Best and cheapest companies for home and auto bundles in Utah

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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 Utah 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 Utah when you bundle your policies. By choosing this insurer, you can save an average of 23% on your home and auto bundle.

On the other hand, Nationwide provides the lowest overall rate for bundling in Utah. When you bundle your policies, you can expect to pay an average of $1,972.

Key Takeaways

In Utah, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 23%.
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

In 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 Utah

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 Utah for home and auto bundling.

State Farm

State Farm offers a 23% bundle discount, which amounts to an average savings of $639. The combined cost of home and auto insurance before the discount is $2,743, and after the discount, it drops to $2,104.

Nationwide

Nationwide offers an average bundle discount of $307, or 14%. Before the bundle discount, you’ll pay an average of $2,279, which will decrease to $1,972 after the discount is applied.

Farmers Insurance

The average bundle discount at Farmers Insurance is $708, or 20%. Without the bundle discount, the average cost of coverage is $3,579. After the bundle discount, that cost goes down to $2,871. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and No. 8 in the Best Home Insurance Companies ranking.

Auto-Owners

The average bundle discount at Auto-Owners is $437, which is a 14% savings. The cost of home and auto insurance before the discount is $3,171, but it lowers to $2,734 after applying the discount.

American Family

American Family provides an average bundle discount of $308, or 10%. Before the discount, the average cost for coverage is $2,951. After applying the discount, the cost comes down to $2,643.

Compare home and auto bundles in Utah

Bundling your home and auto insurance in Utah can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$2,104	47	87.4	A++	23%	80.49
Nationwide	$1,972	42	86.6	A	14%	66.5
Farmers Insurance	$2,871	43	82	A	20%	63.31
Auto-Owners	$2,734	49	81.2	A++	14%	60.07
American Family	$2,643	50	85	A	10%	54.16

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What company offers the cheapest home and auto bundle in Utah?

State Farm provides the largest discount on premiums for bundled insurance, while Nationwide offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Nationwide	$1,120	$1,159	$2,279	$1,972
State Farm	$1,088	$1,655	$2,743	$2,104
American Family	$1,028	$1,923	$2,951	$2,643
Auto-Owners	$1,516	$1,655	$3,171	$2,734
Farmers Insurance	$1,284	$2,295	$3,579	$2,871

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

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 Utah.

Most expensive ZIP codes

The most expensive ZIP code in Utah for home and auto insurance bundling is 84180 at an average rate of $2,717. See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
84180	$2,717	16%
84133	$2,649	16%
84138	$2,635	16%
84119	$2,607	16%
84104	$2,601	16%
84132	$2,593	16%
84115	$2,591	16%
84120	$2,589	16%
84101	$2,588	16%
84128	$2,584	16%

Least expensive ZIP codes

The least expensive ZIP code in Utah for home and auto insurance bundling is 84737 at an average rate of $2,184. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
84737	$2,184	16%
84624	$2,237	17%
84631	$2,247	17%
84515	$2,248	17%
84501	$2,275	17%
84713	$2,276	17%
84513	$2,279	17%
84301	$2,328	16%
84001	$2,329	16%
84723	$2,329	16%

Frequently asked questions about bundling home and auto insurance

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

Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.

However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.

It’s also possible that a company has the right coverage for one type of insurance but not for the other.

Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.

“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 Utah?

Switching to a bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.

However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.

But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered.

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.