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 Farmers offers the biggest bundling discount in Oregon, saving drivers an average of 21%, while State Farm has the cheapest bundled premium at $2,817. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onSeptember 18, 2026 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. For a deeper dive into our process, see our complete methodology. 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. Bundling home and auto insurance in Oregon 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, Farmers provides the highest percentage savings, while State Farm 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 Oregon. What you need to know about bundling in Oregon Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.Farmers offers the biggest bundle discount in Oregon, saving an average of 21%The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by companyYour location within Oregon plays a major role in how much you’ll actually saveBundling is often cheaper and more convenient, but it’s not always the best deal Which companies offer the best home and auto bundles in Oregon? Here’s our pickState Farm, Country Financial and Nationwide are among the best home and auto bundle companies in Oregon, offering strong discounts, competitive bundled rates and high rankings for both auto and home insurance. The right choice for you will depend on whether you prioritize the biggest discount or the lowest final premium.We ranked companies based on the average bundle discount they offer in both dollar and percentage terms, along with their performance in auto and home insurance rankings. Based on those criteria, these are the best companies for bundling in Oregon:State FarmThe average bundle discount at State Farm is $659, or 19%. State Farm makes bundling home and auto policies available to most customers, with a relatively simple qualification process. The average combined rate before the discount is $3,476.Country FinancialThe average bundle discount at Country Financial is $1,071, or 19%. Customers who bundle home and auto with Country Financial receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $5,502.NationwideThe average bundle discount at Nationwide is $864, or 21%. Bundling with Nationwide also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage is $4,114.FarmersThe average bundle discount at Farmers is $1,048, or 21%. The average combined rate before the discount is $5,026.AllstateThe average bundle discount at Allstate is $823, or 13%. Without the bundle discount, the average rate for home and auto is $6,347. People also ask: Who has the cheapest home and auto bundle in Oregon?In Oregon, State Farm offers the cheapest rates for home and auto bundle, with an average premium of $2,817.How much can you save by bundling home and auto insurance in Oregon?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 Oregon?Home and auto bundle rates in Oregon can vary significantly by insurer. Some companies offer lower base premiums, while others provide larger discounts, and the difference between providers can be substantial. Comparing both the final price and the discount is key to finding the best deal.Here’s how rates and savings compare across top insurers in Oregon:Company GroupAuto AM BestHome AM BestAuto PremiumHome PremiumAuto NAICHome NAICBundled PremiumOverall RatingState FarmA+A+$2,441$1,0350.871.15$2,8174.28Country FinancialA+A+$2,796$2,7060.340.23$4,4314.07NationwideAA$2,451$1,6630.641.34$3,2503.99FarmersAA$3,205$1,8211.240.89$3,9783.50AllstateA+A+$4,761$1,5861.201.26$5,5242.67Powered by: 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 Oregon?State Farm offers the cheapest home and auto bundle in Oregon, with the lowest overall premium. If you’re looking to maximize savings through discounts, Farmers provides the highest percentage reduction.A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied.The best option depends on whether you want the lowest total cost or the largest discount.Here’s how the cheapest bundle options compare in Oregon:CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$1,035$2,441$3,476$2,817Nationwide$1,663$2,451$4,114$3,250Farmers$1,821$3,205$5,026$3,978Country Financial$2,706$2,796$5,502$4,431Allstate$1,586$4,761$6,347$5,524Powered by: 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 Oregon?The most expensive ZIP code for home and auto bundles in Oregon is 97233, with average rates of $4,211, while the cheapest is 97333, where premiums drop to $3,011. 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 codesThe most expensive ZIP code in Oregon for home and auto insurance bundling is 97233 at an average rate of $4,211.See the 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discount$ difference% difference97233$4,211$76415%97266$4,150$76216%97230$4,098$74515%97220$4,072$74115%97216$4,066$74315%97024$4,055$73015%97236$4,025$73215%97750$4,021$65314%97707$4,000$64414%97215$3,985$72615%Powered by:Top ten cheapest ZIP codesThe least expensive ZIP code in Oregon for home and auto insurance bundling is 97333 at an average rate of $3,011.See the 10 least expensive ZIP codes below.ZIP codeAverage auto and home after discount$ difference% difference97333$3,011$51715%97330$3,025$52815%97331$3,081$53615%97504$3,154$54915%97535$3,164$55715%97424$3,182$53814%97426$3,205$54314%97125$3,305$59415%97818$3,313$56315%97304$3,328$60115%Powered by: 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 Oregon by citySee rates in your cityEugeneHillsboroPortlandSalemHow we picked the best companies for home and auto bundlingWe analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. We also reviewed bundle discount percentages based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 5 companies and 83 ZIP codes. Frequently asked questions about home and auto bundle insurance Is bundling home and auto insurance right for everyone in Oregon? Bundling home and auto insurance in Oregon can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.“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 home and auto insurance in Oregon can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.“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.” What should you check before bundling home and auto insurance? Before bundling home and auto insurance, compare total costs, coverage details, and the insurer’s reputation. Make sure the company is licensed and offers reliable claims support, as the cheapest option may not provide the best overall value (Texas Department of Insurance, n.d.). Resources & Methodology Sources:Texas Department of Insurance, (2025). Shopping for auto insurance. September 2026. MethodologyInsure.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 datasetsNAIC (35%) – complaint index and customer experienceAM Best (30%) – financial strength and stabilityHow much is home and auto bundle insurance in other statesAlaska$3,766/YearAlabama$4,171/YearArkansas$4,303/YearArizona$3,494/YearCalifornia$3,605/YearColorado$4,655/YearConnecticut$4,165/YearWashington, D.C.$4,209/YearDelaware$2,995/YearFlorida$5,034/YearGeorgia$4,402/YearHawaii$2,297/YearIowa$3,357/YearIdaho$2,084/YearIllinois$2,823/YearIndiana$3,707/YearKansas$5,023/YearKentucky$4,319/YearLouisiana$5,444/YearMassachusetts$3,348/YearMaryland$3,055/YearMaine$1,925/YearMichigan$5,213/YearMinnesota$3,436/YearMissouri$5,235/YearMississippi$4,294/YearMontana$3,332/YearNorth Carolina$2,138/YearNorth Dakota$3,818/YearNebraska$5,170/YearNew Hampshire$2,285/YearNew Jersey$3,261/YearNew Mexico$3,695/YearNevada$3,040/YearNew York$4,832/YearOhio$3,343/YearOklahoma$5,012/YearPennsylvania$3,126/YearRhode Island$2,525/YearSouth Carolina$3,978/YearSouth Dakota$3,689/YearTennessee$4,177/YearTexas$5,665/YearUtah$2,742/YearVirginia$2,450/YearVermont$1,821/YearWashington$3,023/YearWisconsin$3,191/YearWest Virginia$3,395/YearWyoming$2,786/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in OregonBest and cheapest homeowners insurance companies in OregonCost of Living in Oregon in 2025How much does condo insurance cost in Oregon?Best renters insurance in OregonOregon homeowners insurance calculatorSee more 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. Explore other insurance options in Oregon Average homeowners insurance cost in Oregon Average car insurance cost in Oregon Non-owner auto insurance in Oregon In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance premiums? Mobile home insurance: What it covers and how much it costs Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance How much flood insurance do I need? 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Here's our pickHow do home and auto bundle rates compare in Oregon?What is the cheapest home and auto bundles in Oregon?Which ZIP codes are most and least expensive in Oregon?How we picked the best companies for home and auto bundlingFrequently asked questions about home and auto bundle insuranceResources & Methodology ZIP Code Please enter valid ZIP See rates 1-833-708-6021