Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in West Virginia Best and cheapest companies for home and auto bundles in West Virginia State Farm has the biggest auto and home bundling discount in West Virginia at an average of 25%, and also has the cheapest overall bundled rate at an average of $2,361 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. 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 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 West VirginiaWe 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 FarmThe average bundle discount at State Farm is $787, or 25%. Before the bundle discount is added, the average cost of home and auto insurance is $3,148. After getting a bundle discount, the cost drops to $2,361. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.Erie InsuranceErie 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.NationwideThe 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.AllstateAllstate 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.ProgressiveProgressive 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 VirginiaBundling 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$2,361 4787.4A++25%82.03Erie Insurance$2,654 7393.2A+17%76.31Nationwide$2,713 4286.6A17%68.59Allstate$3,579 3985A+17%61.6Progressive$3,532 4886.6A+5%53.18What 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.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleUSAA$1,224$986$2,210$2,055State Farm$1,812$1,336$3,148$2,361Erie Insurance$1,752$1,446$3,198$2,654Nationwide$1,623$1,644$3,267$2,713Westfield Insurance$1,810$1,974$3,784$3,294Progressive$2,081$1,645$3,726$3,532Allstate$1,420$2,896$4,316$3,579Most and least expensive ZIP codes for home and auto insurance bundles in West VirginiaWhere 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 codesThe 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 codeAverage auto and home after discountAverage difference25608$3,55715%25535$3,25815%25502$3,19115%25276$3,15615%25019$3,10815%25755$3,10715%25504$3,09715%25704$3,08315%25702$3,05715%25043$3,03015%Least expensive ZIP codesThe 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 codeAverage auto and home after discountAverage difference26505$2,62214%26301$2,63614%25401$2,64714%26501$2,64714%26003$2,65214%25403$2,66914%26062$2,67414%25404$2,67614%25405$2,68614%26506$2,69114% 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. 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 West VirginiaCheapest car insurance in West VirginiaWest Virginia car insurance calculatorNon-owner auto insurance in West Virginia: Which company has the cheapest rates?Cheapest SR-22 insurance in West Virginia 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/YearWashington$1,762/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. 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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 West VirginiaCompare home and auto bundles in West VirginiaWhat company offers the cheapest home and auto bundle in West Virginia?Most and least expensive ZIP codes for home and auto insurance bundles in West VirginiaFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates