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: July 9, 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. 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 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 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 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 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 InsuranceThe 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.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.AllstateThe average bundle discount at Allstate is $737, which is a 17% savings. The cost of home and auto insurance before the discount is $4,316, but it lowers to $3,579 after applying the discount.ProgressiveThe 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 VirginiaThe amount you can save on home and auto insurance with a bundle in West Virginia varies by company. Here is a breakdown of the rates and savings with top 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 bundles in West Virginia?State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState 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$3,579USAA$1,224$986$2,210$2,055Most and least expensive ZIP codes for home and auto insurance bundles in West VirginiaThe 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 codesThe 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 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 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 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 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. 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 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/YearWashington, D.C.$2,506/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 bundles in West Virginia?Most and least expensive ZIP codes for home and auto insurance bundles in West VirginiaFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330