Home Insurance Nationwide home and auto bundle insurance in 2024 Bundling your home and auto insurance together with Nationwide costs an average of $3,643 a year nationwide. That’s an 18% average discount on the combined annual premiums. View Carriers Please enter valid zip Compare top carriers in your area Written by Tonya Sisler | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. | Expert insight from David Lervig David Lervig Founder and instructor at the Insurance School of TexasGo to comment | Posted on: August 13, 2024 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. For those who bundle home and auto insurance together with Nationwide, the average cost of both is $3,643 per year on average. That’s an 18% discount on the combined annual premiums. However, rates vary and bundling isn’t always the right choice. “I recommend shopping multiple insurers every two to three years because most companies offer better rates for new customers than they do for existing customers. I know many companies offer discounts for staying with a company, but most companies still offer better rates for new customers to grow their business,” says David Lervig, founder of the Insurance School of Texas. Insure.com has compiled all the data so you can see if it makes sense to bundle your policies with Nationwide, including comparing bundle rates to other companies and what it costs to buy policies separately. Key Takeaways Bundling home and auto with Nationwide saves, on average, 18% off of the combined annual premiums. The average rate for auto and home bundled with Nationwide is $3,643 annually. Nationwide comes highly recommended by customers and has good third-party ratings. Nationwide home and auto bundle overview Beyond rates, there are additional things to consider to ensure you’re choosing a reputable company. Nationwide’s National Association of Insurance Commissioners (NAIC) complaint ratio, which shows how many complaints have been lodged against the company, is low at 0.87, below the baseline of 1.00. Nationwide has an AM Best score of A+ which shows superior financial strength and ability to pay out claims. The table below shows what you’ll pay, on average, if you bundle your home and auto together with Nationwide. Average bundled premium% SavingsNAIC scoreAM Best score $3,64318% 0.87A+ Pros and cons of Nationwide Every company has pros and cons, which you should consider when comparing quotes. Here are some pros and cons for Nationwide, according to our Best Home Insurance Companies and Best Car Insurance Companies reviews of 2024: ProsConsOffices across the countryHome insurance rates are above the national averageWide array of discountsNot available in all statesSuperior AM Best score of A+ How much does a Nationwide home and auto bundle cost? The average cost if a home and auto insurance bundle across the nation is $3,643 a year. The following table shows the cost of a home and auto bundle with Nationwide in each state. The savings vary by state, which is why it’s so important to shop around. The most significant savings are in Mississippi, where bundling with Nationwide can save almost $3,000 a year. State Home insurance premium Auto insurance premium Premium before bundle Premium after bundle Saving Alabama$4,096$1,167$5,263$4,243$1,020Arkansas$4,845$1,831$6,676$5,418$1,258Arizona$1,843$2,395$4,238$3,708$530California$1,353$2,664$4,017$3,106$912Colorado$5,763$1,794$7,557$6,624$932Washington, D.C.$1,621$2,550$4,171$3,604$567Delaware$1,130$1,609$2,739$2,167$572Florida$1,925$2,671$4,596$3,997$599Iowa$2,627$1,144$3,771$3,015$755Idaho$1,239$1,096$2,335$1,993$341Illinois$2,542$1,579$4,121$3,024$1,097Indiana$2,513$1,309$3,822$3,145$676Kansas$7,107$1,466$8,573$6,943$1,630Kentucky$2,706$1,893$4,599$3,465$1,134Maryland$2,151$1,855$4,006$3,267$740Missouri$4,326$1,463$5,789$5,216$574Mississippi$6,582$1,326$7,908$5,112$2,796Montana$2,211$1,517$3,728$3,188$540North Carolina$3,133$1,274$4,407$2,931$1,477Nebraska$6,701$1,248$7,949$7,261$688New Hampshire$1,428$1,017$2,445$1,972$473Nevada$1,146$1,871$3,017$2,733$284Ohio$1,877$1,006$2,883$2,361$522Oregon$1,038$1,255$2,293$1,862$431Pennsylvania$2,188$2,089$4,277$3,525$752Rhode Island$1,978$2,101$4,079$3,476$605South Dakota$4,275$1,277$5,552$4,800$752Texas$5,497$1,779$7,276$6,466$809Utah$1,120$1,159$2,279$1,972$308Virginia$1,565$1,186$2,751$2,267$483Washington$1,100$1,671$2,771$2,362$409Wisconsin$1,449$1,241$2,690$2,276$415West Virginia$1,623$1,644$3,267$2,713$554 States where Nationwide is most expensive for bundling home and auto Nebraska is the most expensive state for home and auto insurance with Nationwide. The table below shows the top five states where bundling with Nationwide is most expensive. While you can still get a discount, insurance policies in these states are expensive even with bundling. State Bundle insurance ratesNebraska$7,261Kansas$6,943Colorado$6,624Texas$6,466Arkansas$5,418 States where Nationwide is cheapest for bundling home and auto Oregon is the cheapest state for home and auto bundling with Nationwide. The table below shows which states have the cheapest rates for