Best and cheapest companies for home and auto bundles in Virginia

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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 Virginia 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 Virginia when you bundle your policies. By choosing this insurer, you can save an average of 24% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Virginia. When you bundle your policies, you can expect to pay an average of $1,995.

Key Takeaways

In Virginia, State Farm is the best home and auto bundle insurance provider, offering an average discount of 24%.
Some companies offer bigger savings for bundling than others, so it pays to shop around.
Where you live within the state will impact how much you can save by bundling.
Bundling usually makes sense, but there are situations where this might not be the case.

How we picked the best companies for home and auto bundling

In 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Virginia

We 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 Farm

State 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.

Allstate

Allstate offers an average discount of $966 when you bundle your auto and home insurance, which is about 21%. Without the discount, the average cost is $4,631, but with the discount, the price drops to $3,665.

Erie Insurance

Bundling 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.

Nationwide

Nationwide offers an average bundle discount of $484, which is about 18%. Without the discount, the combined cost of home and auto insurance is $2,751. After applying the discount, the total cost drops to $2,267.

Progressive

The average bundle discount at Progressive is $397, or 11%. Before getting a bundle discount, customers see average rates of $3,489 for coverage. With the bundle discount, customers see average rates of $3,092. Progressive ranked at No. 8 in our Best Auto Insurance Companies ranking and No. 10 in the Best Home Insurance Companies ranking.

Compare home and auto bundles in Virginia

The amount you can save on home and auto insurance with a bundle in Virginia varies by company. Here is a breakdown of the rates and savings with top companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$1,995	47	87.4	A++	24%	82.03
Allstate	$3,665	39	85	A+	21%	70.22
Erie Insurance	$2,777	73	93.2	A+	14%	70.11
Nationwide	$2,267	42	86.6	A	18%	69.75
Progressive	$3,092	48	86.6	A+	11%	60.09
Travelers	$5,619	44	83.6	A++	11%	52.82

What company offers the cheapest home and auto bundles in Virginia?

State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,415	$1,216	$2,631	$1,995
Virginia Farm Bureau	$1,241	$1,343	$2,584	$2,160
Nationwide	$1,565	$1,186	$2,751	$2,267
Erie Insurance	$1,950	$1,272	$3,222	$2,777
Progressive	$1,370	$2,119	$3,489	$3,092
Allstate	$1,709	$2,922	$4,631	$3,665
Travelers	$5,105	$1,194	$6,299	$5,619

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

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 Virginia for bundling insurance.

Most expensive ZIP codes

The 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 code	Average auto and home after discount	Average difference
23459	$4,667	15%
23461	$4,543	15%
23457	$4,410	16%
23451	$4,245	15%
23511	$4,031	16%
23454	$3,988	15%
23521	$3,938	16%
23460	$3,928	16%
23453	$3,923	16%
23503	$3,916	16%

Least expensive ZIP codes

The least expensive ZIP code in Virginia for home and auto insurance bundling is 22803 at an average rate of $2,403. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
22803	$2,403	17%
22802	$2,430	17%
22801	$2,439	17%
22807	$2,457	17%
24401	$2,529	17%
22201	$2,542	17%
22203	$2,555	16%
22601	$2,576	17%
24416	$2,584	17%
24422	$2,593	17%

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.

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.

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

Arkansas$3,119/Year

California$2,866/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Idaho$1,993/Year

Illinois$2,678/Year

Indiana$2,437/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Mississippi$3,255/Year

Missouri$3,393/Year

Montana$3,188/Year

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Ohio$2,229/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Carolina$2,766/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Utah$1,972/Year

Vermont$1,553/Year

Washington$1,762/Year

Washington, D.C.$2,506/Year

West Virginia$2,361/Year

Wisconsin$2,083/Year

Wyoming$2,619/Year

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in Virginia
Compare home and auto bundles in Virginia
What company offers the cheapest home and auto bundles in Virginia?
Most and least expensive ZIP codes for home and auto insurance bundles in Virginia
Frequently asked questions about bundling home and auto insurance
Methodology