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

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When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in South Carolina to determine which will give you the biggest price break when you purchase multiple types of coverage.

State Farm offers the biggest percentage break on your home and auto premiums in South Carolina when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 26%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in South Carolina. On average, you will pay $2,766 when you bundle.

Key Takeaways

In South Carolina, State Farm offers the biggest average discount of 26% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

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

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 South Carolina.

State Farm

The average bundle discount at State Farm is $974, or 26%. Before the bundle discount is added, the average cost of home and auto insurance is $3,740. After getting a bundle discount, the cost drops to $2,766. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Auto-Owners

The average bundle discount at Auto-Owners is $463, or 13%. Without a bundle discount, customers pay $3,603 for coverage. After the bundle discount, customers pay $3,140 on average. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and No. 3 in the Best Home Insurance Companies ranking.

Allstate

Bundling auto and home insurance with Allstate can save an average of $552, or 14%. Without the discount, the coverage costs $4,025, but after the discount, it’s only $3,473.

Travelers

The average bundle discount at Travelers is $677, which is a 11% savings. The cost of home and auto insurance before the discount is $6,258, but it lowers to $5,581 after applying the discount.

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

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 South Carolina.

Most expensive ZIP codes

The ZIP code 29225 in South Carolina has the highest average cost for bundling home and auto insurance, at $4,691. See the top 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 least expensive ZIP code in South Carolina for home and auto insurance bundling is 29575 at an average rate of $3,369. See the 10 least expensive ZIP codes below.

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 home and auto bundle insurance

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

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“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?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

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.