Best and cheapest companies for home and auto bundles in Vermont

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Vermont insurers to help you find the carriers that offer the most affordable rates after bundling.

In Vermont, 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 26%.

Auto-Owners provides the lowest bundled rate in Vermont, with an average cost of $1,553 for combining your home and auto policies.

Key Takeaways

In Vermont, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 26%.
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 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

Insure.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 Vermont.

State Farm

State Farm offers a 26% bundle discount, which amounts to an average savings of $532. The combined cost of home and auto insurance before the discount is $2,085, and after the discount, it drops to $1,553.

Allstate

The average bundle discount at Allstate is $686, or 22%. Without a bundle discount, customers pay $3,167 for coverage. After the bundle discount, customers pay $2,481 on average. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Auto-Owners

The average bundle discount at Auto-Owners is $236, or 13%. Without the bundle discount, the average cost of coverage is $1,789. After the bundle discount, that cost goes down to $1,553. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and No. 3 in the Best Home Insurance Companies ranking.

Compare home and auto bundles in Vermont

Bundling your home and auto insurance in Vermont 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	$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 bundles in Vermont?

If you bundle your policies, State Farm gives you the highest discount. Auto-Owners has the lowest overall rate for bundling.

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

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 Vermont.

Most expensive ZIP codes

The most expensive ZIP code in Vermont for bundling home and auto insurance is 5464, with an average cost of $2,038. Here are the 10 most expensive ZIP codes:

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 bundling home and auto insurance is 5403, with an average cost of $1,888. Here are the 10 cheapest ZIP codes:

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.