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

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When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in North Carolina to identify which ones provide significant savings when combining multiple coverage types.

Nationwide provides the highest percentage discount on home and auto insurance premiums in North Carolina when you bundle your policies. By choosing this insurer, you can save an average of 34% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in North Carolina. When you bundle your policies, you can expect to pay an average of $1,823.

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 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 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

The average bundle discount at Nationwide is $1,476, or 34%. Before the bundle discount is added, the average cost of home and auto insurance is $4,407. After getting a bundle discount, the cost drops to $2,931. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

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

Bundling your home and auto insurance in North Carolina 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
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?

Nationwide offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.

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 ZIP code 28511 in North Carolina has the highest average cost for bundling home and auto insurance, at $20,018. See the top 10 most expensive ZIP codes below.

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 home and auto insurance bundling is 28704 at an average rate of $1,961. See the 10 least expensive ZIP codes below.

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.