Best and cheapest companies for home and auto bundles in Oregon

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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 Oregon 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 Oregon when you bundle your policies. By choosing this insurer, you can save an average of 27% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Oregon. When you bundle your policies, you can expect to pay an average of $1,701.

Key Takeaways

In Oregon, State Farm is the best home and auto bundle insurance provider, offering an average discount of 27%.
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 Oregon

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 Oregon.

State Farm

State Farm offers a 27% bundle discount, which amounts to an average savings of $622. The combined cost of home and auto insurance before the discount is $2,323, and after the discount, it drops to $1,701.

Nationwide

The average bundle discount at Nationwide is $431, or 19%. Without a bundle discount, customers pay $2,293 for coverage. After the bundle discount, customers pay $1,862 on average. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

American Family

Bundling auto and home insurance with American Family can save an average of $405, or 16%. Without the discount, the coverage costs $2,563, but after the discount, it’s only $2,158.

Farmers Insurance

The average bundle discount at Farmers Insurance is $713, or 20%. Before the discount is added, the average cost of home and auto insurance is $3,622. After adding the bundle discount, the average cost is $2,909. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and at No. 8 in the Best Home Insurance Companies ranking.

Allstate

The average bundle discount at Allstate is $542, or 15%. Before getting a bundle discount, customers see average rates of $3,689 for coverage. With the bundle discount, customers see average rates of $3,147. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Compare home and auto bundles in Oregon

Bundling your home and auto insurance in Oregon can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$1,701	47	87.4	A++	27%	82.03
Nationwide	$1,862	42	86.6	A	19%	65.83
American Family	$2,158	50	85	A	16%	60.27
Farmers Insurance	$2,909	43	82	A	20%	59.22
Allstate	$3,147	39	85	A+	15%	51.52

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What company offers the cheapest home and auto bundles in Oregon?

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	$1,106	$1,217	$2,323	$1,701
Nationwide	$1,038	$1,255	$2,293	$1,862
American Family	$1,020	$1,543	$2,563	$2,158
Farmers Insurance	$1,641	$1,981	$3,622	$2,909
Allstate	$1,256	$2,433	$3,689	$3,147
Country Financial	$2,342	$1,705	$4,047	$3,207

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

The ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Oregon for bundling insurance.

Most expensive ZIP codes

The most expensive ZIP code in Oregon for bundling home and auto insurance is 97233, with an average cost of $2,809. Here are the 10 most expensive ZIP codes:

ZIP code	Average auto and home after discount	Average difference
97233	$2,809	20%
97236	$2,785	19%
97266	$2,768	20%
97030	$2,748	20%
97216	$2,732	19%
97230	$2,725	20%
97206	$2,724	20%
97220	$2,721	20%
97024	$2,721	20%
97218	$2,706	20%

Least expensive ZIP codes

The most affordable ZIP code in Oregon for bundling home and auto insurance is 97333, with an average rate of $2,130. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
97333	$2,130	19%
97330	$2,166	19%
97331	$2,177	19%
97504	$2,220	20%
97424	$2,241	19%
97535	$2,241	20%
97426	$2,253	20%
97701	$2,256	19%
97703	$2,273	19%
97702	$2,292	19%

Frequently asked questions about home and auto bundle insurance

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

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 Oregon?

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.

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.