Best and cheapest companies for home and auto bundles in Virginia

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Bundling home and auto insurance in Virginia can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, Allstate offers the highest percentage savings, while Virginia Farm Bureau 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 Virginia.

What you need to know about bundling in Virginia

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
Allstate offers the largest bundle discount in Virginia, saving about 21%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Virginia 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 Virginia? Here’s our pick

Virginia Farm Bureau, Travelers and State Farm stand out as top home and auto bundle companies in Virginia, 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 Virginia:

Virginia Farm Bureau

The average bundle discount at Virginia Farm Bureau is $620, or 20%. Most Virginia Farm Bureau policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $3,070.

Travelers

The average bundle discount at Travelers is $357, or 10%. For policyholders who carry both home and auto with Travelers, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $3,613 for coverage.

State Farm

The average bundle discount at State Farm is $816, or 21%. Bundling with State Farm means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $3,835.

Erie Insurance

The average bundle discount at Erie Insurance is $611, or 12%. Without the bundle discount, the average rate for home and auto is $4,992.

Progressive

The average bundle discount at Progressive is $475, or 10%. Without the bundle discount, the average rate for home and auto is $4,976.

People also ask:

Who has the cheapest home and auto bundle in Virginia?

Virginia Farm Bureau typically provides the most affordable home and auto bundle in Virginia, with average premiums around $2,450.

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

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

How do home and auto bundle rates compare in Virginia?

Home and auto bundle rates in Virginia 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 Virginia:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Virginia Farm Bureau	A	A	$1,370	$1,700	0.19	0.18	$2,450	4.80
Travelers	A++	A++	$1,375	$2,238	0.63	0.91	$3,256	4.26
State Farm	A+	A+	$2,616	$1,219	0.87	1.15	$3,019	4.07
Erie Insurance	A	A	$1,791	$3,201	0.77	0.46	$4,381	3.72
Progressive	A+	A+	$2,508	$2,468	0.60	1.50	$4,501	3.50
Allstate	A+	A+	$4,189	$2,355	1.20	1.26	$5,153	3.08
Farmers	A	A	$4,931	$2,038	1.24	0.89	$6,077	2.73

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 Virginia?

Choose Virginia Farm Bureau if your priority is the lowest overall premium for a home and auto bundle in Virginia. If your goal is to unlock the highest discount percentage, Allstate is the stronger option.

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 choice depends on whether you prioritize the lowest final price or the largest discount.

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

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Virginia Farm Bureau	$1,700	$1,370	$3,070	$2,450
State Farm	$1,219	$2,616	$3,835	$3,019
Travelers	$2,238	$1,375	$3,613	$3,256
Erie Insurance	$3,201	$1,791	$4,992	$4,381
Progressive	$2,468	$2,508	$4,976	$4,501
Allstate	$2,355	$4,189	$6,544	$5,153
Farmers	$2,038	$4,931	$6,969	$6,077

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually 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, check three things: the liability limits, the 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 a better deal – it’s a more expensive one the moment you need to use it.

Which ZIP codes are most and least expensive in Virginia?

The most expensive ZIP code for bundled home and auto insurance in Virginia is 23459, with average rates of $5,796, while the least expensive is 22802, where premiums drop to $3,012. 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 Virginia for home and auto insurance bundling is 23459 at an average rate of $5,796.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
23459	$5,796	$984	15%
23461	$5,626	$948	14%
23451	$5,446	$923	14%
23457	$5,251	$917	15%
23454	$5,093	$875	15%
23460	$5,086	$869	15%
23503	$5,057	$857	14%
23511	$5,021	$843	14%
23456	$4,902	$853	15%
23518	$4,898	$841	15%

Top ten cheapest ZIP codes

The least expensive ZIP code in Virginia for home and auto insurance bundling is 22802 at an average rate of $3,012.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
22802	$3,012	$488	14%
22803	$3,016	$500	14%
22801	$3,028	$494	14%
22807	$3,129	$520	14%
22601	$3,169	$529	14%
24422	$3,173	$530	14%
22602	$3,176	$526	14%
24426	$3,209	$533	14%
24502	$3,220	$535	14%
24503	$3,236	$534	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.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Virginia by city

See rates in your city

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 7 companies and 127 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Virginia can help reduce costs and simplify policy management, 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 unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

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

Switching to a bundle is straightforward. Many people make the change when one of their policies is 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 old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. September 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 Virginia? Here's our pick
How do home and auto bundle rates compare in Virginia?
What is the cheapest home and auto bundles in Virginia?
Which ZIP codes are most and least expensive in Virginia?
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 Virginia