Best and cheapest companies for home and auto bundles in Ohio

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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 Ohio to identify which ones provide significant savings when combining multiple coverage types.

State Farm provides the highest percentage discount on home and auto insurance premiums in Ohio when you bundle your policies. By choosing this insurer, you can save an average of 26% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Ohio. When you bundle your policies, you can expect to pay an average of $2,229.

Key Takeaways

In Ohio, State Farm is the best home and auto bundle insurance provider, offering an average discount of 26%.
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 conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Ohio

We ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Ohio.

State Farm

The average bundle discount at State Farm is $771, or 26%. Before the bundle discount is added, the average cost of home and auto insurance is $3,000. After getting a bundle discount, the cost drops to $2,229. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Nationwide

Nationwide offers an average discount of $522 when you bundle your auto and home insurance, which is about 18%. Without the discount, the average cost is $2,883, but with the discount, the price drops to $2,361.

Allstate

The average bundle discount at Allstate is $707, or 19%. Without the bundle discount, the average cost of coverage is $3,669. After the bundle discount, that cost goes down to $2,962. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

American Family

The average bundle discount at American Family is $428, which is a 16% savings. The cost of home and auto insurance before the discount is $2,724, but it lowers to $2,296 after applying the discount.

Auto-Owners

The average bundle discount at Auto-Owners is $381, or 13%. Before getting a bundle discount, customers see average rates of $2,949 for coverage. With the bundle discount, customers see average rates of $2,568. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and No. 3 in the Best Home Insurance Companies ranking.

Compare home and auto bundles in Ohio

The amount you can save on home and auto insurance with a bundle in Ohio 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
State Farm	$2,229	47	87.4	A++	26%	82.03
Nationwide	$2,361	42	86.6	A	18%	71.9
Allstate	$2,962	39	85	A+	19%	71.53
American Family	$2,296	50	85	A	16%	71.36
Auto-Owners	$2,568	49	81.2	A++	13%	69.82
Farmers Insurance	$3,106	43	82	A	16%	67.5
Erie Insurance	$2,933	73	93.2	A+	4%	66.42
Travelers	$6,069	44	83.6	A++	11%	58.39

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What company offers the cheapest home and auto bundle in Ohio?

State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,905	$1,095	$3,000	$2,229
American Family	$1,584	$1,140	$2,724	$2,296
Nationwide	$1,877	$1,006	$2,883	$2,361
Grange Mutual	$2,003	$861	$2,864	$2,517
Auto-Owners	$1,652	$1,297	$2,949	$2,568
Erie Insurance	$1,875	$1,188	$3,063	$2,933
Allstate	$1,313	$2,356	$3,669	$2,962
Farmers Insurance	$2,172	$1,536	$3,708	$3,106
Travelers	$5,712	$1,070	$6,782	$6,069

Most and least expensive ZIP codes for home and auto insurance bundles in Ohio

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 Ohio for policyholders who bundle their coverage:

Most expensive ZIP codes

The most expensive ZIP code in Ohio for home and auto insurance bundling is 43601 at an average rate of $3,812. See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
43601	$3,812	14%
45423	$3,682	14%
45234	$3,651	14%
45221	$3,644	14%
45479	$3,620	14%
45235	$3,607	14%
45435	$3,591	14%
44101	$3,560	15%
45267	$3,552	14%
45629	$3,381	16%

Least expensive ZIP codes

The most affordable ZIP code in Ohio for bundling home and auto insurance is 44663, with an average rate of $2,564. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
44663	$2,564	15%
43016	$2,672	15%
44883	$2,696	15%
44870	$2,696	15%
43017	$2,696	15%
44035	$2,699	15%
43065	$2,706	15%
43082	$2,714	15%
43081	$2,722	15%
45245	$2,747	15%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in Ohio?

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 Ohio?

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.