Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Washington D.C. Best and cheapest companies for home and auto bundles in Washington D.C. State Farm has the biggest auto and home bundling discount in Washington, D.C. at an average of 24%, and also has the cheapest overall bundled rate at an average of $2,506 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell 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. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: April 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Washington, D.C. insurers to help you find the carriers that offer the most affordable rates after bundling.In Washington, D.C., 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 24%. State Farm provides the lowest bundled rate in Washington, D.C., with an average cost of $2,506 for combining your home and auto policies. Key Takeaways In Washington, D.C., State Farm offers the biggest average discount of 24% 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 bundlingInsure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.Our recommendation for the best home and auto bundles in Washington, D.C.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, D.C. for home and auto bundling.State FarmThe average bundle discount at State Farm is $771, or 24%. Before the bundle discount is added, the average cost of home and auto insurance is $3,277. After getting a bundle discount, the cost drops to $2,506. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.NationwideThe average bundle discount at Nationwide is $567, or 14%. Without a bundle discount, customers pay $4,171 for coverage. After the bundle discount, customers pay $3,604 on average. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.AllstateThe average bundle discount at Allstate is $882, or 15%. Without the bundle discount, the average cost of coverage is $5,828. After the bundle discount, that cost goes down to $4,946. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.Compare home and auto bundles in Washington, D.C.Bundling your home and auto insurance in Washington, D.C. 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$2,506 4787.4A++24%82.03Nationwide$3,604 4286.6A14%62.96Allstate$4,946 3985A+15%58.76What company offers the cheapest home and auto bundles in Washington, D.C.?State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleUSAA$1,128$1,257$2,385$2,185State Farm$1,436$1,841$3,277$2,506Nationwide$1,621$2,550$4,171$3,604Allstate$1,185$4,643$5,828$4,946Most and least expensive ZIP codes for home and auto insurance bundles in Washington, D.C.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, D.C. for bundling insurance.Most expensive ZIP codesThe most expensive ZIP code in Washington, D.C. for bundling home and auto insurance is 20500, with an average cost of $3,310. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference20500$3,31015%20398$3,31015%20391$3,31015%20388$3,31015%20376$3,31015%20374$3,31015%20373$3,31015%20317$3,31015%20260$3,31015%20064$3,31015%Least expensive ZIP codesThe most affordable ZIP code in Washington, D.C. for bundling home and auto insurance is 20001, with an average rate of $3,310. Below are the 10 least expensive ZIP codes.ZIP codeAverage auto and home after discountAverage difference20001$3,31015%20002$3,31015%20003$3,31015%20004$3,31015%20005$3,31015%20006$3,31015%20007$3,31015%20008$3,31015%20009$3,31015%20010$3,31015% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Washington, D.C.? 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, D.C.? 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. MethodologyInsure.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. You might find interesting The best, cheapest car insurance in Washington D.C.Cheapest car insurance in Washington DCWashington D.C. car insurance calculatorCheapest SR-22 insurance in Washington D.C. How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in Washington, D.C.Compare home and auto bundles in Washington, D.C.What company offers the cheapest home and auto bundles in Washington, D.C.?Most and least expensive ZIP codes for home and auto insurance bundles in Washington, D.C.Frequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates