Home and auto insurance bundle: Best companies and rates

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Bundling home and auto insurance can help you save on your total premium, with average discounts of about 15% across major insurers. State Farm stands out with the highest average discount at 22% and the lowest bundled premium at $4,291, saving policyholders about $1,184 compared to buying separate policies.

That said, the best bundle is not always the one with the biggest discount. Your final price depends on factors like where you live, your home value, driving history, and coverage choices. It’s worth comparing a few insurers to see how bundling stacks up against buying policies separately, so you can find the option that truly costs less.

💡 Four steps to find your cheapest bundle in under 30 minutes

The right bundle for you depends on your specific profile — not the company with the biggest advertised discount. Use this quick framework to find the lowest total cost before you commit:

Get bundled quotes from at least three insurers, including State Farm, Travelers, and one regional carrier in your state
Compare the final bundled price, not the discount percentage — Travelers’ 11% discount beats State Farm’s 22% on total cost
Pull standalone quotes for home and auto separately from the cheapest carriers in each category, then add them together
Pick whichever option is lowest by at least $100 to $200 — anything closer is usually worth bundling for the simpler billing

Re-shop your bundle every 12 to 24 months. Loyalty discounts rarely keep up with rising base rates, and the cheapest insurer for you today may not be the same one a year from now.

Our pick for the best companies for bundling home and auto

The five best companies for bundling home and auto insurance are State Farm, Farmers, Nationwide, Allstate, and Travelers — with State Farm offering the highest discount at 22% and Travelers delivering the lowest total bundled premium at $3,989. While bundling almost always saves money regardless of which insurer you choose, the size of the discount and the final price vary significantly between carriers.

“You typically can save on premium if you bundle your car insurance with a homeowners policy from the same carrier,” says Christine O’Brien, president of the Insurance Council of New Jersey.

Here are the five companies that offer the biggest discounts to those who bundle home and auto coverage, based on our data:

State Farm

State Farm delivers the strongest overall bundling value, offering a 22% discount and saving policyholders an average of $1,184 annually. It also has the lowest bundled premium at $4,291, making it the most cost-effective option overall.

Farmers Insurance

Farmers provides a 19% bundling discount, reducing premiums by $1,324 — the largest dollar savings among major insurers. However, its higher base rates mean the final bundled premium of $5,533 is still above competitors like State Farm.

Nationwide

Nationwide offers a 17% discount and average savings of $989, bringing bundled premiums down to $4,887. Its relatively balanced home and auto base rates make it a strong middle-ground option for many drivers.

Allstate

Allstate also delivers a 17% discount, saving policyholders about $1,167 annually. However, higher base auto insurance rates push its bundled premium to $5,513, making it less competitive on total cost.

Travelers

Travelers offers a smaller 11% discount but stands out for low base rates, resulting in one of the lowest bundled premiums at $3,989. This makes it a strong option for drivers prioritizing total cost over discount size.

Which companies offer the best home and auto bundle discounts?

State Farm offers the best overall home and auto bundle discount, with an average savings of 22% and a bundled premium of $4,291. Other top insurers like Farmers and Nationwide also provide strong savings, offering discounts of 19% and 17%.

Here is a closer look at the top insurance companies and how much you can save by bundling your home and auto coverage:

Company	Average car insurance premium	Average home insurance premium	Total rate	Total rate after bundle	Total dollar savings	Bundle discount
Allstate	$4,660	$2,020	$6,680	$5,513	$1,167	17%
Amica	$4,077	$1,494	$5,571	$5,004	$567	10%
Farmers	$4,076	$2,781	$6,857	$5,533	$1,324	19%
Nationwide	$2,908	$2,968	$5,876	$4,887	$989	17%
Progressive	$3,032	$4,186	$7,218	$6,785	$433	6%
State Farm	$3,139	$2,336	$5,475	$4,291	$1,184	22%
Travelers	$2,243	$2,218	$4,461	$3,989	$472	11%
USAA*	$1,985	$2,400	$4,385	$4,048	$337	8%

*USAA is only available to military community members and their families.

