Best and cheapest companies for home and auto bundles in Washington D.C.

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Bundling home and auto insurance in Washington, D.C. can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, State Farm provides the highest percentage savings, while State Farm offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within Washington, D.C..

What you need to know about bundling in Washington, D.C.

Bundling allows you to purchase home and auto insurance from the same company and receive a discount on your policies.
State Farm has the highest bundle discount in Washington, D.C., averaging 22%
The largest discount doesn’t always lead to the lowest total premium
Your ZIP code within Washington, D.C. can significantly impact your savings
Bundling is often more convenient and can save money, but it’s not always the cheapest option

Which companies offer the best home and auto bundles in Washington, D.C.? Here’s our pick

State Farm, Allstate and USAA are among the best home and auto bundle companies in Washington, D.C., offering strong discounts, competitive bundled rates and high rankings for both auto and home insurance. The right choice for you will depend on whether you prioritize the biggest discount or the lowest final premium.

We ranked companies based on the average bundle discount they offer in both dollar and percentage terms, along with their performance in auto and home insurance rankings. Based on those criteria, these are the best companies for bundling in Washington, D.C.:

State Farm

The average bundle discount at State Farm is $1,166, or 22%. State Farm makes bundling home and auto policies available to most customers, with a relatively simple qualification process. The average combined rate before the discount is $5,375.

Allstate

The average bundle discount at Allstate is $1,159, or 15%. For Allstate customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $7,879.

USAA

The average bundle discount at USAA is $225, or 9%. Policyholders who bundle with USAA manage both policies together, with one renewal date and a single team handling any claims. Without the bundle discount, the average rate for home and auto is $2,400.

People also ask:

Who has the cheapest home and auto bundle in Washington, D.C.?

In Washington, D.C., State Farm offers the cheapest rates for home and auto bundle, with an average premium of $4,209.

How much can you save by bundling home and auto insurance in Washington, D.C.?

On average, bundling home and auto insurance can save you about 17%, though your exact savings will depend on your coverage, location, and eligibility for discounts.

How do home and auto bundle rates compare in Washington, D.C.?

Home and auto bundle rates in Washington, D.C. 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 Washington, D.C.:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A+	$4,038	$1,337	0.87	1.15	$4,209	4.90
Allstate	A+	A+	$5,936	$1,943	1.20	1.26	$6,720	2.62
USAA*	A++	A++	$1,230	$1,170	1.16	0.46	$2,175	4.61

*USAA is only available to military community members and their families.

Bundle savings can vary more than you expect

Two insurers may advertise similar discounts but still produce very different final premiums depending on their starting rates. Always ask for the total combined annual cost of both policies after discounts are applied – not just the discount percentage – before deciding where to bundle. The company with the biggest advertised savings isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Washington, D.C.?

State Farm offers the cheapest home and auto bundle in Washington, D.C., with the lowest overall premium. If you’re looking to maximize savings through discounts, State Farm provides the highest percentage reduction.

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 option depends on whether you want the lowest total cost or the largest discount.

Here’s how the cheapest bundle options compare in Washington, D.C.:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,337	$4,038	$5,375	$4,209
Allstate	$1,943	$5,936	$7,879	$6,720
USAA*	$1,170	$1,230	$2,400	$2,175

*USAA is only available to military community members and their families.

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.

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 3 companies and 38 ZIP codes.

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in Washington, D.C.?

Bundling home and auto insurance in Washington, D.C. can help reduce costs and make policy management easier, 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 separate quotes. Coverage can also vary, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in Washington, D.C.?

Switching to a bundle is straightforward and often happens when one policy comes 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 current one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, check the total cost, coverage details, and the insurer’s reputation. It’s important to choose a licensed company with dependable claims handling, since the lowest price may not always offer the best protection (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 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

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

$3,357/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.