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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

In 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre and post bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Michigan

We ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Michigan.

State Farm

State Farm offers an average bundle discount of $1,452, which is a 21% savings on your premiums. Before the discount, the combined home and auto insurance cost is $6,775, and after applying the bundle discount, the total cost drops to $5,323.

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

The average bundle discount at Auto-Owners is $423, or 10%. Without the bundle discount, the average cost of coverage is $4,074. After the bundle discount, that cost goes down to $3,651. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and No. 3 in the Best Home Insurance Companies ranking.

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.

CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall Rating
State Farm$5,323 4787.4A++21%80.25
Farmers Insurance$10,235 4382A20%69.26
Auto-Owners$3,651 4981.2A++10%63.59

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.

CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium 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 most expensive ZIP code in Michigan for bundling home and auto insurance is 48205, with an average cost of $14,495. Here are the 10 most expensive ZIP codes:

ZIP codeAverage auto and home after discountAverage difference
48205$14,49516%
48213$14,22616%
48234$13,67716%
48206$13,47816%
48227$13,41116%
48201$13,39416%
48224$13,26816%
48221$13,18516%
48235$13,16416%
48202$12,94316%

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 codeAverage auto and home after discountAverage difference
48105$4,02616%
48109$4,03816%
49544$4,11817%
48103$4,13916%
48104$4,15816%
49525$4,30416%
49505$4,33816%
49546$4,38216%
48854$4,41817%
49512$4,47716%

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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How much is home and auto bundle insurance in other states

Alabama$2,543/Year
Arizona$2,478/Year
Arkansas$3,119/Year
California$2,866/Year
Colorado$3,605/Year
Delaware$1,952/Year
Florida$3,408/Year
Georgia$3,022/Year
Idaho$1,993/Year
Illinois$2,678/Year
Indiana$2,437/Year
Iowa$2,564/Year
Kansas$3,865/Year
Kentucky$3,465/Year
Louisiana$3,987/Year
Maine$1,385/Year
Maryland$2,935/Year
Minnesota$2,949/Year
Mississippi$3,255/Year
Missouri$3,393/Year
Montana$3,188/Year
Nebraska$4,496/Year
Nevada$2,442/Year
New Hampshire$1,615/Year
New York$3,450/Year
North Carolina$1,823/Year
North Dakota$3,244/Year
Ohio$2,229/Year
Oklahoma$4,641/Year
Oregon$1,701/Year
Pennsylvania$2,589/Year
Rhode Island$1,739/Year
South Carolina$2,766/Year
South Dakota$3,482/Year
Tennessee$2,843/Year
Utah$1,972/Year
Vermont$1,553/Year
Virginia$1,995/Year
Washington$1,762/Year
West Virginia$2,361/Year
Wisconsin$2,083/Year
Wyoming$2,619/Year
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Chris Kissell
Contributing Researcher

 
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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.

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