Best and cheapest companies for home and auto bundles in Pennsylvania

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Bundling your home and auto insurance in Pennsylvania can help lower your overall costs, but the best option depends on whether you’re focused on getting the biggest discount or the lowest final premium. On average, State Farm delivers the highest percentage savings, while Travelers offers the most affordable bundled rates.

Because insurers price bundles differently, it’s important to compare multiple companies. The right fit depends on your home value, driving profile and where you live within Pennsylvania.

What you need to know about bundling in Pennsylvania

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
State Farm offers the largest bundle discount in Pennsylvania, saving about 22%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Pennsylvania can significantly affect how much you save.
Bundling is often cheaper and more convenient, but it’s not always the best overall value.

Which companies offer the best home and auto bundles in Pennsylvania? Here’s our pick

Travelers, Erie Insurance and State Farm stand out as top home and auto bundle companies in Pennsylvania, offering competitive pricing, solid discounts and strong performance in both auto and home insurance rankings. The best option for you depends on whether you prioritize maximum savings or the lowest overall cost.

We ranked insurers based on their average bundle discounts in both dollar and percentage terms, along with their rankings in home and auto insurance. Based on those criteria, these are the best bundling companies in Pennsylvania:

Travelers

The average bundle discount at Travelers is $363, or 10%. Travelers offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $3,489.

Erie Insurance

The average bundle discount at Erie Insurance is $585, or 14%. Customers who bundle home and auto with Erie Insurance receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $4,104.

State Farm

The average bundle discount at State Farm is $1,163, or 22%. Bundling with State Farm means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $5,320.

Allstate

The average bundle discount at Allstate is $1,354, or 20%. Without the bundle discount, the average rate for home and auto is $6,866.

USAA

The average bundle discount at USAA is $406, or 8%. Before the discount, customers see average rates of $4,779.

People also ask:

Who has the cheapest home and auto bundle in Pennsylvania?

Travelers typically provides the most affordable home and auto bundle in Pennsylvania, with average premiums around $3,126.

How much can you save by bundling home and auto insurance in Pennsylvania?

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

How do home and auto bundle rates compare in Pennsylvania?

Home and auto bundle rates in Pennsylvania vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

Here’s how rates and savings compare across top insurers in Pennsylvania:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Travelers	A++	A++	$1,934	$1,555	0.63	0.91	$3,126	4.75
Erie Insurance	A	A	$2,584	$1,520	0.77	0.46	$3,519	4.46
State Farm	A+	A+	$3,749	$1,571	0.87	1.15	$4,157	3.73
Allstate	A+	A+	$5,665	$1,201	1.20	1.26	$5,512	2.62
USAA*	A++	A++	$3,241	$1,538	1.16	0.46	$4,373	3.86

*USAA is only available to military community members and their families.

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 Pennsylvania?

Choose Travelers if your priority is the lowest overall premium for a home and auto bundle in Pennsylvania. If your goal is to unlock the highest discount percentage, State Farm is the stronger option.

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 choice depends on whether you prioritize the lowest final price or the largest discount.

Here’s how the cheapest bundle options compare in Pennsylvania:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Travelers	$1,555	$1,934	$3,489	$3,126
Erie Insurance	$1,520	$2,584	$4,104	$3,519
State Farm	$1,571	$3,749	$5,320	$4,157
Allstate	$1,201	$5,665	$6,866	$5,512
USAA*	$1,538	$3,241	$4,779	$4,373

*USAA is only available to military community members and their families.

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually 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, check three things: the liability limits, the 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 a better deal – it’s a more expensive one the moment you need to use it.

Which ZIP codes are most and least expensive in Pennsylvania?

The most expensive ZIP code for home and auto bundles in Pennsylvania is 19140, with average rates of $7,220, while the cheapest is 17331, where average premiums drop to $3,080. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten most expensive ZIP codes

The most expensive ZIP code in Pennsylvania for home and auto insurance bundling is 19140 at an average rate of $7,220.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
19140	$7,220	$1,187	14%
19142	$7,086	$1,162	14%
19132	$7,047	$1,147	14%
19121	$7,031	$1,148	14%
19133	$6,975	$1,134	14%
19120	$6,966	$1,141	14%
19139	$6,936	$1,132	14%
19126	$6,907	$1,126	14%
19143	$6,893	$1,132	14%
19122	$6,892	$1,123	14%

Top ten cheapest ZIP codes

The least expensive ZIP code in Pennsylvania for home and auto insurance bundling is 17331 at an average rate of $3,080.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
17331	$3,080	$522	14%
17003	$3,132	$541	15%
17601	$3,132	$532	15%
17404	$3,143	$534	15%
17406	$3,157	$534	14%
17408	$3,178	$536	14%
17407	$3,180	$543	15%
17403	$3,182	$541	15%
16820	$3,214	$543	14%
17721	$3,218	$545	14%

Your ZIP code can impact your rate more than your insurer

Location-based risks such as weather patterns, crime rates and rebuilding costs can create major price differences even within the same city. Two homes located less than a mile apart but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is standard, check whether your ZIP code is driving it up – and if you’re planning a move, get insurance quotes for your new address before committing.

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 Pennsylvania by city

See rates in your city

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed 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 98 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Pennsylvania can help reduce costs and make policy management easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and separate quotes. Coverage can also vary, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in Pennsylvania?

Switching to a bundle is straightforward and often happens when one policy comes up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your current one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, check the total cost, coverage details, and the insurer’s reputation. It’s important to choose a licensed company with dependable claims handling, since the lowest price may not always offer the best protection (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 2026.

Methodology

Insure.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 datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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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.

On this page

Which companies offer the best home and auto bundles in Pennsylvania? Here's our pick
How do home and auto bundle rates compare in Pennsylvania?
What is the cheapest home and auto bundles in Pennsylvania?
Which ZIP codes are most and least expensive in Pennsylvania?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Pennsylvania