Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Tennessee Best and cheapest companies for home and auto bundles in Tennessee State Farm has the biggest auto and home bundling discount in Tennessee at an average of 28%, and also has the cheapest overall bundled rate at an average of $2,843 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. When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Tennessee to identify which ones provide significant savings when combining multiple coverage types.State Farm provides the highest percentage discount on home and auto insurance premiums in Tennessee when you bundle your policies. By choosing this insurer, you can save an average of 28% on your home and auto bundle. On the other hand, State Farm provides the lowest overall rate for bundling in Tennessee. When you bundle your policies, you can expect to pay an average of $2,843. Key Takeaways In Tennessee, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 28%.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 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 TennesseeWe 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 Tennessee.State FarmState Farm offers an average bundle discount of $1,126, which is a 28% savings on your premiums. Before the discount, the combined home and auto insurance cost is $3,969, and after applying the bundle discount, the total cost drops to $2,843.Erie InsuranceErie Insurance offers an average discount of $853 when you bundle your auto and home insurance, which is about 18%. Without the discount, the average cost is $4,761, but with the discount, the price drops to $3,908.Auto-OwnersThe average bundle discount at Auto-Owners is $468, or 13%. Without the bundle discount, the average cost of coverage is $3,691. After the bundle discount, that cost goes down to $3,223. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and No. 3 in the Best Home Insurance Companies ranking.AllstateAllstate offers an average bundle discount of $727, which is about 16%. Without the discount, the combined cost of home and auto insurance is $4,423. After applying the discount, the total cost drops to $3,696.Farmers InsuranceFarmers Insurance provides an average bundle discount of $743, or 15%. Before the discount, the average cost for coverage is $5,014. After applying the discount, the cost comes down to $4,271.Compare home and auto bundles in TennesseeBundling your home and auto insurance in Tennessee 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$2,843 4787.4A++28%82.03Erie Insurance$3,908 7393.2A+18%74.61Auto-Owners$3,223 4981.2A++13%67.08Allstate$3,696 3985A+16%66.61Farmers Insurance$4,271 4382A15%63.15Travelers$7,355 4483.6A++10%54.57Powered 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 Tennessee?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$2,772$1,197$3,969$2,843Auto-Owners$2,134$1,557$3,691$3,223Tennessee Farmers$2,315$1,530$3,845$3,535Allstate$1,660$2,763$4,423$3,696Erie Insurance$3,031$1,730$4,761$3,908Farmers Insurance$3,391$1,623$5,014$4,271Travelers$6,630$1,520$8,150$7,355Powered by:Most and least expensive ZIP codes for home and auto insurance bundles in TennesseeWhere 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 Tennessee for policyholders who bundle their coverage:Most expensive ZIP codesThe ZIP code 38127 in Tennessee has the highest average cost for bundling home and auto insurance, at $5,524. See the top 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference38127$5,52416%38128$5,38716%38109$5,35816%38116$5,33416%38114$5,33216%38106$5,33216%38108$5,27216%38107$5,22616%38118$5,20116%38163$5,15916%Powered by:Least expensive ZIP codesThe least expensive ZIP code in Tennessee for bundling home and auto insurance is 37664, with an average cost of $3,122. Here are the 10 cheapest ZIP codes:ZIP codeAverage auto and home after discountAverage difference37664$3,12216%37660$3,15915%37663$3,19116%37665$3,19716%37996$3,41615%37916$3,42016%37902$3,44016%37920$3,44615%37918$3,44715%37932$3,45215%Powered by: Frequently asked questions about home and auto bundle insurance Is bundling home and auto insurance right for everyone in Tennessee? 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 Tennessee? 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. 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 TennesseeCar insurance calculator for teens in TennesseeCheapest SR-22 insurance in TennesseeDo you need insurance to register a car in Tennessee?How much is gap insurance in TennesseeLow-cost car insurance in TennesseeNon-owner auto insurance in Tennessee: Which company has the cheapest rates?Tennessee car insurance calculatorThe best, cheapest car insurance in Tennessee 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/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/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 TennesseeCompare home and auto bundles in TennesseeWhat company offers the cheapest home and auto bundles in Tennessee?Most and least expensive ZIP codes for home and auto insurance bundles in TennesseeFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330