Best and cheapest companies for home and auto bundles in Ohio

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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 Ohio to determine which will give you the biggest price break when you purchase multiple types of coverage.

State Farm offers the biggest percentage break on your home and auto premiums in Ohio when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 26%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Ohio. On average, you will pay $2,229 when you bundle.

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 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

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

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

The average bundle discount at Nationwide is $522, or 18%. Without a bundle discount, customers pay $2,883 for coverage. After the bundle discount, customers pay $2,361 on average. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

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

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 provides an average bundle discount of $381, or 13%. Before the discount, the average cost for coverage is $2,949. After applying the discount, the cost comes down 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

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What 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.

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 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 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.