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

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 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 is the top choice for bundling home and auto insurance. It offers an average savings of 25%.
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 bundling

Insure.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 West Virginia

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in West Virginia.

State Farm

State Farm offers an average bundle discount of $787, which is a 25% savings on your premiums. Before the discount, the combined home and auto insurance cost is $3,148, and after applying the bundle discount, the total cost drops to $2,361.

Erie Insurance

Erie Insurance offers an average bundle discount of $544, or 17%. Before the bundle discount, you’ll pay an average of $3,198, which will decrease to $2,654 after the discount is applied.

Nationwide

The average bundle discount at Nationwide is $554, or 17%. Without the bundle discount, the average cost of coverage is $3,267. After the bundle discount, that cost goes down to $2,713. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

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 provides an average bundle discount of $194, or 5%. Before the discount, the average cost for coverage is $3,726. After applying the discount, the cost comes down to $3,532.

Compare home and auto bundles in West Virginia

Bundling your home and auto insurance in West Virginia 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.

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

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

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

State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when 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

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in West Virginia for policyholders who bundle their coverage:

Most expensive ZIP codes

The most expensive ZIP code in West Virginia for home and auto insurance bundling is 25608 at an average rate of $3,557. See the 10 most expensive ZIP codes below.

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 bundling home and auto insurance

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

Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

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?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

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.

You might find interesting

Explore related topics

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.