💡 The biggest discount isn’t always the cheapest option

Travelers offers a smaller 11% bundling discount, but its base premium is much lower than competitors like State Farm, which offers a 22% discount. Even with the smaller discount, Travelers ends up cheaper at $3,989 compared to State Farm’s $4,291.

When comparing bundled insurance quotes, ignore the discount percentages and compare the final out-the-door prices instead. Request itemized quotes from 3-4 insurers showing the base premium, discount amount, and total cost — then sort by the final price, not the discount size.

Which companies have the cheapest home and auto bundles?

Travelers offers the cheapest home and auto insurance bundle at $3,989 per year, followed by USAA at $4,048 and State Farm at $4,291. Despite having one of the smallest bundling discounts, Travelers wins on total price because of its low base rates. USAA — available only to military members and their families — comes in second with an even smaller 8% discount but competitive underlying premiums.

These are the companies that offer the lowest total cost for bundled home and auto coverage:

Company	Average car insurance premium	Average home insurance premium	Total rate	Total rate after bundle	Total dollar savings	Bundle discount
Travelers	$2,243	$2,218	$4,461	$3,989	$472	11%
State Farm	$3,139	$2,336	$5,475	$4,291	$1,184	22%
Nationwide	$2,908	$2,968	$5,876	$4,887	$989	17%
Amica	$4,077	$1,494	$5,571	$5,004	$567	10%
Allstate	$4,660	$2,020	$6,680	$5,513	$1,167	17%
Farmers	$4,076	$2,781	$6,857	$5,533	$1,324	19%
Progressive	$3,032	$4,186	$7,218	$6,785	$433	6%
USAA*	$1,985	$2,400	$4,385	$4,048	$337	8%

*USAA is only available to military community members and their families.

💡 Compare the final bundled price, not the discount percentage

Bundle discounts can be misleading. State Farm advertises a 22% discount — nearly double Travelers’ 11% — but Travelers still costs about $300 less per year on the total bundled premium because its base rates are lower. To find your cheapest bundle:

Get quotes from at least three to five insurers before committing to any policy
Compare the total annual cost, not the savings amount or discount percentage
Ask for both standalone and bundled quotes so you can verify the discount is real
Re-shop your bundle every 12 to 24 months — base rates shift and a different carrier may become cheaper
Bundle additional policies like renters, life, or umbrella for even bigger savings if eligible

The cheapest insurer for your neighbor may not be the cheapest for you, since carriers weigh credit, claims history, home age, and location differently.

What are the biggest home and auto bundle discounts by state?

North Carolina offers the biggest home and auto bundling discount among the most populous states, with Nationwide taking 43% off the combined premium for an average bundled rate of $4,142.

Most large states see bundling discounts in the 15% to 25% range, but the cheapest insurer and largest discount vary significantly depending on where you live. State Farm dominates the list, offering the top bundle discount in five of the ten largest states.

Here’s a breakdown of the biggest available bundling discounts in the most populous states and the companies offering them:

State	Company	Average annual premium	Average discount
California	Nationwide	$4,382	23%
Texas	State Farm	$5,665	18%
Florida	State Farm	$5,034	15%
New York	NYCM Insurance	$5,230	25%
Pennsylvania	State Farm	$4,157	22%
Illinois	Allstate	$4,776	23%
Ohio	Farmers	$3,567	18%
Georgia	State Farm	$5,564	25%
North Carolina	Nationwide	$4,142	43%
Michigan	State Farm	$8,980	22%

Biggest auto and home discount in the top 10 states by population

💡 How to find the best bundle discount in your state

The cheapest bundle in your state may not come from the insurer with the biggest national presence — local and regional carriers often offer the most competitive rates. Use these steps to find your best deal:

Start with the carrier that wins in your state based on the table above, but don’t stop there
Get quotes from at least one regional insurer like NYCM in New York or Erie in the Mid-Atlantic — they often beat national carriers on price
Ask for both bundled and standalone quotes to confirm the discount is meaningfully lowering your total cost
Check whether your state requires specific coverages (like hurricane or earthquake riders) that affect bundle pricing
Re-shop every 1 to 2 years — bundle discounts and base rates shift, and loyalty rarely pays off in insurance

A 43% discount in one state doesn’t guarantee the same savings in another, so always compare the total bundled price across at least three to five insurers before committing.

