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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

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

The average bundle discount at State Farm is $524, or 24%. Before the bundle discount is added, the average cost of home and auto insurance is $2,139. After getting a bundle discount, the cost drops to $1,615. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

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

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

The amount you can save on home and auto insurance with a bundle in New Hampshire 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$1,615 4787.4A++24%82.03
Nationwide$1,972 4286.6A19%65.66
Allstate$2,505 3985A+22%65.1
Auto-Owners$2,089 4981.2A++14%58

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

State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when you bundle.

CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium 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

The 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 New Hampshire for bundling insurance.

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 codeAverage auto and home after discountAverage difference
3102$2,30919%
3104$2,30819%
3101$2,30319%
3103$2,27219%
3109$2,26019%
3060$2,20219%
3064$2,18319%
3062$2,18319%
3801$2,18119%
3042$2,15819%

Least expensive ZIP codes

The least expensive ZIP code in New Hampshire for home and auto insurance bundling is 3755 at an average rate of $2,020. See the 10 least expensive ZIP codes below.

ZIP codeAverage auto and home after discountAverage difference
3755$2,02019%
3766$2,02319%
3431$2,02419%
3756$2,03419%
3458$2,04319%
3743$2,05119%
3260$2,05319%
3774$2,06119%
3435$2,06319%
3235$2,06919%

Frequently asked questions about bundling home and auto insurance

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

Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.

However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.

It’s also possible that a company has the right coverage for one type of insurance but not for the other.

Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.

“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 bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.

However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.

But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered.

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.

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
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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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