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 best home and auto bundle insurance provider, offering an average discount of 34%.
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

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

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in North Carolina for home and auto bundling.

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 discount of $531 when you bundle your auto and home insurance, which is about 23%. Without the discount, the average cost is $2,354, but with the discount, the price drops to $1,823.

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

The ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in North Carolina for bundling insurance.

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 most affordable ZIP code in North Carolina for bundling home and auto insurance is 28704, with an average rate of $1,961. Below are the 10 least expensive 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 home and auto bundle insurance

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

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 North Carolina?

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.