Best and cheapest companies for home and auto bundles in Pennsylvania

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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 Pennsylvania 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 Pennsylvania when you bundle your policies. By choosing this insurer, you can save an average of 24% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Pennsylvania. When you bundle your policies, you can expect to pay an average of $2,589.

Key Takeaways

In Pennsylvania, State Farm offers the biggest average discount of 24% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

How we picked the best companies for home and auto bundling

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 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 48 companies and 4,686 ZIP codes in our analysis.

Our recommendation for the best home and auto bundles in Pennsylvania

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 Pennsylvania.

State Farm

State Farm offers a 24% bundle discount, which amounts to an average savings of $833. The combined cost of home and auto insurance before the discount is $3,422, and after the discount, it drops to $2,589.

Erie Insurance

The average bundle discount at Erie Insurance is $679, or 16%. Without a bundle discount, customers pay $4,237 for coverage. After the bundle discount, customers pay $3,558 on average. Erie Insurance ranked at No. 1 in our Best Auto Insurance Companies ranking and No. 1 in the Best Home Insurance Companies ranking.

Allstate

Allstate offers an average discount of $912 when you bundle your auto and home insurance, which is about 19%. Without the discount, the average cost is $4,690, but with the discount, it drops to $3,778.

Nationwide

Nationwide offers an average bundle discount of $752, which is about 18%. Without the discount, the combined cost of home and auto insurance is $4,277. After applying the discount, the total cost drops to $3,525.

Travelers

Travelers offers an average bundle discount of $778, or 11%. The average rate for coverage before the discount is $7,109, and with the discount, it’s reduced to $6,331.

Compare home and auto bundles in Pennsylvania

Bundling your home and auto insurance in Pennsylvania 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	$2,589	47	87.4	A++	24%	82.03
Erie Insurance	$3,558	73	93.2	A+	16%	72.35
Allstate	$3,778	39	85	A+	19%	69.03
Nationwide	$3,525	42	86.6	A	18%	67.92
Travelers	$6,331	44	83.6	A++	11%	52.82

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

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	$1,532	$1,890	$3,422	$2,589
Nationwide	$2,188	$2,089	$4,277	$3,525
Erie Insurance	$2,060	$2,177	$4,237	$3,558
Allstate	$989	$3,701	$4,690	$3,778
Travelers	$5,536	$1,573	$7,109	$6,331

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

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 Pennsylvania for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 19140 in Pennsylvania has the highest average cost for bundling home and auto insurance, at $5,697. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
19140	$5,697	17%
19141	$5,675	17%
19142	$5,635	17%
19138	$5,626	17%
19132	$5,588	17%
19126	$5,578	17%
19143	$5,542	17%
19109	$5,539	17%
19120	$5,510	17%
19139	$5,492	17%

Least expensive ZIP codes

The most affordable ZIP code in Pennsylvania for bundling home and auto insurance is 17331, with an average rate of $2,409. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
17331	$2,409	18%
17404	$2,426	18%
17406	$2,439	18%
17408	$2,440	18%
17403	$2,451	18%
17407	$2,464	18%
17601	$2,485	18%
17402	$2,487	18%
17721	$2,492	19%
17003	$2,497	19%

Frequently asked questions about home and auto bundle insurance

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

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 Pennsylvania?

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.