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: April 23, 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 Tennessee insurers to help you find the carriers that offer the most affordable rates after bundling.In Tennessee, 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 28%. State Farm provides the lowest bundled rate in Tennessee, with an average cost of $2,843 for combining your home and auto policies. 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 bundlingInsure.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 TennesseeInsure.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 Tennessee.State FarmThe average bundle discount at State Farm is $1,126, or 28%. Before the bundle discount is added, the average cost of home and auto insurance is $3,969. After getting a bundle discount, the cost drops to $2,843. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.Erie InsuranceThe average bundle discount at Erie Insurance is $853, or 18%. Without a bundle discount, customers pay $4,761 for coverage. After the bundle discount, customers pay $3,908 on average. Erie Insurance ranked at No. 1 in our Best Auto Insurance Companies ranking and No. 1 in the Best Home Insurance Companies ranking.Auto-OwnersBundling auto and home insurance with Auto-Owners can save an average of $468, or 13%. Without the discount, the coverage costs $3,691, but after the discount, it’s only $3,223.AllstateThe average bundle discount at Allstate is $727, or 16%. Before the discount is added, the average cost of home and auto insurance is $4,423. After adding the bundle discount, the average cost is $3,696. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and at No. 5 in the Best Home Insurance Companies ranking.Farmers InsuranceFarmers Insurance offers an average bundle discount of $743, or 15%. The average rate for coverage before the discount is $5,014, and with the discount, it’s reduced to $4,271.Compare home and auto bundles in TennesseeBundling your home and auto insurance in Tennessee 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$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%54.57What company offers the cheapest home and auto bundle in Tennessee?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$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$7,355Most and least expensive ZIP codes for home and auto insurance bundles in TennesseeThe ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Tennessee for bundling insurance.Most expensive ZIP codesThe most expensive ZIP code in Tennessee for home and auto insurance bundling is 38127 at an average rate of $5,524. See the 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%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% 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 The best, cheapest car insurance in TennesseeCheapest car insurance in TennesseeTennessee car insurance calculatorNon-owner auto insurance in Tennessee: Which company has the cheapest rates?Cheapest SR-22 insurance in Tennessee 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/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris 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. 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Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims 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 TennesseeCompare home and auto bundles in TennesseeWhat company offers the cheapest home and auto bundle 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