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

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Bundling your home and auto insurance in New Hampshire can help lower your overall costs, but the best option depends on whether you’re focused on getting the biggest discount or the lowest final premium. On average, Nationwide delivers the highest percentage savings, while Auto-Owners offers the most affordable bundled rates.

Because insurers price bundles differently, it’s important to compare multiple companies. The right fit depends on your home value, driving profile and where you live within New Hampshire.

What you need to know about bundling in New Hampshire

Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.
Nationwide offers the biggest bundle discount in New Hampshire, saving an average of 22%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within New Hampshire plays a major role in how much you’ll actually save
Bundling is often cheaper and more convenient, but it’s not always the best deal

Which companies offer the best home and auto bundles in New Hampshire? Here’s our pick

Auto-Owners, State Farm and Nationwide are among the best home and auto bundle companies in New Hampshire, offering strong discounts, competitive bundled rates and high rankings for both auto and home insurance. The right choice for you will depend on whether you prioritize the biggest discount or the lowest final premium.

We ranked companies based on the average bundle discount they offer in both dollar and percentage terms, along with their performance in auto and home insurance rankings. Based on those criteria, these are the best companies for bundling in New Hampshire:

Auto-Owners

The average bundle discount at Auto-Owners is $365, or 14%. Most Auto-Owners policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $2,650.

State Farm

The average bundle discount at State Farm is $648, or 20%. For policyholders who carry both home and auto with State Farm, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $3,282 for coverage.

Nationwide

The average bundle discount at Nationwide is $741, or 22%. Bundling with Nationwide also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage is $3,368.

MMG Insurance

The average bundle discount at MMG Insurance is $519, or 15%. The average combined rate before the discount is $3,398.

Allstate

The average bundle discount at Allstate is $895, or 21%. The average combined rate before the discount is $4,283.

People also ask:

Who has the cheapest home and auto bundle in New Hampshire?

In New Hampshire, Auto-Owners offers the cheapest rates for home and auto bundle, with an average premium of $2,285.

How much can you save by bundling home and auto insurance in New Hampshire?

On average, bundling home and auto insurance can save you about 17%, though your exact savings will depend on your coverage, location, and eligibility for discounts.

How do home and auto bundle rates compare in New Hampshire?

Home and auto bundle rates in New Hampshire can vary widely by insurer. Some companies offer lower starting premiums, while others provide larger discounts, and the difference between providers can be significant. Comparing both the final cost and the discount is essential to finding the best deal.

Here’s how rates and savings compare across top insurers in New Hampshire:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Auto-Owners	A+	A+	$1,300	$1,350	0.44	0.39	$2,285	4.90
State Farm	A+	A+	$2,060	$1,222	0.87	1.15	$2,634	3.98
Nationwide	A	A	$1,539	$1,829	0.64	1.34	$2,627	3.87
MMG Insurance	A	A	$1,476	$1,922	1.93	0.84	$2,879	3.40
Allstate	A+	A+	$3,034	$1,249	1.20	1.26	$3,388	2.87

Bundle savings can vary more than you expect

Two companies can offer similar discounts but very different final premiums depending on their base rates. Always request the combined annual total for both policies after discounts – not just the discount percentage – before deciding where to bundle. The insurer with the loudest bundle offer isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in New Hampshire?

Choose Auto-Owners if your priority is the lowest overall premium for a home and auto bundle in New Hampshire. If your goal is to unlock the highest discount percentage, Nationwide is the stronger option.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied. The best choice depends on whether you prioritize the lowest final price or the largest discount.

Here’s how the cheapest bundle options compare in New Hampshire:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Auto-Owners	$1,350	$1,300	$2,650	$2,285
Nationwide	$1,829	$1,539	$3,368	$2,627
State Farm	$1,222	$2,060	$3,282	$2,634
MMG Insurance	$1,922	$1,476	$3,398	$2,879
Allstate	$1,249	$3,034	$4,283	$3,388

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price, check three things: the liability limits, the deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t a better deal – it’s a more expensive one the moment you need to use it.

Which ZIP codes are most and least expensive in New Hampshire?

The most expensive ZIP code for home and auto bundles in New Hampshire is 3101, with average rates of $3,033, while the cheapest is 3431, where average premiums drop to $2,540. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten most expensive ZIP codes

The most expensive ZIP code in New Hampshire for home and auto insurance bundling is 3101 at an average rate of $3,033.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
3101	$3,033	$531	15%
3104	$3,027	$531	15%
3102	$3,002	$525	15%
3103	$2,998	$524	15%
3109	$2,991	$522	15%
3060	$2,803	$496	15%
3042	$2,771	$485	15%
3062	$2,761	$489	15%
3064	$2,758	$490	15%
3801	$2,748	$482	15%

Top ten cheapest ZIP codes

The least expensive ZIP code in New Hampshire for home and auto insurance bundling is 3431 at an average rate of $2,540.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
3431	$2,540	$446	15%
3435	$2,553	$450	15%
3755	$2,606	$458	15%
3445	$2,628	$462	15%
3766	$2,629	$458	15%
3756	$2,631	$459	15%
3458	$2,637	$466	15%
3743	$2,645	$460	15%
3774	$2,649	$462	15%
3785	$2,652	$460	15%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in New Hampshire by city

See rates in your city

Nashua

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 5 companies and 37 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in New Hampshire can help reduce costs and make policy management easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and separate quotes. Coverage can also vary, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in New Hampshire?

Switching to a bundle is straightforward and often happens when one policy comes up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your current one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, check the total cost, coverage details, and the insurer’s reputation. It’s important to choose a licensed company with dependable claims handling, since the lowest price may not always offer the best protection (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. September 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in New Hampshire? Here's our pick
How do home and auto bundle rates compare in New Hampshire?
What is the cheapest home and auto bundles in New Hampshire?
Which ZIP codes are most and least expensive in New Hampshire?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

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