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

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Bundling your home and auto insurance in North Carolina can help lower your overall costs, but the best option depends on whether you’re focused on getting the biggest discount or the lowest final premium. On average, Nationwide delivers the highest percentage savings, while State Farm offers the most affordable bundled rates.

Because insurers price bundles differently, it’s important to compare multiple companies. The right fit 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 allows you to purchase home and auto insurance from the same company and receive a discount on your policies.
Nationwide has the highest bundle discount in North Carolina, averaging 43%
The largest discount doesn’t always lead to the lowest total premium
Your ZIP code within North Carolina can significantly impact your savings
Bundling is often more convenient and can save money, but it’s not always the cheapest option

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%. Customers who bundle home and auto with Nationwide receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $7,236.

Erie Insurance

The average bundle discount at Erie Insurance is $1,295, or 18%. Bundling with Erie Insurance also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage is $7,174.

People also ask:

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

State Farm typically provides the most affordable home and auto bundle in North Carolina, with average premiums around $2,138.

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

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

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

Home and auto bundle rates in North Carolina 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 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 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 North Carolina?

Choose State Farm if your priority is the lowest overall premium for a home and auto bundle in North Carolina. If your goal is to unlock the highest discount percentage, Nationwide is the stronger option.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied. The best choice depends on whether you prioritize the lowest final price or the largest discount.

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

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually 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, check three things: the liability limits, the 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 a better deal – it’s a more expensive one the moment you need to use it.

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

The most expensive ZIP code for bundled home and auto insurance in North Carolina is 28462, with average rates of $9,125, while the least expensive is 28623, where premiums drop to $3,611. 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 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 such as weather patterns, crime rates and rebuilding costs can create major price differences even within the same city. Two homes located less than a mile apart but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is standard, check whether your ZIP code is driving it up – and if you’re planning a move, get insurance quotes for your new address before committing.

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 help reduce costs and make policy management easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and separate quotes. Coverage can also vary, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in North Carolina?

Switching to a bundle is straightforward and often happens when one policy comes up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your current one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, check the total cost, coverage details, and the insurer’s reputation. It’s important to choose a licensed company with dependable claims handling, since the lowest price may not always offer the best protection (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

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

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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.