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 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

We 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 West Virginia for home and auto bundling.

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

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

Bundling auto and home insurance with Nationwide can save an average of $554, or 17%. Without the discount, the coverage costs $3,267, but after the discount, it’s only $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

The average bundle discount at Progressive is $194, or 5%. Before getting a bundle discount, customers see average rates of $3,726 for coverage. With the bundle discount, customers see average rates of $3,532. Progressive ranked at No. 8 in our Best Auto Insurance Companies ranking and No. 10 in the Best Home Insurance Companies ranking.

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?

If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.

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 most affordable ZIP code in West Virginia for bundling home and auto insurance is 26505, with an average rate of $2,622. Below are the 10 least expensive 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 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 West Virginia?

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.

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.