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

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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 York 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 York when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 19%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in New York. On average, you will pay $3,450 when you bundle.

Key Takeaways

In New York, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 19%.
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 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 York

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 York.

State Farm

The average bundle discount at State Farm is $794, or 19%. Before the bundle discount is added, the average cost of home and auto insurance is $4,244. After getting a bundle discount, the cost drops to $3,450. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Allstate

The average bundle discount at Allstate is $982, or 18%. Without a bundle discount, customers pay $5,611 for coverage. After the bundle discount, customers pay $4,629 on average. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Travelers

Bundling auto and home insurance with Travelers can save an average of $715, or 12%. Without the discount, the coverage costs $6,102, but after the discount, it’s only $5,387.

Compare home and auto bundles in New York

The amount you can save on home and auto insurance with a bundle in New York 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	$3,450	47	87.4	A++	19%	77.03
Allstate	$4,629	39	85	A+	18%	69.38
Travelers	$5,387	44	83.6	A++	12%	61.36

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

If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,309	$2,935	$4,244	$3,450
NYCM Insurance	$1,437	$3,927	$5,364	$4,121
Allstate	$1,904	$3,707	$5,611	$4,629
Travelers	$2,094	$4,008	$6,102	$5,387
Chubb Ltd	$2,398	$5,349	$7,747	$7,013

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

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 York.

Most expensive ZIP codes

The most expensive ZIP code in New York for bundling home and auto insurance is 11212, with an average cost of $7,366. Here are the 10 most expensive ZIP codes:

ZIP code	Average auto and home after discount	Average difference
11212	$7,366	16%
11207	$7,363	16%
11213	$7,342	16%
11233	$7,340	16%
11225	$7,294	16%
11221	$7,251	16%
11216	$7,238	16%
11239	$7,208	16%
11235	$7,207	16%
11234	$7,206	16%

Least expensive ZIP codes

The most affordable ZIP code in New York for bundling home and auto insurance is 14845, with an average rate of $2,430. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
14845	$2,430	16%
14625	$2,458	16%
14623	$2,459	16%
14618	$2,467	16%
14612	$2,487	16%
14624	$2,493	16%
14616	$2,493	16%
14615	$2,500	16%
14626	$2,516	16%
13904	$2,532	16%

Frequently asked questions about bundling home and auto insurance

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

Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

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 York?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

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.