Best and cheapest companies for home and auto bundles in Washington

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

What you need to know about bundling in Washington

Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.
PEMCO offers the biggest bundle discount in Washington, saving an average of 21%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within Washington plays a major role in how much you’ll actually save
Bundling is often cheaper and more convenient, but it’s not always the best deal

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

PEMCO, State Farm and Farmers stand out as top home and auto bundle companies in Washington, 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 Washington:

PEMCO

The average bundle discount at PEMCO is $793, or 21%. PEMCO offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $3,816.

State Farm

The average bundle discount at State Farm is $819, or 21%. Customers who bundle home and auto with State Farm receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $3,939.

Farmers

The average bundle discount at Farmers is $583, or 14%. Bundling with Farmers means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $4,281.

Nationwide

The average bundle discount at Nationwide is $567, or 13%. The average combined rate before the discount is $4,492.

Allstate

The average bundle discount at Allstate is $1,089, or 20%. The average combined rate before the discount is $5,325.

People also ask:

Who has the cheapest home and auto bundle in Washington?

In Washington, PEMCO offers the cheapest rates for home and auto bundle, with an average premium of $3,023.

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

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?

Home and auto bundle rates in Washington vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

Here’s how rates and savings compare across top insurers in Washington:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
PEMCO	B++	B++	$2,381	$1,435	0.00	0.27	$3,023	4.60
State Farm	A+	A+	$2,293	$1,646	0.87	1.15	$3,120	4.12
Farmers	A	A	$2,323	$1,958	1.24	0.89	$3,698	3.33
Nationwide	A	A	$3,197	$1,295	0.64	1.34	$3,925	3.10
Allstate	A+	A+	$3,798	$1,527	1.20	1.26	$4,236	2.67

Bundle savings can vary more than you expect

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

What is the cheapest home and auto bundles in Washington?

PEMCO is the most affordable option for home and auto bundles in Washington, based on total premium. On the other hand, PEMCO is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

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

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
PEMCO	$1,435	$2,381	$3,816	$3,023
State Farm	$1,646	$2,293	$3,939	$3,120
Farmers	$1,958	$2,323	$4,281	$3,698
Nationwide	$1,295	$3,197	$4,492	$3,925
Allstate	$1,527	$3,798	$5,325	$4,236

Cheapest doesn’t always mean best value

Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you 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 alone, review three key elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk.

Which ZIP codes are most and least expensive in Washington?

The most expensive ZIP code for home and auto bundles in Washington is 98108, with average rates of $4,220, while the cheapest is 98221, where premiums drop to $3,058. Rates can vary widely due to differences in risk, property values and local claims data.

Where you live plays a major role in your insurance costs, affecting both base premiums and available discounts.

Top ten most expensive ZIP codes

The most expensive ZIP code in Washington for home and auto insurance bundling is 98108 at an average rate of $4,220.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
98108	$4,220	$774	15%
98158	$4,194	$781	16%
98118	$4,177	$766	15%
98144	$4,170	$768	16%
98168	$4,147	$774	16%
98106	$4,078	$759	16%
98178	$4,064	$752	16%
98126	$4,059	$752	16%
98031	$4,053	$755	16%
98134	$4,037	$764	16%

Top ten cheapest ZIP codes

The least expensive ZIP code in Washington for home and auto insurance bundling is 98221 at an average rate of $3,058.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
98221	$3,058	$569	16%
98277	$3,068	$570	16%
98233	$3,177	$587	16%
98110	$3,213	$600	16%
98520	$3,252	$595	15%
98278	$3,328	$616	16%
98926	$3,351	$624	16%
99206	$3,356	$620	16%
98626	$3,396	$630	16%
99212	$3,400	$630	16%

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 Washington 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. 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 5 companies and 82 ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Washington 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?

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. May 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 Washington? Here's our pick
How do home and auto bundle rates compare in Washington?
What is the cheapest home and auto bundles in Washington?
Which ZIP codes are most and least expensive in Washington?
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 Washington