Best and cheapest companies for home and auto bundles in Utah

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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 Utah 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 Utah when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 23%.

Meanwhile, Nationwide offers the cheapest overall rate when you bundle with the company in Utah. On average, you will pay $1,972 when you bundle.

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 an average bundle discount of $639, which is a 23% savings on your premiums. Before the discount, the combined home and auto insurance cost is $2,743, and after applying the bundle discount, the total cost drops to $2,104.

Nationwide

The average bundle discount at Nationwide is $307, or 14%. Without a bundle discount, customers pay $2,279 for coverage. After the bundle discount, customers pay $1,972 on average. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

Farmers Insurance

Farmers Insurance offers an average discount of $708 when you bundle your auto and home insurance, which is about 20%. Without the discount, the average cost is $3,579, but with the discount, it drops to $2,871.

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 bundles in Utah?

State Farm offers the biggest percentage discount if you bundle. Nationwide offers the cheapest rate overall if 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

Where 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 Utah for policyholders who bundle their coverage:

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 home and auto bundle insurance

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

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 Utah?

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.