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

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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 New Hampshire insurers to help you find the carriers that offer the most affordable rates after bundling.

In New Hampshire, 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 24%.

State Farm provides the lowest bundled rate in New Hampshire, with an average cost of $1,615 for combining your home and auto policies.

Key Takeaways

In New Hampshire, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 24%.
Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.
Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.
Bundling is usually a smart move, but sometimes it might not be the best option.

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 New Hampshire

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 New Hampshire.

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

The average bundle discount at Nationwide is $473, or 19%. Without a bundle discount, customers pay $2,445 for coverage. After the bundle discount, customers pay $1,972 on average. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

Allstate

Bundling auto and home insurance with Allstate can save an average of $695, or 22%. Without the discount, the coverage costs $3,200, but after the discount, it’s only $2,505.

Auto-Owners

The average bundle discount at Auto-Owners is $354, or 14%. Before the discount is added, the average cost of home and auto insurance is $2,443. After adding the bundle discount, the average cost is $2,089. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and at No. 3 in the Best Home Insurance Companies ranking.

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

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

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 New Hampshire for policyholders who bundle their coverage:

Most expensive ZIP codes

The most expensive ZIP code in New Hampshire for home and auto insurance bundling is 3102 at an average rate of $2,309. See the 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.

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

Michigan$3,651/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 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

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in New Hampshire
Compare home and auto bundles in New Hampshire
What company offers the cheapest home and auto bundles in New Hampshire?
Most and least expensive ZIP codes for home and auto insurance bundles in New Hampshire
Frequently asked questions about home and auto bundle insurance
Methodology