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 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 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 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 an average bundle discount of $622, which is a 27% savings on your premiums. Before the discount, the combined home and auto insurance cost is $2,323, and after applying the bundle discount, the total cost 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 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	$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 bundle in Oregon?

State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when you bundle.

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

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 Oregon for policyholders who bundle their coverage:

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 least expensive ZIP code in Oregon for home and auto insurance bundling is 97333 at an average rate of $2,130. See the 10 least expensive ZIP codes below.

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 bundling home and auto insurance

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

Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

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?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

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.