Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Virginia Best and cheapest companies for home and auto bundles in Virginia State Farm has the biggest auto and home bundling discount in Virginia at an average of 24%, and also has the cheapest overall bundled rate at an average of $1,995 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell 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. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: April 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Virginia to determine which will give you the biggest price break when you purchase multiple types of coverage.State Farm offers the biggest percentage break on your home and auto premiums in Virginia when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 24%. Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Virginia. On average, you will pay $1,995 when you bundle. Key Takeaways In Virginia, State Farm offers the biggest average discount of 24% 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 bundlingIn 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 VirginiaWe ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Virginia.State FarmState Farm offers an average bundle discount of $636, which is a 24% savings on your premiums. Before the discount, the combined home and auto insurance cost is $2,631, and after applying the bundle discount, the total cost drops to $1,995.AllstateThe average bundle discount at Allstate is $966, or 21%. Without a bundle discount, customers pay $4,631 for coverage. After the bundle discount, customers pay $3,665 on average. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.Erie InsuranceBundling auto and home insurance with Erie Insurance can save an average of $445, or 14%. Without the discount, the coverage costs $3,222, but after the discount, it’s only $2,777.NationwideThe average bundle discount at Nationwide is $484, which is a 18% savings. The cost of home and auto insurance before the discount is $2,751, but it lowers to $2,267 after applying the discount.ProgressiveProgressive offers an average bundle discount of $397, or 11%. The average rate for coverage before the discount is $3,489, and with the discount, it’s reduced to $3,092.Compare home and auto bundles in VirginiaBundling your home and auto insurance in Virginia 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$1,995 4787.4A++24%82.03Allstate$3,665 3985A+21%70.22Erie Insurance$2,777 7393.2A+14%70.11Nationwide$2,267 4286.6A18%69.75Progressive$3,092 4886.6A+11%60.09Travelers$5,619 4483.6A++11%52.82What company offers the cheapest home and auto bundles in Virginia?If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$1,415$1,216$2,631$1,995Virginia Farm Bureau$1,241$1,343$2,584$2,160Nationwide$1,565$1,186$2,751$2,267Erie Insurance$1,950$1,272$3,222$2,777Progressive$1,370$2,119$3,489$3,092Allstate$1,709$2,922$4,631$3,665Travelers$5,105$1,194$6,299$5,619Most and least expensive ZIP codes for home and auto insurance bundles in VirginiaThe 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 Virginia for bundling insurance.Most expensive ZIP codesThe most expensive ZIP code in Virginia for home and auto insurance bundling is 23459 at an average rate of $4,667. See the 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference23459$4,66715%23461$4,54315%23457$4,41016%23451$4,24515%23511$4,03116%23454$3,98815%23521$3,93816%23460$3,92816%23453$3,92316%23503$3,91616%Least expensive ZIP codesThe most affordable ZIP code in Virginia for bundling home and auto insurance is 22803, with an average rate of $2,403. Below are the 10 least expensive ZIP codes.ZIP codeAverage auto and home after discountAverage difference22803$2,40317%22802$2,43017%22801$2,43917%22807$2,45717%24401$2,52917%22201$2,54217%22203$2,55516%22601$2,57617%24416$2,58417%24422$2,59317% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Virginia? Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.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 Virginia? Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage. MethodologyInsure.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. You might find interesting The best, cheapest car insurance in VirginiaCheapest car insurance in VirginiaVirginia car insurance calculatorNon-owner auto insurance in Virginia: Which company has the cheapest rates?Cheapest SR-22 insurance in Virginia How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearWashington$1,762/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing 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. 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Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in VirginiaCompare home and auto bundles in VirginiaWhat company offers the cheapest home and auto bundles in Virginia?Most and least expensive ZIP codes for home and auto insurance bundles in VirginiaFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates