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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 offers the biggest average discount of 21% on home and auto insurance bundles.
  • Different companies offer varying discounts for bundling, so it’s worth shopping around.
  • Where you live in the state can affect how much you save by bundling.
  • Bundling is generally a good idea, but in a few situations, it might not save you money.

How we picked the best companies for home and auto bundling

In 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 Michigan

We 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 Farm

State Farm offers a 21% bundle discount, which amounts to an average savings of $1,452. The combined cost of home and auto insurance before the discount is $6,775, and after the discount, it drops to $5,323.

Farmers Insurance

The average bundle discount at Farmers Insurance is $2,632, or 20%. Without a bundle discount, customers pay $12,867 for coverage. After the bundle discount, customers pay $10,235 on average. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and No. 8 in the Best Home Insurance Companies ranking.

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?

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

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
Washington, D.C.$2,506/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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