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 best home and auto bundle insurance provider, offering an average discount of 19%.
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

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.

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

Allstate offers an average discount of $982 when you bundle your auto and home insurance, which is about 18%. Without the discount, the average cost is $5,611, but with the discount, the price drops to $4,629.

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

Bundling your home and auto insurance in New York 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	$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 bundle in New York?

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

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

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 York for policyholders who bundle their coverage:

Most expensive ZIP codes

The most expensive ZIP code in New York for home and auto insurance bundling is 11212 at an average rate of $7,366. See the 10 most expensive ZIP codes below.

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 least expensive ZIP code in New York for home and auto insurance bundling is 14845 at an average rate of $2,430. See the 10 least expensive ZIP codes below.

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 home and auto bundle insurance

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

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 York?

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.