What are the biggest home and auto bundle discounts in major U.S. cities?

New York City offers the biggest home and auto bundle discount among major U.S. cities, with NYCM Insurance taking 25% off the combined premium for an average bundled rate of $6,632. Most major cities see bundling discounts cluster between 22% and 23%, with Jacksonville as the outlier at just 15%. The cheapest insurer varies significantly by city — Nationwide leads in California metros, while State Farm dominates the East Coast.

Here are the biggest available bundle discounts for each city and which company offers them:

City	Company	Average annual premium	Average discount
Phoenix	Farmers	$5,544	23%
San Diego	Nationwide	$3,858	23%
San Jose	Nationwide	$4,264	23%
Jacksonville	State Farm	$4,717	15%
Chicago	Allstate	$5,442	23%
New York City	NYCM Insurance	$6,632	25%
Philadelphia	State Farm	$5,340	22%
Washington, D.C.	State Farm	$4,209	22%

Biggest auto and home bundle discount in major cities

💡 Why two neighbors in the same city can pay very different rates

Bundle pricing within a single city varies far more than most shoppers expect — your zip code, the age of your home, and even your block’s claim history can move your premium by hundreds of dollars. To make sure you’re getting the real lowest price for your specific address:

Quote with your exact address, not just your city — insurers price by zip code, and rates can differ block by block
Update your home’s details before quoting — a new roof, updated electrical, or recent renovations often unlock additional discounts
Ask about urban-specific credits like anti-theft devices, monitored alarms, or covered parking that aren’t always offered in suburban quotes
Check claims history on your address through a CLUE report — prior claims by previous owners can inflate your home insurance rate
Compare condo vs. homeowners pricing if you’re in a city building — some insurers price these dramatically differently for similar coverage

The cheapest bundle in your city likely isn’t the same one your coworker across town gets — even small differences in address and home details can change which insurer wins.

How much can you save by bundling home and auto insurance?

Bundling home and auto insurance typically saves you 10% to 20% off your total premium, with average annual savings ranging from about $215 in Hawaii to over $1,600 in Kansas. The exact savings depend heavily on your state, since both base rates and bundle discounts vary widely. Drivers in states with high base premiums tend to see the largest dollar savings, even when the discount percentage is similar.

Here’s a breakdown of how bundling affects combined home and auto insurance costs across all 50 states:

