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

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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 New Hampshire 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 New Hampshire when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 24%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in New Hampshire. On average, you will pay $1,615 when you bundle.

Key Takeaways

In New Hampshire, State Farm is the best home and auto bundle insurance provider, offering an average discount of 24%.
Some companies offer bigger savings for bundling than others, so it pays to shop around.
Where you live within the state will impact how much you can save by bundling.
Bundling usually makes sense, but there are situations where this might not be the case.

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 New Hampshire

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best 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

Auto-Owners offers an average bundle discount of $354, which is about 14%. Without the discount, the combined cost of home and auto insurance is $2,443. After applying the discount, the total cost drops to $2,089.

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.

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 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 least expensive ZIP code in New Hampshire for bundling home and auto insurance is 3755, with an average cost of $2,020. Here are the 10 cheapest 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 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.

You might find interesting

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

Chris Kissell

Contributing Researcher

Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.

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 bundling home and auto insurance
Methodology