Best and cheapest companies for home and auto bundles in New Hampshire

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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 New Hampshire 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 New Hampshire when you bundle your policies. By choosing this insurer, you can save an average of 24% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in New Hampshire. When you bundle your policies, you can expect to pay an average of $1,615.

Key Takeaways

In New Hampshire, State Farm offers the biggest average discount of 24% 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

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 New Hampshire

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 New Hampshire for home and auto bundling.

State Farm

State Farm offers an average bundle discount of $524, which is a 24% savings on your premiums. Before the discount, the combined home and auto insurance cost is $2,139, and after applying the bundle discount, the total cost drops to $1,615.

Nationwide

Nationwide offers an average bundle discount of $473, or 19%. Before the bundle discount, you’ll pay an average of $2,445, which will decrease to $1,972 after the discount is applied.

Allstate

Allstate offers an average discount of $695 when you bundle your auto and home insurance, which is about 22%. Without the discount, the average cost is $3,200, but with the discount, it drops to $2,505.

Auto-Owners

The average bundle discount at Auto-Owners is $354, which is a 14% savings. The cost of home and auto insurance before the discount is $2,443, but it lowers to $2,089 after applying the discount.

Compare home and auto bundles in New Hampshire

Bundling your home and auto insurance in New Hampshire can help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$1,615	47	87.4	A++	24%	82.03
Nationwide	$1,972	42	86.6	A	19%	65.66
Allstate	$2,505	39	85	A+	22%	65.1
Auto-Owners	$2,089	49	81.2	A++	14%	58

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What company offers the cheapest home and auto bundles in New Hampshire?

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

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,154	$985	$2,139	$1,615
Nationwide	$1,428	$1,017	$2,445	$1,972
Auto-Owners	$1,060	$1,383	$2,443	$2,089
MMG Insurance	$1,907	$1,009	$2,916	$2,442
Allstate	$1,049	$2,151	$3,200	$2,505

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

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 New Hampshire.

Most expensive ZIP codes

The ZIP code 3102 in New Hampshire has the highest average cost for bundling home and auto insurance, at $2,309. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
3102	$2,309	19%
3104	$2,308	19%
3101	$2,303	19%
3103	$2,272	19%
3109	$2,260	19%
3060	$2,202	19%
3064	$2,183	19%
3062	$2,183	19%
3801	$2,181	19%
3042	$2,158	19%

Least expensive ZIP codes

The most affordable ZIP code in New Hampshire for bundling home and auto insurance is 3755, with an average rate of $2,020. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
3755	$2,020	19%
3766	$2,023	19%
3431	$2,024	19%
3756	$2,034	19%
3458	$2,043	19%
3743	$2,051	19%
3260	$2,053	19%
3774	$2,061	19%
3435	$2,063	19%
3235	$2,069	19%

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in New Hampshire?

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 New Hampshire?

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.

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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.