State	Average home insurance premium	Average auto insurance premium	Total before bundle	Total after bundle
Alaska	$2,623	$1,381	$4,004	$3,490
Alabama	$2,417	$3,961	$6,378	$5,536
Arkansas	$3,196	$3,720	$6,916	$5,858
Arizona	$3,371	$2,318	$5,689	$4,830
California	$3,523	$1,597	$5,120	$4,308
Colorado	$3,257	$4,950	$8,207	$7,023
Connecticut	$3,720	$2,014	$5,734	$4,791
Washington, D.C.	$3,039	$1,530	$4,569	$3,937
Delaware	$3,305	$1,262	$4,567	$3,826
Florida	$4,805	$2,527	$7,332	$6,537
Georgia	$3,154	$2,599	$5,753	$4,826
Hawaii	$1,735	$642	$2,377	$2,162
Iowa	$2,206	$2,882	$5,088	$4,304
Idaho	$1,843	$2,224	$4,067	$3,524
Illinois	$2,871	$2,630	$5,501	$4,659
Indiana	$2,403	$2,871	$5,274	$4,590
Kansas	$2,845	$5,237	$8,082	$6,471
Kentucky	$3,022	$4,025	$7,047	$5,985
Louisiana	$4,845	$1,424	$6,269	$5,577
Massachusetts	$2,826	$1,520	$4,346	$3,590
Maryland	$2,889	$2,027	$4,916	$4,044
Maine	$1,741	$1,360	$3,101	$2,565
Michigan	$5,757	$2,896	$8,653	$7,295
Minnesota	$3,116	$2,697	$5,813	$4,908
Missouri	$3,371	$3,940	$7,311	$6,020
Mississippi	$2,600	$2,850	$5,450	$4,714
Montana	$2,735	$3,186	$5,921	$5,197
North Carolina	$2,906	$3,113	$6,019	$4,775
North Dakota	$2,567	$2,967	$5,534	$4,628
Nebraska	$2,641	$4,521	$7,162	$6,083
New Hampshire	$1,838	$1,371	$3,209	$2,732
New Jersey	$3,229	$1,372	$4,601	$3,963
New Mexico	$3,023	$2,859	$5,882	$4,947
Nevada	$4,275	$1,746	$6,021	$5,116
New York	$6,137	$1,748	$7,885	$6,643
Ohio	$2,028	$2,106	$4,134	$3,577
Oklahoma	$3,749	$5,002	$8,751	$7,373
Oregon	$2,816	$1,553	$4,369	$3,713
Pennsylvania	$3,909	$1,587	$5,496	$4,727
Rhode Island	$3,408	$2,214	$5,622	$4,892
South Carolina	$2,687	$2,637	$5,324	$4,764
South Dakota	$3,225	$3,747	$6,972	$5,872
Tennessee	$2,638	$2,945	$5,583	$4,835
Texas	$4,284	$4,599	$8,883	$7,879
Utah	$2,798	$1,798	$4,596	$3,951
Virginia	$2,420	$1,973	$4,393	$3,762
Vermont	$1,620	$1,046	$2,666	$2,292
Washington	$2,731	$1,735	$4,466	$3,764
Wisconsin	$2,271	$1,782	$4,053	$3,432
West Virginia	$2,381	$1,834	$4,215	$3,651
Wyoming	$2,324	$2,065	$4,389	$3,689

💡 How to maximize your bundle savings beyond the standard discount

The 10% to 20% bundle discount is just the starting point — most drivers leave additional savings on the table by not stacking discounts or negotiating their renewal. To get the most out of your bundle:

Ask which policy gets the bigger discount — some insurers apply most of the savings to auto, others to home. Knowing this helps you compare quotes more accurately.
Stack additional discounts like paperless billing, autopay, paid-in-full, and claim-free credits on top of the bundle savings
Raise your deductibles together — increasing both your home and auto deductibles can lower your bundled premium another 10% to 25%
Re-quote at every renewal, not just when something changes — bundle discounts often shrink over time as base rates rise

If your current insurer won’t match a competitor’s bundle quote at renewal, switching is usually worth it. Loyalty discounts rarely outweigh the savings from shopping the market.

When should you bundle home and auto insurance?

Bundling makes sense when the discounted combined premium is lower than buying each policy separately — but that isn’t always the case. While bundling typically saves 10% to 20%, the actual savings depend on each insurer’s base rates and how the discount is applied. In some cases, you can find a better deal by splitting your home and auto coverage between two different insurers, even after factoring in a competitor’s bundle discount.

Here’s when bundling is usually worth it:

Your current insurer is competitive on both home and auto rates. If a single carrier already offers strong base prices in both categories, the bundle discount is pure savings on top.
You want simpler billing and one renewal date. Bundling consolidates paperwork, payments, and claims contacts under one company.
You qualify for stackable discounts like paperless billing, autopay, or claim-free credits that apply across both policies.
You own a home with a higher-value structure or location where standalone home insurance is expensive — bundle discounts often apply more aggressively to home premiums.

