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

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from New York insurers to help you find the carriers that offer the most affordable rates after bundling.

In New York, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 19%.

State Farm provides the lowest bundled rate in New York, with an average cost of $3,450 for combining your home and auto policies.

Key Takeaways

In New York, State Farm offers the biggest average discount of 19% 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 York

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 York.

State Farm

State Farm offers an average bundle discount of $794, which is a 19% savings on your premiums. Before the discount, the combined home and auto insurance cost is $4,244, and after applying the bundle discount, the total cost drops to $3,450.

Allstate

Allstate offers an average bundle discount of $982, or 18%. Before the bundle discount, you’ll pay an average of $5,611, which will decrease to $4,629 after the discount is applied.

Travelers

Travelers offers an average discount of $715 when you bundle your auto and home insurance, which is about 12%. Without the discount, the average cost is $6,102, but with the discount, it drops to $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 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

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 bundling home and auto insurance is 14845, with an average cost of $2,430. Here are the 10 cheapest 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 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.