Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Michigan Best and cheapest companies for home and auto bundles in Michigan State Farm has the biggest auto and home bundling discount in Michigan at an average of 21%, while Auto-Owners has the cheapest overall bundled rate at an average of $3,651 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. | Updated on: December 26, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Michigan to determine which will give you the biggest price break when you purchase multiple types of coverage.State Farm offers the biggest percentage break on your home and auto premiums in Michigan when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 21%. Meanwhile, Auto-Owners offers the cheapest overall rate when you bundle with the company in Michigan. On average, you will pay $3,651 when you bundle. 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 bundlingIn 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre- and post-bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.Our recommendation for the best home and auto bundles in MichiganWe assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Michigan for home and auto bundling.State FarmThe 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 InsuranceFarmers Insurance offers an average bundle discount of $2,632, or 20%. Before the bundle discount, you’ll pay an average of $12,867, which will decrease to $10,235 after the discount is applied.Auto-OwnersBundling 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 MichiganThe 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 RatingState Farm$5,323 4787.4A++21%80.25Farmers Insurance$10,235 4382A20%69.26Auto-Owners$3,651 4981.2A++10%63.59What company offers the cheapest home and auto bundle in Michigan?State Farm provides the largest discount on premiums for bundled insurance, while Auto-Owners offers the lowest overall rate when you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleFarmers Insurance$3,890$8,977$12,867$10,235Michigan Farm Bureau$9,932$4,100$14,032$12,021The Hanover$4,188$12,400$16,588$13,531Auto-Owners$541$3,533$4,074$3,651Automobile Club MI (AAA)$1,356$3,611$4,967$4,184Frankenmuth Insurance$2,197$3,798$5,995$5,213State Farm$2,138$4,637$6,775$5,323Most and least expensive ZIP codes for home and auto insurance bundles in MichiganThe ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Michigan for bundling insurance.Most expensive ZIP codesThe 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 difference48205$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 codesThe 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 codeAverage auto and home after discountAverage difference48105$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. MethodologyInsure.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. You might find interesting The best, cheapest car insurance in MichiganCheapest car insurance in MichiganMichigan car insurance calculatorNon-owner auto insurance in Michigan: Which company has the cheapest rates?Cheapest SR-22 insurance in Michigan How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing Researcher . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in MichiganCompare home and auto bundles in MichiganWhat company offers the cheapest home and auto bundle in Michigan?Most and least expensive ZIP codes for home and auto insurance bundles in MichiganFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates