Best and cheapest companies for home and auto bundles in West Virginia

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from West Virginia insurers to help you find the carriers that offer the most affordable rates after bundling.

In West Virginia, 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 25%.

State Farm provides the lowest bundled rate in West Virginia, with an average cost of $2,361 for combining your home and auto policies.

Key Takeaways

In West Virginia, State Farm offers the biggest average discount of 25% 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 West Virginia

We ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in West Virginia.

State Farm

State Farm offers a 25% bundle discount, which amounts to an average savings of $787. The combined cost of home and auto insurance before the discount is $3,148, and after the discount, it drops to $2,361.

Erie Insurance

The average bundle discount at Erie Insurance is $544, or 17%. Without a bundle discount, customers pay $3,198 for coverage. After the bundle discount, customers pay $2,654 on average. Erie Insurance ranked at No. 1 in our Best Auto Insurance Companies ranking and No. 1 in the Best Home Insurance Companies ranking.

Nationwide

Nationwide offers an average discount of $554 when you bundle your auto and home insurance, which is about 17%. Without the discount, the average cost is $3,267, but with the discount, it drops to $2,713.

Allstate

Allstate offers an average bundle discount of $737, which is about 17%. Without the discount, the combined cost of home and auto insurance is $4,316. After applying the discount, the total cost drops to $3,579.

Progressive

Progressive offers an average bundle discount of $194, or 5%. The average rate for coverage before the discount is $3,726, and with the discount, it’s reduced to $3,532.

Compare home and auto bundles in West Virginia

Bundling your home and auto insurance in West Virginia can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$2,361	47	87.4	A++	25%	82.03
Erie Insurance	$2,654	73	93.2	A+	17%	76.31
Nationwide	$2,713	42	86.6	A	17%	68.59
Allstate	$3,579	39	85	A+	17%	61.6
Progressive	$3,532	48	86.6	A+	5%	53.18

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What company offers the cheapest home and auto bundles in West Virginia?

State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,812	$1,336	$3,148	$2,361
Erie Insurance	$1,752	$1,446	$3,198	$2,654
Nationwide	$1,623	$1,644	$3,267	$2,713
Westfield Insurance	$1,810	$1,974	$3,784	$3,294
Progressive	$2,081	$1,645	$3,726	$3,532
Allstate	$1,420	$2,896	$4,316	$3,579
USAA*	$1,224	$986	$2,210	$2,055

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

Most and least expensive ZIP codes for home and auto insurance bundles in West Virginia

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in West Virginia.

Most expensive ZIP codes

The most expensive ZIP code in West Virginia for bundling home and auto insurance is 25608, with an average cost of $3,557. Here are the 10 most expensive ZIP codes:

ZIP code	Average auto and home after discount	Average difference
25608	$3,557	15%
25535	$3,258	15%
25502	$3,191	15%
25276	$3,156	15%
25019	$3,108	15%
25755	$3,107	15%
25504	$3,097	15%
25704	$3,083	15%
25702	$3,057	15%
25043	$3,030	15%

Least expensive ZIP codes

The least expensive ZIP code in West Virginia for bundling home and auto insurance is 26505, with an average cost of $2,622. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
26505	$2,622	14%
26301	$2,636	14%
25401	$2,647	14%
26501	$2,647	14%
26003	$2,652	14%
25403	$2,669	14%
26062	$2,674	14%
25404	$2,676	14%
25405	$2,686	14%
26506	$2,691	14%

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in West Virginia?

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“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 West Virginia?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

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.