bundling your home and auto with Nationwide. StateBundle insurance ratesOregon$1,862New Hampshire$1,972Utah$1,972Idaho$1,993Delaware$2,167 Home and auto bundle rates from Nationwide in major cities Location is a major factor when it comes to the cost of both home and auto insurance, so the city you call home will affect what you pay. The following table shows the average cost of a home and auto bundle with Nationwide in several major cities. CitiesBundle insurance ratesChicago, IL$3,734Houston, TX$3,132Phoenix, AZ$4,338Philadelphia, PA$4,586San Diego, CA$2,776 Nationwide home and auto bundle insurance rate comparison Nationwide ranks 5th for bundle pricing when compared to other major carriers, with average premiums of $3,643. State Farm has the cheapest home and auto bundling rates of $2,853 a year. The following table looks at how Nationwide compares to other carriers for home and auto bundling. CompanyHome insurance premium Auto insurance premium Premium before bundle Premium after bundleState Farm$2,124$1,667$3,791$2,853Erie Insurance$2,378$1,570$3,948$3,332American Family$2,347$1,677$4,025$3,340Auto-Owners$2,097$1,789$3,887$3,417Nationwide$2,809$1,611$4,420$3,643Allstate$1,743$2,875$4,619$3,886Amica$2,131$2,621$4,752$3,924Progressive$2,060$2,586$4,645$4,245Farmers$3,364$2,440$5,804$4,693Travelers$5,161$1,823$6,984$6,210 Bundling with Nationwide vs. buying from two different companies The following table shows the cost of buying separate policies with Nationwide and another carrier for home or auto insurance and whether you’ll save if you bundle. The only example we found where bundling was not cheaper was combining an auto policy from Nationwide and a home policy with Allstate. In all other scenarios, bundling with Nationwide resulted in the lowest overall rate. Nationwide home insurance with auto insurance from a competitor CompanyHome premiumCompanyAuto premiumTotal costNationwide$2,809Allstate$2,875$5,684Nationwide$2,809Erie$1,570$4,379Nationwide$2,809Progressive$2,586$5,395Nationwide$2,809State Farm$1,667$4,476Nationwide$2,809Travelers$1,823$4,632Total cost when bundled with Nationwide$3,643 Nationwide auto insurance with home insurance from a competitor CompanyAuto premiumCompanyHome premiumTotal costNationwide$1,611Allstate$1,743$3,354Nationwide$1,611Erie$2,378$3,989Nationwide$1,611Progressive$2,060$3,671Nationwide$1,611State Farm$2,124$3,735Nationwide$1,611Travelers$5,161$6,772Total cost when bundled with Nationwide$3,643 Should you bundle home and auto insurance with Nationwide? When compared to buying separate policies for home and auto, bundling with Nationwide gets you an 18% discount, for average annual premiums of $3,643. However, the average rates vary quite a bit by state, which makes it important to shop around. Nationwide has a superior AM Best score of A+ and a favorable complaint score with the NAIC. That makes it a solid choice for home and auto insurance. Frequently asked questions Is it cheaper to have home and car insurance together with Nationwide? Bundling will get you a discount, but rates vary based on your needs and profile, so it’s important to compare quotes from several companies to see what’s most affordable for you. Is it worth it to bundle home and auto insurance with Nationwide? Nationwide gives an average 18% discount for home and auto bundling, so it’s worth bundling for many people. However, it’s important to compare quotes for your insurance needs. What our expert says David LervigFounder and instructor at the Insurance School of Texas “I recommend shopping multiple insurers every two to three years because most companies offer better rates for new customers than they do for existing customers. I know many companies offer discounts for staying with a company, but most companies still offer better rates for new customers to grow their business.” Methodology Insure.com commissioned home and auto insurance rates for major carriers from Quadrant Data Services in late 2023. Home insurance rates are based on $300,000 in dwelling and liability coverage and a $1,000 deductible. Auto insurance rates are based on a full coverage policy with 100/300/100 liability limits and $500 deductibles, using the sample profile of a 40-year-old male driving a 2023 Honda Accord LX with a clean driving record and good credit. Quadrant also provided average bundling discounts. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? 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By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Average homeowners insurance cost by ZIP code in 2024 By Barry Eitel How to find a homeowners insurance policy By Shivani Gite On this page Nationwide home and auto bundle overviewPros and cons of NationwideHow much does a Nationwide home and auto bundle cost?Home and auto bundle rates from Nationwide in major citiesNationwide home and auto bundle insurance rate comparisonBundling with Nationwide vs. buying from two different companiesShould you bundle home and auto insurance with Nationwide?Frequently asked questionsWhat our expert saysMethodology ZIP Code Please enter valid ZIP See rates