Best and cheapest companies for home and auto bundles in North Carolina

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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 North Carolina insurers to help you find the carriers that offer the most affordable rates after bundling.

In North Carolina, Nationwide offers the highest percentage of savings on home and auto bundles. Bundling your policies with Nationwide can help you save an average of 34%.

State Farm provides the lowest bundled rate in North Carolina, with an average cost of $1,823 for combining your home and auto policies.

Key Takeaways

In North Carolina, Nationwide is the top choice for bundling home and auto insurance. It offers an average savings of 34%.
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 North Carolina

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 North Carolina.

Nationwide

Nationwide offers a 34% bundle discount, which amounts to an average savings of $1,476. The combined cost of home and auto insurance before the discount is $4,407, and after the discount, it drops to $2,931.

State Farm

State Farm offers an average bundle discount of $531, or 23%. Before the bundle discount, you’ll pay an average of $2,354, which will decrease to $1,823 after the discount is applied.

Erie Insurance

Erie Insurance offers an average discount of $987 when you bundle your auto and home insurance, which is about 19%. Without the discount, the average cost is $5,193, but with the discount, it drops to $4,206.

Compare home and auto bundles in North Carolina

The amount you can save on home and auto insurance with a bundle in North Carolina 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
Nationwide	$2,931	42	86.6	A	34%	73.74
State Farm	$1,823	47	87.4	A++	23%	69.2
Erie Insurance	$4,206	73	93.2	A+	19%	57.84

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What company offers the cheapest home and auto bundles in North Carolina?

If you bundle your policies, Nationwide 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	$980	$1,374	$2,354	$1,823
Nationwide	$3,133	$1,274	$4,407	$2,931
Erie Insurance	$4,055	$1,138	$5,193	$4,206

Most and least expensive ZIP codes for home and auto insurance bundles in North Carolina

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 North Carolina for policyholders who bundle their coverage:

Most expensive ZIP codes

The most expensive ZIP code in North Carolina for bundling home and auto insurance is 28511, with an average cost of $20,018. Here are the 10 most expensive ZIP codes:

ZIP code	Average auto and home after discount	Average difference
28511	$20,018	26%
27948	$14,035	25%
28547	$8,902	28%
28546	$8,869	28%
28540	$8,868	28%
28462	$8,551	30%
28314	$3,398	26%
28310	$3,391	26%
28304	$3,388	26%
28303	$3,373	26%

Least expensive ZIP codes

The least expensive ZIP code in North Carolina for bundling home and auto insurance is 28704, with an average cost of $1,961. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
28704	$1,961	23%
28752	$2,102	23%
28623	$2,120	23%
27409	$2,146	24%
27455	$2,148	24%
27410	$2,149	24%
27408	$2,157	24%
27012	$2,158	24%
27103	$2,158	24%
27009	$2,169	24%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in North Carolina?

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 North Carolina?

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.

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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.