Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Ohio Best and cheapest companies for home and auto bundles in Ohio State Farm has the biggest auto and home bundling discount in Ohio at an average of 26%, and also has the cheapest overall bundled rate at an average of $2,229 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. 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 is the top choice for bundling home and auto insurance. It offers an average savings of 26%.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 OhioInsure.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 FarmState 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.NationwideNationwide 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.AllstateThe 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 FamilyThe average bundle discount at American Family is $428, or 16%. Before the discount is added, the average cost of home and auto insurance is $2,724. After adding the bundle discount, the average cost is $2,296. American Family ranked at No. 9 in our Best Auto Insurance Companies ranking and at No. 5 in the Best Home Insurance Companies ranking.Auto-OwnersAuto-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 OhioBundling 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$2,229 4787.4A++26%82.03Nationwide$2,361 4286.6A18%71.9Allstate$2,962 3985A+19%71.53American Family$2,296 5085A16%71.36Auto-Owners$2,568 4981.2A++13%69.82Farmers Insurance$3,106 4382A16%67.5Erie Insurance$2,933 7393.2A+4%66.42Travelers$6,069 4483.6A++11%58.39What company offers the cheapest home and auto bundles in Ohio?If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$1,905$1,095$3,000$2,229American Family$1,584$1,140$2,724$2,296Nationwide$1,877$1,006$2,883$2,361Grange Mutual$2,003$861$2,864$2,517Auto-Owners$1,652$1,297$2,949$2,568Erie Insurance$1,875$1,188$3,063$2,933Allstate$1,313$2,356$3,669$2,962Farmers Insurance$2,172$1,536$3,708$3,106Travelers$5,712$1,070$6,782$6,069Most and least expensive ZIP codes for home and auto insurance bundles in OhioYour 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 codesThe 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 codeAverage auto and home after discountAverage difference43601$3,81214%45423$3,68214%45234$3,65114%45221$3,64414%45479$3,62014%45235$3,60714%45435$3,59114%44101$3,56015%45267$3,55214%45629$3,38116%Least expensive ZIP codesThe least expensive ZIP code in Ohio for bundling home and auto insurance is 44663, with an average cost of $2,564. Here are the 10 cheapest ZIP codes:ZIP codeAverage auto and home after discountAverage difference44663$2,56415%43016$2,67215%44883$2,69615%44870$2,69615%43017$2,69615%44035$2,69915%43065$2,70615%43082$2,71415%43081$2,72215%45245$2,74715% Frequently asked questions about home and auto bundle insurance Is bundling home and auto insurance right for everyone in Ohio? 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 Ohio? 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 OhioCheapest car insurance in OhioOhio car insurance calculatorNon-owner car insurance in Ohio: Which company has the cheapest rates?Cheapest SR-22 insurance in Ohio 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 Carolina$1,823/YearNorth Dakota$3,244/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. 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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 OhioCompare home and auto bundles in OhioWhat company offers the cheapest home and auto bundles in Ohio?Most and least expensive ZIP codes for home and auto insurance bundles in OhioFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates