Best and cheapest companies for home and auto bundles in Rhode Island

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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 Rhode Island 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 Rhode Island when you bundle your policies. By choosing this insurer, you can save an average of 23% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Rhode Island. When you bundle your policies, you can expect to pay an average of $1,739.

Key Takeaways

In Rhode Island, State Farm is the best home and auto bundle insurance provider, offering an average discount of 23%.
Some companies offer bigger savings for bundling than others, so it pays to shop around.
Where you live within the state will impact how much you can save by bundling.
Bundling usually makes sense, but there are situations where this might not be the case.

How we picked the best companies for home and auto bundling

In 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 Rhode Island

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in Rhode Island.

State Farm

State Farm offers a 23% bundle discount, which amounts to an average savings of $507. The combined cost of home and auto insurance before the discount is $2,246, and after the discount, it drops to $1,739.

Allstate

Allstate offers an average bundle discount of $1,116, or 22%. Before the bundle discount, you’ll pay an average of $5,076, which will decrease to $3,960 after the discount is applied.

Nationwide

Bundling auto and home insurance with Nationwide can save an average of $603, or 15%. Without the discount, the coverage costs $4,079, but after the discount, it’s only $3,476.

Compare home and auto bundles in Rhode Island

Bundling your home and auto insurance in Rhode Island 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	$1,739	47	87.4	A++	23%	82.03
Allstate	$3,960	39	85	A+	22%	68.29
Nationwide	$3,476	42	86.6	A	15%	54.38

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What company offers the cheapest home and auto bundles in Rhode Island?

State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$931	$1,315	$2,246	$1,739
Nationwide	$1,978	$2,101	$4,079	$3,476
Allstate	$1,527	$3,549	$5,076	$3,960
Amica Mutual	$2,268	$3,059	$5,327	$4,445

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

Your 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 Rhode Island.

Most expensive ZIP codes

The most expensive ZIP code in Rhode Island for home and auto insurance bundling is 2909 at an average rate of $4,727. See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
2909	$4,727	17%
2907	$4,697	17%
2908	$4,605	17%
2903	$4,559	17%
2912	$4,457	17%
2905	$4,425	17%
2906	$4,406	17%
2904	$4,372	17%
2918	$4,271	17%
2863	$4,027	17%

Least expensive ZIP codes

The most affordable ZIP code in Rhode Island for bundling home and auto insurance is 2875, with an average rate of $3,073. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
2875	$3,073	18%
2809	$3,191	18%
2842	$3,220	18%
2822	$3,242	18%
2878	$3,264	18%
2808	$3,292	18%
2841	$3,302	18%
2806	$3,337	18%
2840	$3,342	18%
2885	$3,358	18%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in Rhode Island?

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 Rhode Island?

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.

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.