Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in North Carolina Best and cheapest companies for home and auto bundles in North Carolina Nationwide has the biggest auto and home bundling discount in North Carolina at an average of 34%, while State Farm has the cheapest overall bundled rate at an average of $1,823 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell 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. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: April 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in North Carolina to determine which will give you the biggest price break when you purchase multiple types of coverage.Nationwide offers the biggest percentage break on your home and auto premiums in North Carolina when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 34%. Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in North Carolina. On average, you will pay $1,823 when you bundle. 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 bundlingInsure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 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 48 companies and 4,686 ZIP codes in our analysis.Our recommendation for the best home and auto bundles in North CarolinaInsure.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.NationwideThe 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 FarmThe average bundle discount at State Farm is $531, or 23%. Without a bundle discount, customers pay $2,354 for coverage. After the bundle discount, customers pay $1,823 on average. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.Erie InsuranceThe average bundle discount at Erie Insurance is $987, or 19%. Without the bundle discount, the average cost of coverage is $5,193. After the bundle discount, that cost goes down to $4,206. Erie Insurance ranked at No. 1 in our Best Auto Insurance Companies ranking and No. 1 in the Best Home Insurance Companies ranking.Compare home and auto bundles in North CarolinaBundling 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingNationwide$2,931 4286.6A34%73.74State Farm$1,823 4787.4A++23%69.2Erie Insurance$4,206 7393.2A+19%57.84What 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.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$980$1,374$2,354$1,823Nationwide$3,133$1,274$4,407$2,931Erie Insurance$4,055$1,138$5,193$4,206Most and least expensive ZIP codes for home and auto insurance bundles in North CarolinaYour ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in North Carolina.Most expensive ZIP codesThe 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 codeAverage auto and home after discountAverage difference28511$20,01826%27948$14,03525%28547$8,90228%28546$8,86928%28540$8,86828%28462$8,55130%28314$3,39826%28310$3,39126%28304$3,38826%28303$3,37326%Least expensive ZIP codesThe 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 codeAverage auto and home after discountAverage difference28704$1,96123%28752$2,10223%28623$2,12023%27409$2,14624%27455$2,14824%27410$2,14924%27408$2,15724%27012$2,15824%27103$2,15824%27009$2,16924% 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. MethodologyInsure.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. You might find interesting The best, cheapest car insurance in North CarolinaNorth Carolina car insurance calculatorNon-owner auto insurance in North Carolina: Which company has the cheapest rates? How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in North CarolinaCompare home and auto bundles in North CarolinaWhat company offers the cheapest home and auto bundles in North Carolina?Most and least expensive ZIP codes for home and auto insurance bundles in North CarolinaFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330