Best and cheapest companies for home and auto bundles in Vermont

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Bundling home and auto insurance in Vermont can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, State Farm offers the highest percentage savings, while Union Mutual delivers the cheapest bundled rates.

Insurance companies vary widely in how they price bundles, so comparing multiple providers is key. 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

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 Vermont, averaging 25%
The largest discount doesn’t always lead to the lowest total premium
Your ZIP code within Vermont 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 Vermont? Here’s our pick

State Farm, Auto-Owners and Vermont Mutual are among the best home and auto bundle companies in Vermont, offering strong discounts, competitive bundled rates and high rankings for both auto and home insurance. The right choice for you will depend on whether you prioritize the biggest discount or the lowest final premium.

We ranked companies based on the average bundle discount they offer in both dollar and percentage terms, along with their performance in auto and home insurance rankings. Based on those criteria, these are the best companies for bundling in Vermont:

State Farm

The average bundle discount at State Farm is $648, or 25%. State Farm makes bundling home and auto policies available to most customers, with a relatively simple qualification process. The average combined rate before the discount is $2,555.

Auto-Owners

The average bundle discount at Auto-Owners is $269, or 11%. Customers who bundle home and auto with Auto-Owners receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $2,384.

Vermont Mutual

The average bundle discount at Vermont Mutual is $513, or 20%. Bundling with Vermont Mutual also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage 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%. The average combined rate before the discount is $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 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 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 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 Vermont?

Union Mutual offers the cheapest home and auto bundle in Vermont, 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 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

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 Vermont?

The most expensive ZIP code for bundled home and auto insurance in Vermont is 5360, with average rates of $2,368, while the least expensive is 5403, where premiums drop to $2,138. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing 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 like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

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 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. May 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