Best and cheapest companies for home and auto bundles in Ohio

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Ohio insurers to help you find the carriers that offer the most affordable rates after bundling.

In Ohio, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 26%.

State Farm provides the lowest bundled rate in Ohio, with an average cost of $2,229 for combining your home and auto policies.

Key Takeaways

In Ohio, State Farm offers the biggest average discount of 26% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

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 Ohio

Insure.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 Ohio.

State Farm

State Farm offers a 26% bundle discount, which amounts to an average savings of $771. The combined cost of home and auto insurance before the discount is $3,000, and after the discount, it drops to $2,229.

Nationwide

Nationwide offers an average bundle discount of $522, or 18%. Before the bundle discount, you’ll pay an average of $2,883, which will decrease to $2,361 after the discount is applied.

Allstate

Bundling auto and home insurance with Allstate can save an average of $707, or 19%. Without the discount, the coverage costs $3,669, but after the discount, it’s only $2,962.

American Family

American Family offers an average bundle discount of $428, which is about 16%. Without the discount, the combined cost of home and auto insurance is $2,724. After applying the discount, the total cost drops to $2,296.

Auto-Owners

Auto-Owners offers an average bundle discount of $381, or 13%. The average rate for coverage before the discount is $2,949, and with the discount, it’s reduced to $2,568.

Compare home and auto bundles in Ohio

Bundling your home and auto insurance in Ohio 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.

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

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

Your 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 Ohio.

Most expensive ZIP codes

The most expensive ZIP code in Ohio for bundling home and auto insurance is 43601, with an average cost of $3,812. Here are the 10 most expensive ZIP codes:

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 policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

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?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

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.

You might find interesting

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

Arkansas$3,119/Year

California$2,866/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Idaho$1,993/Year

Illinois$2,678/Year

Indiana$2,437/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Mississippi$3,255/Year

Missouri$3,393/Year

Montana$3,188/Year

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Carolina$2,766/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Utah$1,972/Year

Vermont$1,553/Year

Virginia$1,995/Year

Washington$1,762/Year

Washington, D.C.$2,506/Year

West Virginia$2,361/Year

Wisconsin$2,083/Year

Wyoming$2,619/Year

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.

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in Ohio
Compare home and auto bundles in Ohio
What company offers the cheapest home and auto bundle in Ohio?
Most and least expensive ZIP codes for home and auto insurance bundles in Ohio
Frequently asked questions about bundling home and auto insurance
Methodology