Best and cheapest companies for home and auto bundles in Ohio

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Bundling home and auto insurance in Ohio can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, Allstate provides the highest percentage savings, while Erie Insurance offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within Ohio.

What you need to know about bundling in Ohio

Bundling allows you to purchase home and auto insurance from the same company and receive a discount on your policies.
Allstate has the highest bundle discount in Ohio, averaging 18%
The largest discount doesn’t always lead to the lowest total premium
Your ZIP code within Ohio can significantly impact your savings
Bundling is often more convenient and can save money, but it’s not always the cheapest option

Which companies offer the best home and auto bundles in Ohio? Here’s our pick

Auto-Owners, Erie Insurance and Travelers stand out as top home and auto bundle companies in Ohio, offering competitive pricing, solid discounts and strong performance in both auto and home insurance rankings. The best option for you depends on whether you prioritize maximum savings or the lowest overall cost.

We ranked insurers based on their average bundle discounts in both dollar and percentage terms, along with their rankings in home and auto insurance. Based on those criteria, these are the best bundling companies in Ohio:

Auto-Owners

The average bundle discount at Auto-Owners is $515, or 13%. Most Auto-Owners policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $3,995.

Erie Insurance

The average bundle discount at Erie Insurance is $548, or 14%. Customers who bundle home and auto with Erie Insurance receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $3,891.

Travelers

The average bundle discount at Travelers is $410, or 10%. Bundling with Travelers means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $4,035.

Farmers

The average bundle discount at Farmers is $762, or 18%. Before the discount, the average cost of home and auto insurance is $4,329.

Grange Insurance

The average bundle discount at Grange Insurance is $835, or 17%. Before the discount, customers see average rates of $4,872.

People also ask:

Who has the cheapest home and auto bundle in Ohio?

In Ohio, Erie Insurance offers the cheapest rates for home and auto bundle, with an average premium of $3,343.

How much can you save by bundling home and auto insurance in Ohio?

On average, bundling home and auto insurance can save you about 17%, though your exact savings will depend on your coverage, location, and eligibility for discounts.

How do home and auto bundle rates compare in Ohio?

Home and auto bundle rates in Ohio vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

Here’s how rates and savings compare across top insurers in Ohio:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Auto-Owners	A+	A+	$1,919	$2,076	0.44	0.39	$3,480	4.72
Erie Insurance	A	A	$1,418	$2,473	0.77	0.46	$3,343	4.59
Travelers	A++	A++	$1,574	$2,461	0.63	0.91	$3,625	4.26
Farmers	A	A	$2,386	$1,943	1.24	0.89	$3,567	3.82
Grange Insurance	A	A	$1,537	$3,335	1.26	1.14	$4,037	3.05
Allstate	A+	A+	$3,550	$1,825	1.20	1.26	$4,383	2.66

Bundle savings can vary more than you expect

Two insurers may offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in Ohio?

Erie Insurance is the most affordable option for home and auto bundles in Ohio, based on total premium. On the other hand, Allstate is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

Here’s how the cheapest bundle options compare in Ohio:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Erie Insurance	$2,473	$1,418	$3,891	$3,343
Auto-Owners	$2,076	$1,919	$3,995	$3,480
Farmers	$1,943	$2,386	$4,329	$3,567
Travelers	$2,461	$1,574	$4,035	$3,625
Grange Insurance	$3,335	$1,537	$4,872	$4,037
Allstate	$1,825	$3,550	$5,375	$4,383

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or exclusions that leave you exposed when you need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key factors: liability limits, deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t actually a better deal – it becomes more expensive the moment you need to use it.

Which ZIP codes are most and least expensive in Ohio?

The most expensive ZIP code for home and auto bundles in Ohio is 43205, with average rates of $4,004, while the cheapest is 44663, where premiums drop to $3,127. Rates can vary widely due to differences in risk, property values and local claims data.

Where you live plays a major role in your insurance costs, affecting both base premiums and available discounts.

Top ten most expensive ZIP codes

The most expensive ZIP code in Ohio for home and auto insurance bundling is 43205 at an average rate of $4,004.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
43205	$4,004	$627	14%
45402	$3,995	$633	14%
43608	$3,992	$625	14%
43601	$3,980	$614	13%
44104	$3,962	$615	13%
43206	$3,953	$621	14%
45234	$3,943	$600	13%
44101	$3,942	$600	13%
43211	$3,929	$621	14%
45205	$3,929	$617	14%

Top ten cheapest ZIP codes

The least expensive ZIP code in Ohio for home and auto insurance bundling is 44663 at an average rate of $3,127.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
44663	$3,127	$489	14%
44883	$3,156	$485	13%
44870	$3,175	$496	14%
43351	$3,204	$499	13%
44035	$3,262	$511	14%
43065	$3,265	$513	14%
44430	$3,278	$512	14%
44129	$3,281	$515	14%
43302	$3,287	$513	14%
45303	$3,323	$520	14%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Ohio by city

See rates in your city

Cincinnati

Toronto

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 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 6 companies and 193 ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Ohio can help reduce costs and simplify policy management, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in Ohio?

Switching to a bundle is straightforward. Many people make the change when one of their policies is up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in Ohio? Here's our pick
How do home and auto bundle rates compare in Ohio?
What is the cheapest home and auto bundles in Ohio?
Which ZIP codes are most and least expensive in Ohio?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Ohio