Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Rhode Island Best and cheapest companies for home and auto bundles in Rhode Island State Farm has the biggest auto and home bundling discount in Rhode Island at an average of 23%, and also has the cheapest overall bundled rate at an average of $1,739 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: October 1, 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. Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Rhode Island insurers to help you find the carriers that offer the most affordable rates after bundling.In Rhode Island, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 23%. State Farm provides the lowest bundled rate in Rhode Island, with an average cost of $1,739 for combining your home and auto policies. Key Takeaways In Rhode Island, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 23%.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 bundlingInsure.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 Rhode IslandWe 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 Rhode Island.State FarmState Farm offers an average bundle discount of $507, which is a 23% savings on your premiums. Before the discount, the combined home and auto insurance cost is $2,246, and after applying the bundle discount, the total cost drops to $1,739.AllstateAllstate offers an average discount of $1,116 when you bundle your auto and home insurance, which is about 22%. Without the discount, the average cost is $5,076, but with the discount, the price drops to $3,960.NationwideNationwide offers an average discount of $603 when you bundle your auto and home insurance, which is about 15%. Without the discount, the average cost is $4,079, but with the discount, it drops to $3,476.Compare home and auto bundles in Rhode IslandBundling your home and auto insurance in Rhode Island can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$1,739 4787.4A++23%82.03Allstate$3,960 3985A+22%68.29Nationwide$3,476 4286.6A15%54.38Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now What company offers the cheapest home and auto bundles in Rhode Island?If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$931$1,315$2,246$1,739Nationwide$1,978$2,101$4,079$3,476Allstate$1,527$3,549$5,076$3,960Amica Mutual$2,268$3,059$5,327$4,445Powered by:Most and least expensive ZIP codes for home and auto insurance bundles in Rhode IslandWhere 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 Rhode Island for policyholders who bundle their coverage:Most expensive ZIP codesThe most expensive ZIP code in Rhode Island for bundling home and auto insurance is 2909, with an average cost of $4,727. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference2909$4,72717%2907$4,69717%2908$4,60517%2903$4,55917%2912$4,45717%2905$4,42517%2906$4,40617%2904$4,37217%2918$4,27117%2863$4,02717%Powered by:Least expensive ZIP codesThe least expensive ZIP code in Rhode Island for bundling home and auto insurance is 2875, with an average cost of $3,073. Here are the 10 cheapest ZIP codes:ZIP codeAverage auto and home after discountAverage difference2875$3,07318%2809$3,19118%2842$3,22018%2822$3,24218%2878$3,26418%2808$3,29218%2841$3,30218%2806$3,33718%2840$3,34218%2885$3,35818%Powered by: Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Rhode Island? Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.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? Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage. 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 Average car insurance cost in Rhode IslandCar insurance calculator for teens in Rhode IslandCheapest SR-22 insurance in Rhode IslandDo you need insurance to register a car in Rhode Island?How much is gap insurance in Rhode IslandLow-cost car insurance in Rhode IslandNon-owner auto insurance in Rhode Island: Which company has the cheapest rates?Rhode Island car insurance calculatorThe best, cheapest car insurance in Rhode Island Chris 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. He is based in Denver.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/YearPennsylvania$2,589/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 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 Rhode IslandCompare home and auto bundles in Rhode IslandWhat company offers the cheapest home and auto bundles in Rhode Island?Most and least expensive ZIP codes for home and auto insurance bundles in Rhode IslandFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330