Best and cheapest companies for home and auto bundles in Vermont

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Bundling home and auto insurance in Vermont can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, State Farm provides the highest percentage savings, while Union Mutual offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within Vermont.

What you need to know about bundling in Vermont

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
State Farm offers the largest bundle discount in Vermont, saving about 25%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Vermont can significantly affect how much you save.
Bundling is often cheaper and more convenient, but it’s not always the best overall value.

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

State Farm, Auto-Owners and Vermont Mutual stand out as top home and auto bundle companies in Vermont, 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 Vermont:

State Farm

The average bundle discount at State Farm is $648, or 25%. State Farm offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $2,555.

Auto-Owners

The average bundle discount at Auto-Owners is $269, or 11%. For Auto-Owners customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $2,384.

Vermont Mutual

The average bundle discount at Vermont Mutual is $513, or 20%. Policyholders who bundle with Vermont Mutual manage both policies together, with one renewal date and a single team handling any claims. Without the bundle discount, the average rate for home and auto is $2,575.

Union Mutual

The average bundle discount at Union Mutual is $337, or 16%. Before the discount, the average cost of home and auto insurance is $2,158.

Co-operative Insurance Companies

The average bundle discount at Co-operative Insurance Companies is $338, or 10%. Before the discount, customers see average rates of $3,353.

People also ask:

Who has the cheapest home and auto bundle in Vermont?

Union Mutual has the cheapest home and auto bundle in Vermont, with an average premium of $1,821.

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

Bundling home and auto insurance can save you around 17% on average, depending on the insurer. Actual savings may vary based on your policies, location, and eligibility for discounts.

How do home and auto bundle rates compare in Vermont?

Home and auto bundle rates in Vermont can vary significantly by insurer. Some companies offer lower base premiums, while others provide larger discounts, and the difference between providers can be substantial. Comparing both the final price and the discount is key to finding the best deal.

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

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A+	$1,308	$1,247	0.87	1.15	$1,907	4.45
Auto-Owners	A+	A+	$1,470	$914	0.44	0.39	$2,115	4.38
Vermont Mutual	A	A	$1,815	$760	0.53	0.06	$2,062	4.32
Union Mutual	A	A	$1,068	$1,090	0.48	17.36	$1,821	4.19
Co-operative Insurance Companies	A	A	$2,079	$1,274	0.00	0.00	$3,015	3.40
Allstate	A+	A+	$2,568	$917	1.20	1.26	$2,705	3.39

Bundle savings can vary more than you expect

Two companies can offer similar discounts but very different final premiums depending on their base rates. Always request the combined annual total for both policies after discounts – not just the discount percentage – before deciding where to bundle. The insurer with the loudest bundle offer isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Vermont?

Union Mutual is the most affordable option for home and auto bundles in Vermont, based on total premium. On the other hand, State Farm is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

Here’s how the cheapest bundle options compare in Vermont:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Union Mutual	$1,090	$1,068	$2,158	$1,821
State Farm	$1,247	$1,308	$2,555	$1,907
Vermont Mutual	$760	$1,815	$2,575	$2,062
Auto-Owners	$914	$1,470	$2,384	$2,115
Allstate	$917	$2,568	$3,485	$2,705
Co-operative Insurance Companies	$1,274	$2,079	$3,353	$3,015

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or exclusions that leave you exposed when you need to 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 factors: liability limits, deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t actually a better deal – it becomes more expensive the moment you need to use it.

Which ZIP codes are most and least expensive in Vermont?

The most expensive ZIP code for home and auto bundles in Vermont is 5360, with average rates of $2,368, while the cheapest is 5403, where premiums drop to $2,138. Rates can vary widely due to differences in risk, property values and local claims data.

Where you live plays a major role in your insurance costs, affecting both base premiums and available discounts.

Top ten most expensive ZIP codes

The most expensive ZIP code in Vermont for home and auto insurance bundling is 5360 at an average rate of $2,368.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
5360	$2,368	$391	14%
5079	$2,364	$388	14%
5355	$2,352	$390	14%
5363	$2,352	$389	14%
5829	$2,352	$381	14%
5069	$2,349	$381	14%
5843	$2,345	$375	14%
5039	$2,342	$381	14%
5261	$2,332	$382	14%
5464	$2,332	$382	14%

Top ten cheapest ZIP codes

The least expensive ZIP code in Vermont for home and auto insurance bundling is 5403 at an average rate of $2,138.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
5403	$2,138	$347	14%
5401	$2,163	$355	14%
5408	$2,167	$356	14%
5641	$2,170	$344	14%
5405	$2,173	$357	14%
5602	$2,192	$355	14%
5701	$2,264	$372	14%
5478	$2,275	$376	14%
5491	$2,281	$370	14%
5454	$2,283	$372	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.

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. We also reviewed bundle discount percentages 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 27 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Vermont can help reduce costs and make policy management easier, 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 separate quotes. Coverage can also vary, so make sure both policies meet your needs before combining them.

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

Switching to a bundle is straightforward and often happens when one policy comes 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 current one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, check the total cost, coverage details, and the insurer’s reputation. It’s important to choose a licensed company with dependable claims handling, since the lowest price may not always offer the best protection (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 Vermont? Here's our pick
How do home and auto bundle rates compare in Vermont?
What is the cheapest home and auto bundles in Vermont?
Which ZIP codes are most and least expensive in Vermont?
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 Vermont