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

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Bundling home and auto insurance in New York can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, NYCM Insurance provides the highest percentage savings, while State Farm offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within New York.

What you need to know about bundling in New York

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
NYCM Insurance offers the largest bundle discount in New York, saving about 25%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within New York can significantly affect how much you save.
Bundling is often cheaper and more convenient, but it’s not always the best overall value.

Which companies offer the best home and auto bundles in New York? Here’s our pick

NYCM Insurance, State Farm and Travelers rank among the best home and auto bundle companies in New York, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in New York:

NYCM Insurance

The average bundle discount at NYCM Insurance is $1,703, or 25%. Most NYCM Insurance policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $6,933.

State Farm

The average bundle discount at State Farm is $1,076, or 18%. For State Farm customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $5,908.

Travelers

The average bundle discount at Travelers is $819, or 11%. Policyholders who bundle with Travelers manage both policies together, with one renewal date and a single team handling any claims. Without the bundle discount, the average rate for home and auto is $7,288.

Chubb

The average bundle discount at Chubb is $814, or 9%. Before the discount, the average cost of home and auto insurance is $8,606.

Allstate

The average bundle discount at Allstate is $1,291, or 17%. Without the bundle discount, the average rate for home and auto is $7,749.

People also ask:

Who has the cheapest home and auto bundle in New York?

State Farm has the cheapest home and auto bundle in New York, with an average premium of $4,832.

How much can you save by bundling home and auto insurance in New York?

Bundling home and auto insurance can save you around 17% on average, depending on the insurer. Actual savings may vary based on your policies, location, and eligibility for discounts.

How do home and auto bundle rates compare in New York?

Home and auto bundle rates in New York can vary widely by insurer. Some companies offer lower starting premiums, while others provide larger discounts, and the difference between providers can be significant. Comparing both the final cost and the discount is essential to finding the best deal.

Here’s how rates and savings compare across top insurers in New York:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
NYCM Insurance	A	A	$5,699	$1,234	0.13	0.17	$5,230	4.57
State Farm	A+	A+	$4,411	$1,497	0.87	1.15	$4,832	4.20
Travelers	A++	A++	$5,574	$1,714	0.63	0.91	$6,469	3.71
Chubb	A++	A++	$6,608	$1,998	0.42	0.07	$7,792	3.48
Allstate	A+	A+	$5,593	$2,156	1.20	1.26	$6,458	3.26

Bundle savings can vary more than you expect

Two insurers may offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in New York?

State Farm is the most affordable option for home and auto bundles in New York, based on total premium. On the other hand, NYCM Insurance is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

Here’s how the cheapest bundle options compare in New York:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,497	$4,411	$5,908	$4,832
NYCM Insurance	$1,234	$5,699	$6,933	$5,230
Allstate	$2,156	$5,593	$7,749	$6,458
Travelers	$1,714	$5,574	$7,288	$6,469
Chubb	$1,998	$6,608	$8,606	$7,792

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or exclusions that leave you exposed when you need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key factors: liability limits, deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t actually a better deal – it becomes more expensive the moment you need to use it.

Which ZIP codes are most and least expensive in New York?

The most expensive ZIP code for bundled home and auto insurance in New York is 11212, with average rates of $10,862, while the least expensive is 14615, where premiums drop to $2,919. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing both base premiums and available discounts.

Top ten 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 $10,862.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
11212	$10,862	$2,027	16%
11233	$10,845	$2,024	16%
11210	$10,839	$2,029	16%
11207	$10,829	$2,017	16%
11236	$10,820	$2,020	16%
11225	$10,803	$2,020	16%
11226	$10,803	$2,027	16%
11216	$10,751	$2,017	16%
11221	$10,751	$2,018	16%
11234	$10,745	$1,994	16%

Top ten cheapest ZIP codes

The least expensive ZIP code in New York for home and auto insurance bundling is 14615 at an average rate of $2,919.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
14615	$2,919	$547	16%
14625	$2,951	$558	16%
14618	$2,976	$564	16%
14623	$2,981	$563	16%
14612	$2,983	$560	16%
14616	$2,985	$562	16%
14626	$2,999	$569	16%
14624	$3,002	$568	16%
12910	$3,089	$587	16%
14845	$3,110	$593	16%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in New York by city

See rates in your city

New York

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 5 companies and 225 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in New York can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.

Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.

“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?

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, compare total costs, coverage details, and the insurer’s reputation. Make sure the company is licensed and offers reliable claims support, as the cheapest option may not provide the best overall value (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in New York? Here's our pick
How do home and auto bundle rates compare in New York?
What is the cheapest home and auto bundles in New York?
Which ZIP codes are most and least expensive in New York?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

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