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

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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 West Virginia 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 West Virginia when you bundle your policies. By choosing this insurer, you can save an average of 25% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in West Virginia. When you bundle your policies, you can expect to pay an average of $2,361.

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

The 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 Insurance

Erie Insurance offers an average discount of $544 when you bundle your auto and home insurance, which is about 17%. Without the discount, the average cost is $3,198, but with the discount, the price drops to $2,654.

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

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
USAA	$1,224	$986	$2,210	$2,055
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

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

The 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 West Virginia for bundling insurance.

Most expensive ZIP codes

The ZIP code 25608 in West Virginia has the highest average cost for bundling home and auto insurance, at $3,557. See the top 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 home and auto insurance bundling is 26505 at an average rate of $2,622. See the 10 least expensive ZIP codes below.

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.

You might find interesting

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

Arkansas$3,119/Year

California$2,866/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Idaho$1,993/Year

Illinois$2,678/Year

Indiana$2,437/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Mississippi$3,255/Year

Missouri$3,393/Year

Montana$3,188/Year

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Ohio$2,229/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Carolina$2,766/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Utah$1,972/Year

Vermont$1,553/Year

Virginia$1,995/Year

Washington$1,762/Year

Washington, D.C.$2,506/Year

Wisconsin$2,083/Year

Wyoming$2,619/Year

Chris Kissell

Contributing Researcher

Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in West Virginia
Compare home and auto bundles in West Virginia
What company offers the cheapest home and auto bundles in West Virginia?
Most and least expensive ZIP codes for home and auto insurance bundles in West Virginia
Frequently asked questions about home and auto bundle insurance
Methodology