Best and cheapest companies for home and auto bundles in Vermont

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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 Vermont 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 Vermont when you bundle your policies. By choosing this insurer, you can save an average of 26% on your home and auto bundle.

On the other hand, Auto-Owners provides the lowest overall rate for bundling in Vermont. When you bundle your policies, you can expect to pay an average of $1,553.

Key Takeaways

In Vermont, State Farm offers the biggest average discount of 26% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

How we picked the best companies for home and auto bundling

In 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre and post bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Vermont

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 Vermont for home and auto bundling.

State Farm

State Farm offers an average bundle discount of $532, which is a 26% savings on your premiums. Before the discount, the combined home and auto insurance cost is $2,085, and after applying the bundle discount, the total cost drops to $1,553.

Allstate

Allstate offers an average discount of $686 when you bundle your auto and home insurance, which is about 22%. Without the discount, the average cost is $3,167, but with the discount, the price drops to $2,481.

Auto-Owners

Bundling auto and home insurance with Auto-Owners can save an average of $236, or 13%. Without the discount, the coverage costs $1,789, but after the discount, it’s only $1,553.

Compare home and auto bundles in Vermont

Bundling your home and auto insurance in Vermont 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.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$1,553	47	87.4	A++	26%	82.03
Allstate	$2,481	39	85	A+	22%	67.22
Auto-Owners	$1,553	49	81.2	A++	13%	66.87

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

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

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Auto-Owners	$742	$1,047	$1,789	$1,553
State Farm	$1,237	$848	$2,085	$1,553
Union Mutual	$992	$917	$1,909	$1,596
Vermont Mutual	$693	$1,547	$2,240	$1,797
Allstate	$790	$2,377	$3,167	$2,481
Co-operative Insurance	$1,397	$1,757	$3,154	$2,852

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

The 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 Vermont for bundling insurance.

Most expensive ZIP codes

The ZIP code 5464 in Vermont has the highest average cost for bundling home and auto insurance, at $2,038. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
5464	$2,038	18%
5079	$2,024	18%
5360	$2,017	18%
5363	$2,011	18%
5251	$2,011	18%
5454	$2,010	18%
5261	$2,009	18%
5355	$2,003	18%
5101	$1,996	18%
5345	$1,995	18%

Least expensive ZIP codes

The least expensive ZIP code in Vermont for home and auto insurance bundling is 5403 at an average rate of $1,888. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
5403	$1,888	18%
5641	$1,895	18%
5602	$1,914	18%
5408	$1,914	18%
5401	$1,917	18%
5478	$1,936	18%
5405	$1,943	18%
5843	$1,953	18%
5821	$1,954	18%
5491	$1,960	18%

Frequently asked questions about home and auto bundle insurance

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

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 Vermont?

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.