Best and cheapest companies for home and auto bundles in Utah

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Bundling your home and auto insurance in Utah 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 Nationwide 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 Utah.

What you need to know about bundling in Utah

Bundling allows you to purchase home and auto insurance from the same company and receive a discount on your policies.
State Farm has the highest bundle discount in Utah, averaging 23%
The largest discount doesn’t always lead to the lowest total premium
Your ZIP code within Utah can significantly impact your savings
Bundling is often more convenient and can save money, but it’s not always the cheapest option

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

Nationwide, American Family and Auto-Owners stand out as top home and auto bundle companies in Utah, offering competitive pricing, solid discounts and strong performance in both auto and home insurance rankings. The best option for you depends on whether you prioritize maximum savings or the lowest overall cost.

We ranked insurers based on their average bundle discounts in both dollar and percentage terms, along with their rankings in home and auto insurance. Based on those criteria, these are the best bundling companies in Utah:

Nationwide

The average bundle discount at Nationwide is $629, or 19%. Nationwide makes bundling home and auto policies available to most customers, with a relatively simple qualification process. The average combined rate before the discount is $3,371.

American Family

The average bundle discount at American Family is $323, or 7%. Customers who bundle home and auto with American Family receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $4,334.

Auto-Owners

The average bundle discount at Auto-Owners is $827, or 14%. Bundling with Auto-Owners means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $5,783.

Farmers

The average bundle discount at Farmers is $1,014, or 21%. The average combined rate before the discount is $4,927.

State Farm

The average bundle discount at State Farm is $1,534, or 23%. Before the discount, customers see average rates of $6,580.

People also ask:

Who has the cheapest home and auto bundle in Utah?

Nationwide typically provides the most affordable home and auto bundle in Utah, with average premiums around $2,742.

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

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

How do home and auto bundle rates compare in Utah?

Home and auto bundle rates in Utah can vary widely by insurer. Some companies offer lower starting premiums, while others provide larger discounts, and the difference between providers can be significant. Comparing both the final cost and the discount is essential to finding the best deal.

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

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Nationwide	A	A	$1,338	$2,033	0.64	1.34	$2,742	4.26
American Family	A	A	$2,799	$1,535	0.67	1.07	$4,011	3.59
Auto-Owners	A+	A+	$2,283	$3,500	0.44	0.39	$4,956	3.55
Farmers	A	A	$3,263	$1,664	1.24	0.89	$3,913	3.42
State Farm	A+	A+	$4,952	$1,628	0.87	1.15	$5,046	2.91
USAA*	A++	A++	$1,622	$1,522	1.16	0.46	$2,910	4.47

*USAA is only available to military community members and their families.

Bundle savings can vary more than you expect

Two insurers may advertise similar discounts but still produce very different final premiums depending on their starting rates. Always ask for the total combined annual cost of both policies after discounts are applied – not just the discount percentage – before deciding where to bundle. The company with the biggest advertised savings isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Utah?

Nationwide offers the cheapest home and auto bundle in Utah, 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 Utah:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Nationwide	$2,033	$1,338	$3,371	$2,742
Farmers	$1,664	$3,263	$4,927	$3,913
American Family	$1,535	$2,799	$4,334	$4,011
Auto-Owners	$3,500	$2,283	$5,783	$4,956
State Farm	$1,628	$4,952	$6,580	$5,046
USAA*	$1,522	$1,622	$3,144	$2,910

*USAA is only available to military community members and their families.

Cheapest doesn’t always mean best value

Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you 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 alone, review three key elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk.

Which ZIP codes are most and least expensive in Utah?

The most expensive ZIP code for home and auto bundles in Utah is 84118, with average rates of $4,334, while the cheapest is 84737, where average premiums drop to $3,549. 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 Utah for home and auto insurance bundling is 84118 at an average rate of $4,334.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
84118	$4,334	$697	14%
84401	$4,293	$693	14%
84064	$4,248	$687	14%
84119	$4,231	$682	14%
84120	$4,213	$687	14%
84132	$4,211	$659	14%
84104	$4,205	$684	14%
84180	$4,185	$670	14%
84128	$4,177	$680	14%
84129	$4,169	$679	14%

Top ten cheapest ZIP codes

The least expensive ZIP code in Utah for home and auto insurance bundling is 84737 at an average rate of $3,549.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
84737	$3,549	$574	14%
84501	$3,563	$577	14%
84631	$3,611	$583	14%
84513	$3,617	$586	14%
84515	$3,623	$579	14%
84713	$3,689	$596	14%
84325	$3,698	$619	14%
84301	$3,737	$617	14%
84628	$3,739	$625	14%
84066	$3,743	$610	14%

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 Utah by city

See rates in your city

Santa Clara

South Jordan

West Jordan

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed 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 57 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Utah can help reduce costs and simplify policy management, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in Utah?

Switching to a bundle is straightforward. Many people make the change when one of their policies is up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 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 Utah? Here's our pick
How do home and auto bundle rates compare in Utah?
What is the cheapest home and auto bundles in Utah?
Which ZIP codes are most and least expensive in Utah?
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 Utah