Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Pennsylvania Best and cheapest companies for home and auto bundles in Pennsylvania State Farm has the biggest auto and home bundling discount in Pennsylvania at an average of 24%, and also has the cheapest overall bundled rate at an average of $2,589 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: April 23, 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. When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Pennsylvania to determine which will give you the biggest price break when you purchase multiple types of coverage.State Farm offers the biggest percentage break on your home and auto premiums in Pennsylvania when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 24%. Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Pennsylvania. On average, you will pay $2,589 when you bundle. Key Takeaways In Pennsylvania, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 24%.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 PennsylvaniaWe 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 FarmState 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 InsuranceErie Insurance offers an average discount of $679 when you bundle your auto and home insurance, which is about 16%. Without the discount, the average cost is $4,237, but with the discount, the price drops to $3,558.AllstateBundling auto and home insurance with Allstate can save an average of $912, or 19%. Without the discount, the coverage costs $4,690, but after the discount, it’s only $3,778.NationwideThe average bundle discount at Nationwide is $752, which is a 18% savings. The cost of home and auto insurance before the discount is $4,277, but it lowers to $3,525 after applying the discount.TravelersTravelers provides an average bundle discount of $778, or 11%. Before the discount, the average cost for coverage is $7,109. After applying the discount, the cost comes down to $6,331.Compare home and auto bundles in PennsylvaniaThe amount you can save on home and auto insurance with a bundle in Pennsylvania varies by company. Here is a breakdown of the rates and savings with top companies.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$2,589 4787.4A++24%82.03Erie Insurance$3,558 7393.2A+16%72.35Allstate$3,778 3985A+19%69.03Nationwide$3,525 4286.6A18%67.92Travelers$6,331 4483.6A++11%52.82What company offers the cheapest home and auto bundle in Pennsylvania?State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$1,532$1,890$3,422$2,589Nationwide$2,188$2,089$4,277$3,525Erie Insurance$2,060$2,177$4,237$3,558Allstate$989$3,701$4,690$3,778Travelers$5,536$1,573$7,109$6,331Most and least expensive ZIP codes for home and auto insurance bundles in PennsylvaniaYour ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Pennsylvania.Most expensive ZIP codesThe most expensive ZIP code in Pennsylvania for home and auto insurance bundling is 19140 at an average rate of $5,697. See the 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference19140$5,69717%19141$5,67517%19142$5,63517%19138$5,62617%19132$5,58817%19126$5,57817%19143$5,54217%19109$5,53917%19120$5,51017%19139$5,49217%Least expensive ZIP codesThe least expensive ZIP code in Pennsylvania for home and auto insurance bundling is 17331 at an average rate of $2,409. See the 10 least expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference17331$2,40918%17404$2,42618%17406$2,43918%17408$2,44018%17403$2,45118%17407$2,46418%17601$2,48518%17402$2,48718%17721$2,49219%17003$2,49719% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Pennsylvania? Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.It’s also possible that a company has the right coverage for one type of insurance but not for the other.Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.“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 bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered. 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 The best, cheapest car insurance in PennsylvaniaPennsylvania car insurance calculatorNon-owner car insurance in Pennsylvania: Which company has the cheapest rates? 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/YearOregon$1,701/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/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris 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. 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Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims 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 PennsylvaniaCompare home and auto bundles in PennsylvaniaWhat company offers the cheapest home and auto bundle in Pennsylvania?Most and least expensive ZIP codes for home and auto insurance bundles in PennsylvaniaFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330