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

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Bundling home and auto insurance in Rhode Island 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, Allstate 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 Rhode Island.

What you need to know about bundling in Rhode Island

Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.
Allstate offers the biggest bundle discount in Rhode Island, saving an average of 22%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within Rhode Island plays a major role in how much you’ll actually save
Bundling is often cheaper and more convenient, but it’s not always the best deal

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

State Farm, Amica and Nationwide stand out as top home and auto bundle companies in Rhode Island, 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 Rhode Island:

State Farm

The average bundle discount at State Farm is $647, or 20%. State Farm 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 $3,172.

Amica

The average bundle discount at Amica is $837, or 14%. Customers who bundle home and auto with Amica receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $6,054.

Nationwide

The average bundle discount at Nationwide is $1,060, or 18%. 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 $5,793.

Allstate

The average bundle discount at Allstate is $1,477, or 22%. Before the discount, the average cost of home and auto insurance is $6,785.

Farmers

The average bundle discount at Farmers is $912, or 13%. The average combined rate before the discount is $7,086.

People also ask:

Who has the cheapest home and auto bundle in Rhode Island?

State Farm typically provides the most affordable home and auto bundle in Rhode Island, with average premiums around $2,525.

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

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 Rhode Island?

Home and auto bundle rates in Rhode Island 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 Rhode Island:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A+	$2,179	$993	0.87	1.15	$2,525	4.36
Amica	A+	A+	$4,577	$1,477	0.59	0.37	$5,217	3.87
Nationwide	A	A	$3,052	$2,741	0.64	1.34	$4,733	3.48
Allstate	A+	A+	$4,322	$2,463	1.20	1.26	$5,308	3.02
Farmers	A	A	$4,290	$2,796	1.24	0.89	$6,174	2.73

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 Rhode Island?

Choose State Farm if your priority is the lowest overall premium for a home and auto bundle in Rhode Island. If your goal is to unlock the highest discount percentage, Allstate 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 Rhode Island:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$993	$2,179	$3,172	$2,525
Nationwide	$2,741	$3,052	$5,793	$4,733
Amica	$1,477	$4,577	$6,054	$5,217
Allstate	$2,463	$4,322	$6,785	$5,308
Farmers	$2,796	$4,290	$7,086	$6,174

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 Rhode Island?

The most expensive ZIP code for home and auto bundles in Rhode Island is 2907, with average rates of $6,388, while the cheapest is 2875, where average premiums drop to $4,109. 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 Rhode Island for home and auto insurance bundling is 2907 at an average rate of $6,388.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
2907	$6,388	$938	13%
2909	$6,150	$906	13%
2908	$6,075	$889	13%
2905	$5,983	$889	13%
2918	$5,810	$849	13%
2863	$5,781	$854	13%
2904	$5,643	$840	13%
2912	$5,607	$845	13%
2860	$5,581	$828	13%
2903	$5,523	$837	13%

Top ten cheapest ZIP codes

The least expensive ZIP code in Rhode Island for home and auto insurance bundling is 2875 at an average rate of $4,109.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
2875	$4,109	$601	13%
2842	$4,120	$629	13%
2878	$4,175	$628	13%
2840	$4,199	$640	13%
2891	$4,214	$628	13%
2809	$4,234	$637	13%
2808	$4,287	$638	13%
2841	$4,292	$648	13%
2806	$4,364	$663	13%
2885	$4,394	$658	13%

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 Rhode Island by city

See rates in your city

Cranston

Providence

Warwick

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 37 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Rhode Island 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 Rhode Island?

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. May 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 Rhode Island? Here's our pick
How do home and auto bundle rates compare in Rhode Island?
What is the cheapest home and auto bundles in Rhode Island?
Which ZIP codes are most and least expensive in Rhode Island?
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 Rhode Island