Best and cheapest companies for home and auto bundles in Washington

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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 Washington 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 Washington when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 22%.

Meanwhile, PEMCO offers the cheapest overall rate when you bundle with the company in Washington. On average, you will pay $1,762 when you bundle.

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 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 Washington

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Washington for home and auto bundling.

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

Allstate offers an average discount of $593 when you bundle your auto and home insurance, which is about 19%. Without the discount, the average cost is $3,153, but with the discount, the price drops to $2,560.

Nationwide

Nationwide offers an average discount of $409 when you bundle your auto and home insurance, which is about 15%. Without the discount, the average cost is $2,771, but with the discount, it drops to $2,362.

Farmers Insurance

The average bundle discount at Farmers Insurance is $341, or 9%. Before the discount is added, the average cost of home and auto insurance is $3,929. After adding the bundle discount, the average cost is $3,588. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and at No. 8 in the Best Home Insurance Companies ranking.

Compare home and auto bundles in Washington

The amount you can save on home and auto insurance with a bundle in Washington 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	$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

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

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 Washington for bundling insurance.

Most expensive ZIP codes

The most expensive ZIP code in Washington for home and auto insurance bundling is 98168 at an average rate of $2,898. See the 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 most affordable ZIP code in Washington for bundling home and auto insurance is 98221, with an average rate of $2,114. Below are the 10 least expensive 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.