Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Washington Best and cheapest companies for home and auto bundles in Washington State Farm has the biggest auto and home bundling discount in Washington at an average of 22%, while PEMCO has the cheapest overall bundled rate at an average of $1,762 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. When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Washington to identify which ones provide significant savings when combining multiple coverage types.State Farm provides the highest percentage discount on home and auto insurance premiums in Washington when you bundle your policies. By choosing this insurer, you can save an average of 22% on your home and auto bundle. On the other hand, PEMCO provides the lowest overall rate for bundling in Washington. When you bundle your policies, you can expect to pay an average of $1,762. Key Takeaways In Washington, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 22%.Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.Bundling is usually a smart move, but sometimes it might not be the best option. 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 WashingtonWe 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 FarmState 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.AllstateAllstate 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.NationwideBundling auto and home insurance with Nationwide can save an average of $409, or 15%. Without the discount, the coverage costs $2,771, but after the discount, it’s only $2,362.Farmers InsuranceFarmers 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 WashingtonBundling 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$2,312 4787.4A++22%78.87Allstate$2,560 3985A+19%70.47Nationwide$2,362 4286.6A15%65.75Farmers Insurance$3,588 4382A9%49.85What 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.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundlePEMCO$915$1,316$2,231$1,762State Farm$1,397$1,575$2,972$2,312Nationwide$1,100$1,671$2,771$2,362Allstate$891$2,262$3,153$2,560Farmers Insurance$1,474$2,455$3,929$3,588Most and least expensive ZIP codes for home and auto insurance bundles in WashingtonThe 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 codesThe 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 codeAverage auto and home after discountAverage difference98168$2,89817%98144$2,86517%98108$2,85217%98118$2,84817%98106$2,84817%98126$2,81717%98134$2,80917%98178$2,80917%98174$2,80117%98132$2,79717%Least expensive ZIP codesThe least expensive ZIP code in Washington for home and auto insurance bundling is 98221 at an average rate of $2,114. See the 10 least expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference98221$2,11417%98278$2,11817%98277$2,12017%98233$2,15017%99212$2,22717%99224$2,24617%99102$2,25018%99206$2,25017%98626$2,26117%99217$2,26417% 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. 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 WashingtonCheapest car insurance in WashingtonWashington car insurance calculatorNon-owner car insurance in Washington: Which company has the cheapest rates?Cheapest SR-22 insurance in Washington 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/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 WashingtonCompare home and auto bundles in WashingtonWhat company offers the cheapest home and auto bundle in Washington?Most and least expensive ZIP codes for home and auto insurance bundles in WashingtonFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates