Best and cheapest companies for home and auto bundles in Michigan

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Michigan insurers to help you find the carriers that offer the most affordable rates after bundling.

In Michigan, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 21%.

Auto-Owners provides the lowest bundled rate in Michigan, with an average cost of $3,651 for combining your home and auto policies.

Key Takeaways

In Michigan, State Farm is the best home and auto bundle insurance provider, offering an average discount of 21%.
Some companies offer bigger savings for bundling than others, so it pays to shop around.
Where you live within the state will impact how much you can save by bundling.
Bundling usually makes sense, but there are situations where this might not be the case.

How we picked the best companies for home and auto bundling

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.

Our recommendation for the best home and auto bundles in Michigan

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in Michigan.

State Farm

The average bundle discount at State Farm is $1,452, or 21%. Before the bundle discount is added, the average cost of home and auto insurance is $6,775. After getting a bundle discount, the cost drops to $5,323. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Farmers Insurance

Farmers Insurance offers an average discount of $2,632 when you bundle your auto and home insurance, which is about 20%. Without the discount, the average cost is $12,867, but with the discount, the price drops to $10,235.

Auto-Owners

Bundling auto and home insurance with Auto-Owners can save an average of $423, or 10%. Without the discount, the coverage costs $4,074, but after the discount, it’s only $3,651.

Compare home and auto bundles in Michigan

The amount you can save on home and auto insurance with a bundle in Michigan varies by company. Here is a breakdown of the rates and savings with top companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$5,323	47	87.4	A++	21%	80.25
Farmers Insurance	$10,235	43	82	A	20%	69.26
Auto-Owners	$3,651	49	81.2	A++	10%	63.59

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What company offers the cheapest home and auto bundles in Michigan?

If you bundle your policies, State Farm gives you the highest discount. Auto-Owners has the lowest overall rate for bundling.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Farmers Insurance	$3,890	$8,977	$12,867	$10,235
Michigan Farm Bureau	$9,932	$4,100	$14,032	$12,021
The Hanover	$4,188	$12,400	$16,588	$13,531
Auto-Owners	$541	$3,533	$4,074	$3,651
Automobile Club MI (AAA)	$1,356	$3,611	$4,967	$4,184
Frankenmuth Insurance	$2,197	$3,798	$5,995	$5,213
State Farm	$2,138	$4,637	$6,775	$5,323

Most and least expensive ZIP codes for home and auto insurance bundles in Michigan

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in Michigan for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 48205 in Michigan has the highest average cost for bundling home and auto insurance, at $14,495. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
48205	$14,495	16%
48213	$14,226	16%
48234	$13,677	16%
48206	$13,478	16%
48227	$13,411	16%
48201	$13,394	16%
48224	$13,268	16%
48221	$13,185	16%
48235	$13,164	16%
48202	$12,943	16%

Least expensive ZIP codes

The least expensive ZIP code in Michigan for bundling home and auto insurance is 48105, with an average cost of $4,026. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
48105	$4,026	16%
48109	$4,038	16%
49544	$4,118	17%
48103	$4,139	16%
48104	$4,158	16%
49525	$4,304	16%
49505	$4,338	16%
49546	$4,382	16%
48854	$4,418	17%
49512	$4,477	16%

Frequently asked questions about bundling home and auto insurance

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

Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

Remember when buying insurance that you’re doing so to protect your most valuable assets, says Christine O’Brien, president of the Insurance Council of New Jersey. Take the time to learn about policy limits and coverages and get several quotes.

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

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate.

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Chris Kissell

Contributing Researcher

Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.