Best and cheapest companies for home and auto bundles in Michigan

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Bundling home and auto insurance in Michigan can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, State Farm provides the highest percentage savings, while Auto Club Group – ACG (AAA) offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within Michigan.

What you need to know about bundling in Michigan

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
State Farm offers the largest bundle discount in Michigan, saving about 22%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Michigan can significantly affect how much you save.
Bundling is often cheaper and more convenient, but it’s not always the best overall value.

Which companies offer the best home and auto bundles in Michigan? Here’s our pick

Frankenmuth Insurance, Auto-Owners and Auto Club Group – ACG (AAA) rank among the best home and auto bundle companies in Michigan, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Michigan:

Frankenmuth Insurance

The average bundle discount at Frankenmuth Insurance is $917, or 13%. Most Frankenmuth Insurance policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $7,194.

Auto-Owners

The average bundle discount at Auto-Owners is $726, or 12%. Customers who bundle home and auto with Auto-Owners receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $6,256.

Auto Club Group – ACG (AAA)

The average bundle discount at Auto Club Group – ACG (AAA) is $1,147, or 18%. Policyholders who bundle with Auto Club Group – ACG (AAA) manage both policies together, with one renewal date and a single team handling any claims. Without the bundle discount, the average rate for home and auto is $6,360.

Michigan Farm Bureau

The average bundle discount at Michigan Farm Bureau is $2,000, or 14%. The average combined rate before the discount is $14,100.

State Farm

The average bundle discount at State Farm is $2,547, or 22%. Without the bundle discount, the average rate for home and auto is $11,527.

People also ask:

Who has the cheapest home and auto bundle in Michigan?

Auto Club Group – ACG (AAA) has the cheapest home and auto bundle in Michigan, with an average premium of $5,213.

How much can you save by bundling home and auto insurance in Michigan?

Bundling home and auto insurance can save you around 17% on average, depending on the insurer. Actual savings may vary based on your policies, location, and eligibility for discounts.

How do home and auto bundle rates compare in Michigan?

Home and auto bundle rates in Michigan vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

Here’s how rates and savings compare across top insurers in Michigan:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Frankenmuth Insurance	A	A	$5,260	$1,934	0.18	0.23	$6,277	4.66
Auto-Owners	A+	A+	$3,902	$2,354	0.44	0.39	$5,530	4.61
Auto Club Group – ACG (AAA)	A	A	$4,681	$1,679	0.68	0.89	$5,213	4.17
Michigan Farm Bureau	A-	A-	$4,873	$9,227	0.32	0.30	$12,100	3.66
State Farm	A+	A+	$6,696	$4,831	0.87	1.15	$8,980	3.52
The Hanover	A	A	$14,401	$4,569	0.39	0.81	$15,720	2.99

Bundle savings can vary more than you expect

Two insurers may advertise similar discounts but still produce very different final premiums depending on their starting rates. Always ask for the total combined annual cost of both policies after discounts are applied – not just the discount percentage – before deciding where to bundle. The company with the biggest advertised savings isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Michigan?

Auto Club Group – ACG (AAA) is the most affordable option for home and auto bundles in Michigan, based on total premium. On the other hand, State Farm is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

Here’s how the cheapest bundle options compare in Michigan:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Auto Club Group – ACG (AAA)	$1,679	$4,681	$6,360	$5,213
Auto-Owners	$2,354	$3,902	$6,256	$5,530
Frankenmuth Insurance	$1,934	$5,260	$7,194	$6,277
State Farm	$4,831	$6,696	$11,527	$8,980
Michigan Farm Bureau	$9,227	$4,873	$14,100	$12,100
The Hanover	$4,569	$14,401	$18,970	$15,720

Cheapest doesn’t always mean best value

Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk.

Which ZIP codes are most and least expensive in Michigan?

The most expensive ZIP code for bundled home and auto insurance in Michigan is 48234, with average rates of $14,750, while the least expensive is 48103, where premiums drop to $4,732. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing both base premiums and available discounts.

Top ten most expensive ZIP codes

The most expensive ZIP code in Michigan for home and auto insurance bundling is 48234 at an average rate of $14,750.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
48234	$14,750	$2,682	15%
48205	$14,299	$2,665	16%
48211	$13,467	$2,551	16%
48206	$13,382	$2,497	16%
48210	$13,372	$2,514	16%
48207	$13,082	$2,455	16%
48214	$12,759	$2,394	16%
48213	$12,750	$2,333	15%
48238	$12,734	$2,414	16%
48215	$12,388	$2,321	16%

Top ten cheapest ZIP codes

The least expensive ZIP code in Michigan for home and auto insurance bundling is 48103 at an average rate of $4,732.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
48103	$4,732	$910	16%
48108	$4,905	$942	16%
49544	$4,985	$958	16%
49525	$5,007	$939	16%
49505	$5,024	$931	16%
49548	$5,031	$945	16%
49868	$5,054	$957	16%
48854	$5,083	$960	16%
48105	$5,091	$996	16%
48104	$5,106	$996	16%

Your ZIP code can impact your rate more than your insurer

Location-based risks such as weather patterns, crime rates and rebuilding costs can create major price differences even within the same city. Two homes located less than a mile apart but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is standard, check whether your ZIP code is driving it up – and if you’re planning a move, get insurance quotes for your new address before committing.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Michigan by city

See rates in your city

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. We also reviewed bundle discount percentages based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 6 companies and 91 ZIP codes.

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in Michigan?

Bundling home and auto insurance in Michigan can help reduce costs and simplify policy management, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in Michigan?

Switching to a bundle is straightforward. Many people make the change when one of their policies is up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. May 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in Michigan? Here's our pick
How do home and auto bundle rates compare in Michigan?
What is the cheapest home and auto bundles in Michigan?
Which ZIP codes are most and least expensive in Michigan?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Michigan