Best and cheapest companies for home and auto bundles in South Carolina

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from South Carolina insurers to help you find the carriers that offer the most affordable rates after bundling.

In South Carolina, 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 26%.

State Farm provides the lowest bundled rate in South Carolina, with an average cost of $2,766 for combining your home and auto policies.

Key Takeaways

In South Carolina, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 26%.
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 bundling

Insure.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 South Carolina

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in South Carolina for home and auto bundling.

State Farm

State Farm offers a 26% bundle discount, which amounts to an average savings of $974. The combined cost of home and auto insurance before the discount is $3,740, and after the discount, it drops to $2,766.

Auto-Owners

Auto-Owners offers an average discount of $463 when you bundle your auto and home insurance, which is about 13%. Without the discount, the average cost is $3,603, but with the discount, the price drops to $3,140.

Allstate

The average bundle discount at Allstate is $552, or 14%. Without the bundle discount, the average cost of coverage is $4,025. After the bundle discount, that cost goes down to $3,473. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Travelers

Travelers offers an average bundle discount of $677, which is about 11%. Without the discount, the combined cost of home and auto insurance is $6,258. After applying the discount, the total cost drops to $5,581.

Compare home and auto bundles in South Carolina

Bundling your home and auto insurance in South Carolina 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	$2,766	47	87.4	A++	26%	82.03
Auto-Owners	$3,140	49	81.2	A++	13%	64.53
Allstate	$3,473	39	85	A+	14%	62.46
Travelers	$5,581	44	83.6	A++	11%	52.82

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What company offers the cheapest home and auto bundles in South Carolina?

If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,076	$1,664	$3,740	$2,766
Auto-Owners	$1,976	$1,627	$3,603	$3,140
Allstate	$1,356	$2,669	$4,025	$3,473
Travelers	$4,772	$1,486	$6,258	$5,581

Most and least expensive ZIP codes for home and auto insurance bundles in South Carolina

Where 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 South Carolina for policyholders who bundle their coverage:

Most expensive ZIP codes

The most expensive ZIP code in South Carolina for home and auto insurance bundling is 29225 at an average rate of $4,691. See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
29225	$4,691	16%
29222	$4,631	16%
29555	$4,330	17%
29010	$4,111	16%
29102	$4,036	16%
29483	$4,022	17%
29153	$4,021	16%
29154	$3,924	16%
29044	$3,923	16%
29512	$3,922	16%

Least expensive ZIP codes

The most affordable ZIP code in South Carolina for bundling home and auto insurance is 29575, with an average rate of $3,369. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
29575	$3,369	16%
29577	$3,393	16%
29902	$3,411	16%
29906	$3,442	16%
29572	$3,461	16%
29707	$3,482	15%
29715	$3,490	15%
29803	$3,518	16%
29672	$3,518	15%
29708	$3,521	15%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in South Carolina?

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 South Carolina?

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.

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.