Best and cheapest companies for home and auto bundles in Tennessee

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Bundling your home and auto insurance in Tennessee can help lower your overall costs, but the best option depends on whether you’re focused on getting the biggest discount or the lowest final premium. On average, State Farm delivers the highest percentage savings, while State Farm offers the most affordable bundled rates.

Because insurers price bundles differently, it’s important to compare multiple companies. The right fit depends on your home value, driving profile and where you live within Tennessee.

What you need to know about bundling in Tennessee

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
State Farm offers the largest bundle discount in Tennessee, saving about 24%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Tennessee can significantly affect how much you save.
Bundling is often cheaper and more convenient, but it’s not always the best overall value.

Which companies offer the best home and auto bundles in Tennessee? Here’s our pick

Farm Bureau Insurance of Tennessee, State Farm and Auto-Owners rank among the best home and auto bundle companies in Tennessee, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Tennessee:

Farm Bureau Insurance of Tennessee

The average bundle discount at Farm Bureau Insurance of Tennessee is $394, or 8%. Most Farm Bureau Insurance of Tennessee policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $4,812.

State Farm

The average bundle discount at State Farm is $1,308, or 24%. For State Farm customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $5,485.

Auto-Owners

The average bundle discount at Auto-Owners is $695, or 13%. Bundling with Auto-Owners also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage is $5,323.

Travelers

The average bundle discount at Travelers is $410, or 8%. Before the discount, the average cost of home and auto insurance is $5,085.

Erie Insurance

The average bundle discount at Erie Insurance is $935, or 17%. The average combined rate before the discount is $5,624.

People also ask:

Who has the cheapest home and auto bundle in Tennessee?

State Farm has the cheapest home and auto bundle in Tennessee, with an average premium of $4,177.

How much can you save by bundling home and auto insurance in Tennessee?

Bundling home and auto insurance can save you around 17% on average, depending on the insurer. Actual savings may vary based on your policies, location, and eligibility for discounts.

How do home and auto bundle rates compare in Tennessee?

Home and auto bundle rates in Tennessee can vary significantly by insurer. Some companies offer lower base premiums, while others provide larger discounts, and the difference between providers can be substantial. Comparing both the final price and the discount is key to finding the best deal.

Here’s how rates and savings compare across top insurers in Tennessee:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Farm Bureau Insurance of Tennessee	A+	A+	$2,222	$2,590	0.00	0.08	$4,418	4.63
State Farm	A+	A+	$2,871	$2,614	0.87	1.15	$4,177	4.16
Auto-Owners	A+	A+	$2,301	$3,022	0.44	0.39	$4,628	4.10
Travelers	A++	A++	$1,591	$3,494	0.63	0.91	$4,675	3.87
Erie Insurance	A	A	$1,992	$3,632	0.77	0.46	$4,689	3.79
Farmers	A	A	$2,866	$3,634	1.24	0.89	$5,412	2.63

Bundle savings can vary more than you expect

Two companies can offer similar discounts but very different final premiums depending on their base rates. Always request the combined annual total for both policies after discounts – not just the discount percentage – before deciding where to bundle. The insurer with the loudest bundle offer isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Tennessee?

State Farm offers the cheapest home and auto bundle in Tennessee, with the lowest overall premium. If you’re looking to maximize savings through discounts, State Farm provides the highest percentage reduction.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest total cost or the largest discount.

Here’s how the cheapest bundle options compare in Tennessee:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,614	$2,871	$5,485	$4,177
Farm Bureau Insurance of Tennessee	$2,590	$2,222	$4,812	$4,418
Auto-Owners	$3,022	$2,301	$5,323	$4,628
Travelers	$3,494	$1,591	$5,085	$4,675
Erie Insurance	$3,632	$1,992	$5,624	$4,689
Farmers	$3,634	$2,866	$6,500	$5,412

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price, check three things: the liability limits, the deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t a better deal – it’s a more expensive one the moment you need to use it.

Which ZIP codes are most and least expensive in Tennessee?

The most expensive ZIP code for home and auto bundles in Tennessee is 38118, with average rates of $6,822, while the cheapest is 37664, where average premiums drop to $3,589. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten most expensive ZIP codes

The most expensive ZIP code in Tennessee for home and auto insurance bundling is 38118 at an average rate of $6,822.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
38118	$6,822	$1,066	14%
38122	$6,568	$1,007	13%
38115	$6,567	$1,006	13%
38141	$6,486	$996	13%
38132	$6,379	$973	13%
38127	$6,324	$989	14%
38116	$6,277	$985	14%
38126	$6,265	$983	14%
38131	$6,251	$947	13%
38128	$6,244	$974	13%

Top ten cheapest ZIP codes

The least expensive ZIP code in Tennessee for home and auto insurance bundling is 37664 at an average rate of $3,589.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
37664	$3,589	$546	13%
37663	$3,613	$553	13%
37665	$3,635	$557	13%
37660	$3,662	$556	13%
37922	$3,985	$603	13%
37932	$3,988	$606	13%
37918	$4,006	$609	13%
37923	$4,011	$609	13%
37764	$4,021	$625	13%
37914	$4,025	$617	13%

Your ZIP code can impact your rate more than your insurer

Location-based risks such as weather patterns, crime rates and rebuilding costs can create major price differences even within the same city. Two homes located less than a mile apart but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is standard, check whether your ZIP code is driving it up – and if you’re planning a move, get insurance quotes for your new address before committing.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Tennessee by city

See rates in your city

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. We also reviewed bundle discount percentages based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 6 companies and 125 ZIP codes.

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in Tennessee?

Bundling home and auto insurance in Tennessee can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.

Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.

“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?

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, compare total costs, coverage details, and the insurer’s reputation. Make sure the company is licensed and offers reliable claims support, as the cheapest option may not provide the best overall value (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. May 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in Tennessee? Here's our pick
How do home and auto bundle rates compare in Tennessee?
What is the cheapest home and auto bundles in Tennessee?
Which ZIP codes are most and least expensive in Tennessee?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Tennessee