Best and cheapest companies for home and auto bundles in Washington

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Washington insurers to help you find the carriers that offer the most affordable rates after bundling.

In Washington, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 22%.

PEMCO provides the lowest bundled rate in Washington, with an average cost of $1,762 for combining your home and auto policies.

Key Takeaways

In Washington, State Farm offers the biggest average discount of 22% 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 bundling

In 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 Washington

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 Washington.

State Farm

State Farm offers a 22% bundle discount, which amounts to an average savings of $660. The combined cost of home and auto insurance before the discount is $2,972, and after the discount, it drops to $2,312.

Allstate

The average bundle discount at Allstate is $593, or 19%. Without a bundle discount, customers pay $3,153 for coverage. After the bundle discount, customers pay $2,560 on average. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Nationwide

The average bundle discount at Nationwide is $409, or 15%. Without the bundle discount, the average cost of coverage is $2,771. After the bundle discount, that cost goes down to $2,362. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

Farmers Insurance

Farmers Insurance offers an average bundle discount of $341, which is about 9%. Without the discount, the combined cost of home and auto insurance is $3,929. After applying the discount, the total cost drops to $3,588.

Compare home and auto bundles in Washington

Bundling your home and auto insurance in Washington 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	$2,312	47	87.4	A++	22%	78.87
Allstate	$2,560	39	85	A+	19%	70.47
Nationwide	$2,362	42	86.6	A	15%	65.75
Farmers Insurance	$3,588	43	82	A	9%	49.85

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What company offers the cheapest home and auto bundle in Washington?

State Farm provides the largest discount on premiums for bundled insurance, while PEMCO offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
PEMCO	$915	$1,316	$2,231	$1,762
State Farm	$1,397	$1,575	$2,972	$2,312
Nationwide	$1,100	$1,671	$2,771	$2,362
Allstate	$891	$2,262	$3,153	$2,560
Farmers Insurance	$1,474	$2,455	$3,929	$3,588

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

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 Washington.

Most expensive ZIP codes

The ZIP code 98168 in Washington has the highest average cost for bundling home and auto insurance, at $2,898. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
98168	$2,898	17%
98144	$2,865	17%
98108	$2,852	17%
98118	$2,848	17%
98106	$2,848	17%
98126	$2,817	17%
98134	$2,809	17%
98178	$2,809	17%
98174	$2,801	17%
98132	$2,797	17%

Least expensive ZIP codes

The least expensive ZIP code in Washington for bundling home and auto insurance is 98221, with an average cost of $2,114. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
98221	$2,114	17%
98278	$2,118	17%
98277	$2,120	17%
98233	$2,150	17%
99212	$2,227	17%
99224	$2,246	17%
99102	$2,250	18%
99206	$2,250	17%
98626	$2,261	17%
99217	$2,264	17%

Frequently asked questions about bundling home and auto insurance

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

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 Washington?

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.