Best and cheapest companies for home and auto bundles in Virginia

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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 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

The 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 Insurance

The average bundle discount at Erie Insurance is $445, or 14%. Without the bundle discount, the average cost of coverage is $3,222. After the bundle discount, that cost goes down to $2,777. Erie Insurance ranked at No. 1 in our Best Auto Insurance Companies ranking and No. 1 in the Best Home Insurance Companies ranking.

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

Progressive provides an average bundle discount of $397, or 11%. Before the discount, the average cost for coverage is $3,489. After applying the discount, the cost comes down to $3,092.

Compare home and auto bundles in Virginia

Bundling 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.

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

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What 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.

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

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 Virginia.

Most expensive ZIP codes

The ZIP code 23459 in Virginia has the highest average cost for bundling home and auto insurance, at $4,667. See the top 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 can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.

However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.

It’s also possible that a company has the right coverage for one type of insurance but not for the other.

Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.

“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?

Switching to a bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.

However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.

But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered.

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.