Here’s when splitting policies might save you more:

One insurer is significantly cheaper on auto while another beats them on home, even after the bundle discount is applied.
Your home or auto risk profile is unusual — older homes, coastal properties, or drivers with violations often get better rates from specialty insurers that don’t bundle.
You only need basic coverage on one policy but comprehensive coverage on the other — separate insurers may price these scenarios more competitively.

The only way to know which option is cheaper for you is to get bundled quotes from at least three insurers, then get standalone quotes for the same coverage from at least two more. Compare the total annual cost — not the discount percentage — to see which approach actually saves you money.

💡 A 10-minute test to find out if bundling is worth it for you

The only way to know whether bundling actually saves you money is to compare it head-to-head with split coverage. Use this quick framework:

Get a bundled quote from your current insurer or top-rated bundling carriers like State Farm, Travelers, and Nationwide
Get standalone auto quotes from insurers known for low auto rates like GEICO, Progressive, or USAA
Get standalone home quotes from insurers with competitive home rates like Amica, Erie, or your state’s regional carriers
Add the cheapest standalone home + auto totals together and compare against your best bundled quote
Subtract any switching costs like cancellation fees from your current policies before deciding

If the bundled price is within $100 to $200 of the split total, bundling is usually worth it for the convenience. If the gap is larger than that in favor of splitting, take the savings — convenience isn’t worth hundreds of dollars a year.

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates provided by Quadrant Data Services across all 50 states and Washington, D.C., to identify the best bundling options. We compared each company’s average multi-policy discount and calculated premiums before and after bundling to measure real savings.

We also evaluated top insurers by state and ZIP code to understand how rates vary by location, ensuring our rankings reflect both national trends and local pricing differences.

Frequently asked questions

How do you buy a home and auto insurance bundle?

You don’t buy a bundle as a separate product. Instead, you qualify for a multi-policy discount by purchasing both home and auto insurance from the same company.

In most cases, the discount is applied automatically when you have multiple policies with one insurer. However, savings and eligibility vary, so it’s important to compare quotes and ask each company how much you can save.

“Afford yourself the time to shop for insurance with multiple carriers,” O’Brien says. “Each insurer offers various discounts — including if you bundle your multiple insurance needs with one company.”

Can you bundle car and renters insurance?

Yes, many companies offer a discount when you bundle car insurance and renters insurance.

However, it is important to confirm with individual insurers that they offer discounts to those who bundle car and renters insurance — and to ask how much you can save for doing so — before you purchase a policy.

What are the pros and cons of home and auto insurance bundles?

Bundling home and auto insurance can lower your total premium and simplify how you manage your policies, but it does not always guarantee the cheapest overall price.

Pros:

Lower premiums through a multi-policy discount
Easier management with one insurer, one bill, and one account
Simplified claims and customer support

Cons:

Less flexibility to mix and match the best policies from different companies
May not offer the lowest total cost compared to separate policies
Fewer options if one insurer lacks certain coverage features

What our expert says

Christine O’BrienPresident of the Insurance Council of New Jersey.

“Afford yourself the time to shop for insurance with multiple carriers, Each insurer offers various discounts — including if you bundle your multiple insurance needs with one company.”

How much does home and auto bundle insurance cost in each state?

Bundling your home and auto insurance can help you save money, but the amount you save often depends on where you live. Insurance rates vary by state based on factors like weather risks, repair costs, and local crime rates. Below, you’ll find a state-by-state breakdown of average costs for a home and auto insurance bundle.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Our pick for the best companies for bundling home and auto
Which companies offer the best home and auto bundle discounts?
Which companies have the cheapest home and auto bundles?
What are the biggest home and auto bundle discounts by state?
What are the biggest home and auto bundle discounts in major U.S. cities?
How much can you save by bundling home and auto insurance?
When should you bundle home and auto insurance?
How we picked the best companies for home and auto bundling
Frequently asked questions
What our expert says

What are the best home and auto insurance bundles? Best companies, discounts, and rates