Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Oregon Best and cheapest companies for home and auto bundles in Oregon State Farm has the biggest auto and home bundling discount in Oregon at an average of 27%, and also has the cheapest overall bundled rate at an average of $1,701 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: September 8, 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 Oregon insurers to help you find the carriers that offer the most affordable rates after bundling.In Oregon, 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 27%. State Farm provides the lowest bundled rate in Oregon, with an average cost of $1,701 for combining your home and auto policies. Key Takeaways In Oregon, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 27%.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 bundlingIn 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 OregonWe 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 FarmThe average bundle discount at State Farm is $622, or 27%. Before the bundle discount is added, the average cost of home and auto insurance is $2,323. After getting a bundle discount, the cost drops to $1,701. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.NationwideThe 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 FamilyAmerican Family offers an average discount of $405 when you bundle your auto and home insurance, which is about 16%. Without the discount, the average cost is $2,563, but with the discount, it drops to $2,158.Farmers InsuranceThe average bundle discount at Farmers Insurance is $713, which is a 20% savings. The cost of home and auto insurance before the discount is $3,622, but it lowers to $2,909 after applying the discount.AllstateThe 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 OregonBundling 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$1,701 4787.4A++27%82.03Nationwide$1,862 4286.6A19%65.83American Family$2,158 5085A16%60.27Farmers Insurance$2,909 4382A20%59.22Allstate$3,147 3985A+15%51.52Powered by:What company offers the cheapest home and auto bundles in Oregon?State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$1,106$1,217$2,323$1,701Nationwide$1,038$1,255$2,293$1,862American Family$1,020$1,543$2,563$2,158Farmers Insurance$1,641$1,981$3,622$2,909Allstate$1,256$2,433$3,689$3,147Country Financial$2,342$1,705$4,047$3,207Powered by:Most and least expensive ZIP codes for home and auto insurance bundles in OregonWhere 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 Oregon for policyholders who bundle their coverage:Most expensive ZIP codesThe 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 codeAverage auto and home after discountAverage difference97233$2,80920%97236$2,78519%97266$2,76820%97030$2,74820%97216$2,73219%97230$2,72520%97206$2,72420%97220$2,72120%97024$2,72120%97218$2,70620%Powered by:Least expensive ZIP codesThe least expensive ZIP code in Oregon for bundling home and auto insurance is 97333, with an average cost of $2,130. Here are the 10 cheapest ZIP codes:ZIP codeAverage auto and home after discountAverage difference97333$2,13019%97330$2,16619%97331$2,17719%97504$2,22020%97424$2,24119%97535$2,24120%97426$2,25320%97701$2,25619%97703$2,27319%97702$2,29219%Powered by: 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. 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 Average car insurance cost in OregonCheapest car insurance in OregonCheapest SR-22 insurance in OregonDo you need insurance to register a car in Oregon?How much car insurance costs in Oregon vs. WashingtonHow much is gap insurance in OregonNon-owner auto insurance in Oregon: Which company has the cheapest rates?Oregon car insurance calculatorThe best, cheapest car insurance in Oregon Chris 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. He is based in Denver.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/YearOhio$2,229/YearOklahoma$4,641/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/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow more In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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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 OregonCompare home and auto bundles in OregonWhat company offers the cheapest home and auto bundles in Oregon?Most and least expensive ZIP codes for home and auto insurance bundles in OregonFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330