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: September 8, 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 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 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 Rhode IslandInsure.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 FarmState 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.AllstateAllstate 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.NationwideBundling 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 IslandBundling 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.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:What company offers the cheapest home and auto bundle in Rhode Island?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$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 home and auto insurance bundling is 2909 at an average rate of $4,727. See the 10 most expensive ZIP codes below.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 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. 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 IslandCheapest car insurance 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 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 Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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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 Rhode IslandCompare home and auto bundles in Rhode IslandWhat company offers the cheapest home and auto bundle 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