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

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Bundling home and auto insurance in North Carolina 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, Nationwide 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 North Carolina.

What you need to know about bundling in North Carolina

Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.
Nationwide offers the biggest bundle discount in North Carolina, saving an average of 43%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within North Carolina plays a major role in how much you’ll actually save
Bundling is often cheaper and more convenient, but it’s not always the best deal

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

State Farm, Nationwide and Erie Insurance rank among the best home and auto bundle companies in North Carolina, 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 North Carolina:

State Farm

The average bundle discount at State Farm is $681, or 24%. Most State Farm 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 $2,819.

Nationwide

The average bundle discount at Nationwide is $3,094, or 43%. For policyholders who carry both home and auto with Nationwide, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $7,236 for coverage.

Erie Insurance

The average bundle discount at Erie Insurance is $1,295, or 18%. Policyholders who bundle with Erie Insurance 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 $7,174.

People also ask:

Who has the cheapest home and auto bundle in North Carolina?

In North Carolina, State Farm offers the cheapest rates for home and auto bundle, with an average premium of $2,138.

How much can you save by bundling home and auto insurance in North Carolina?

On average, bundling home and auto insurance can save you about 17%, though your exact savings will depend on your coverage, location, and eligibility for discounts.

How do home and auto bundle rates compare in North Carolina?

Home and auto bundle rates in North Carolina vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

Here’s how rates and savings compare across top insurers in North Carolina:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A+	$1,626	$1,193	0.87	1.15	$2,138	4.12
Nationwide	A	A	$2,487	$4,749	0.64	1.34	$4,142	3.61
Erie Insurance	A	A	$1,210	$5,964	0.77	0.46	$5,879	3.14

Bundle savings can vary more than you expect

Two companies can offer similar discounts but very different final premiums depending on their base rates. Always request the combined annual total for both policies after discounts – not just the discount percentage – before deciding where to bundle. The insurer with the loudest bundle offer isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in North Carolina?

State Farm is the most affordable option for home and auto bundles in North Carolina, based on total premium. On the other hand, Nationwide 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 North Carolina:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,193	$1,626	$2,819	$2,138
Nationwide	$4,749	$2,487	$7,236	$4,142
Erie Insurance	$5,964	$1,210	$7,174	$5,879

Cheapest doesn’t always mean best value

Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you 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 elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk.

Which ZIP codes are most and least expensive in North Carolina?

The most expensive ZIP code for home and auto bundles in North Carolina is 28462, with average rates of $9,125, while the cheapest is 28623, where average premiums drop to $3,611. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten most expensive ZIP codes

The most expensive ZIP code in North Carolina for home and auto insurance bundling is 28462 at an average rate of $9,125.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
28462	$9,125	$3,052	25%
28511	$6,974	$2,649	28%
27948	$6,912	$2,140	24%
28301	$5,666	$1,408	20%
28311	$5,666	$1,410	20%
28314	$5,661	$1,410	20%
28303	$5,660	$1,409	20%
28304	$5,656	$1,406	20%
28305	$5,650	$1,408	20%
28306	$5,650	$1,405	20%

Top ten cheapest ZIP codes

The least expensive ZIP code in North Carolina for home and auto insurance bundling is 28623 at an average rate of $3,611.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
28623	$3,611	$813	18%
28704	$3,634	$813	18%
27009	$3,781	$871	19%
27103	$3,782	$873	19%
28752	$3,857	$868	18%
28606	$3,882	$870	18%
27517	$3,901	$908	19%
27410	$3,938	$897	19%
27408	$3,942	$899	19%
27409	$3,947	$902	19%

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 North Carolina by city

See rates in your city

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 3 companies and 109 ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in North Carolina 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 North Carolina?

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. September 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.