Best and cheapest companies for home and auto bundles in Michigan

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When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Michigan to identify which ones provide significant savings when combining multiple coverage types.

State Farm provides the highest percentage discount on home and auto insurance premiums in Michigan when you bundle your policies. By choosing this insurer, you can save an average of 21% on your home and auto bundle.

On the other hand, Auto-Owners provides the lowest overall rate for bundling in Michigan. When you bundle your policies, you can expect to pay an average of $3,651.

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

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

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

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

State Farm offers the biggest percentage discount if you bundle. Auto-Owners offers the cheapest rate overall if you bundle.

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

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Michigan.

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 most affordable ZIP code in Michigan for bundling home and auto insurance is 48105, with an average rate of $4,026. Below are the 10 least expensive 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 home and auto bundle insurance

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

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“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?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

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.

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.