State Farm home and auto bundle insurance in 2024- Insure.com

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.

Bundling home and auto insurance with State Farm costs an average of $2,853 per year. That’s a 24% discount off the combined premiums, also known as a multi-policy discount. State Farm has the lowest bundling premiums of the carriers we compared and the largest discount overall.

“Most major carriers give bundle discounts of anywhere from 5%-20% depending on the line of business. Home and auto provide a higher discount, usually umbrella, campers, snowmobiles things like that are a bit less. I would say 90% of the time it’s best to bundle policies, because it saves money,” says Jake Jones, owner of North Montana Insurance, an independent agency.

Insure.com has gathered everything you need to know about bundling with State Farm to help you decide if it’s right for you.

Key Takeaways

Bundling your home and auto with State Farm gets you, on average, a 24% discount on annual premiums.
The average cost of auto and home insurance when bundled with State Farm is $2,853 a year.
State Farm is one of the largest home insurance companies in the U.S. with policies offered in almost every state.

State Farm home and auto bundle overview

The table below shows what you’ll pay, on average, if you bundle your home and auto with State Farm. We’ve included additional information about State Farm as well to help you choose an insurer. State Farm has an AM Best score of A++, which shows superior financial strength and ability to pay out claims and is the highest ranking available.

State Farm has an NAIC score of 0.95. This number reports the number of complaints made against the company — anything below 1 is low.

Average bundled premium	Savings	NAIC score	AM Best score
$2,853	24%	0.95	A++

Pros and cons of State Farm

You should consider the pros and cons of insurance companies when comparing quotes. Here are some pros and cons for State Farm, according to our Best Home Insurance Companies and Best Car Insurance Companies study for 2024:

Pros	Cons
High customer satisfaction ratings	Limited discounts besides home and auto bundling
Customers like the variety of policy offerings	Digital experience could be improved
Large company with offices across the country

How much does a State Farm home and auto bundle cost?

The following table shows State Farm costs in a sampling of states before and after bundling. It also shows how much you would save if you bundle your home and auto policies together.

The greatest savings are in Kansas, Nebraska, and Oklahoma, where bundling with State Farm can save over $1,500 per year.

State	Home insurance premium	Auto insurance premium	Premium before bundle	Premium after bundle	Savings
Alaska	$1,445	$1,513	$2,958	$2,170	$787
Alabama	$2,786	$1,787	$4,573	$3,328	$1,245
Arkansas	$2,966	$1,465	$4,431	$3,119	$1,312
Arizona	$1,439	$1,859	$3,298	$2,478	$820
California	$1,213	$2,602	$3,815	$3,008	$807
Colorado	$2,991	$1,906	$4,897	$3,605	$1,292
Connecticut	$1,736	$1,761	$3,497	$2,608	$888
Washington, D.C.	$1,436	$1,841	$3,277	$2,506	$771
Delaware	$1,057	$1,513	$2,570	$1,952	$617
Florida	$2,229	$2,437	$4,666	$4,209	$456
Georgia	$2,513	$2,033	$4,546	$3,296	$1,250
Hawaii	$531	$1,134	$1,665	$1,366	$298
Iowa	$2,615	$953	$3,568	$2,564	$1,003
Idaho	$2,485	$772	$3,257	$2,260	$997
Illinois	$1,985	$1,501	$3,486	$2,678	$808
Indiana	$2,333	$1,148	$3,481	$2,594	$887
Kansas	$3,799	$1,613	$5,412	$3,865	$1,548
Kentucky	$2,603	$2,160	$4,763	$3,549	$1,214
Louisiana	$2,203	$3,007	$5,210	$3,987	$1,223
Maryland	$1,540	$2,220	$3,760	$2,935	$826
Maine	$1,192	$1,001	$2,193	$1,613	$580
Michigan	$2,138	$4,637	$6,775	$5,323	$1,453
Minnesota	$2,568	$1,457	$4,025	$2,949	$1,076
Missouri	$2,918	$1,698	$4,616	$3,393	$1,223
Mississippi	$3,075	$1,653	$4,728	$3,411	$1,318
Montana	$2,865	$1,526	$4,391	$3,290	$1,101
North Carolina	$980	$1,374	$2,354	$1,823	$531
North Dakota	$2,976	$1,324	$4,300	$3,500	$800
Nebraska	$4,365	$1,913	$6,278	$4,496	$1,783
New Hampshire	$1,154	$985	$2,139	$1,615	$524
New Jersey	$1,251	$2,142	$3,393	$2,663	$730
New Mexico	$2,134	$1,433	$3,567	$2,625	$942
Nevada	$1,379	$1,784	$3,163	$2,442	$721
New York	$1,309	$2,935	$4,244	$3,450	$793
Ohio	$1,905	$1,095	$3,000	$2,229	$771
Oklahoma	$5,617	$1,566	$7,183	$4,979	$2,204
Oregon	$1,106	$1,217	$2,323	$1,701	$623
Pennsylvania	$1,532	$1,890	$3,422	$2,589	$834
Rhode Island	$931	$1,315	$2,246	$1,739	$507
South Carolina	$2,076	$1,664	$3,740	$2,766	$973
South Dakota	$3,524	$1,576	$5,100	$3,652	$1,449
Tennessee	$2,772	$1,197	$3,969	$2,843	$1,125
Texas	$4,411	$1,448	$5,859	$4,446	$1,413
Utah	$1,088	$1,655	$2,743	$2,104	$640
Virginia	$1,415	$1,216	$2,631	$1,995	$637
Vermont	$1,237	$848	$2,085	$1,553	$533
Washington	$1,397	$1,575	$2,972	$2,312	$660
Wisconsin	$1,568	$1,187	$2,755	$2,083	$672
West Virginia	$1,812	$1,336	$3,148	$2,361	$787
Wyoming	$1,581	$1,489	$3,070	$2,619	$451

States where State Farm is most expensive for bundling home and auto

The table below shows the five states where bundling your home and auto with State Farm is the most expensive. Even though you will still get a discount, rates are highest in these states. Michigan has the highest rates.

State	Bundle insurance rates
Michigan	$5,323
Oklahoma	$4,979
Nebraska	$4,496
Texas	$4,446
Florida	$4,209

States where State Farm is cheapest for bundling home and auto

The table below shows where the rates are cheapest for bundling your home and auto with State Farm. Hawaii is the cheapest, followed by Vermont.

State	Bundle insurance rates
Hawaii	$1,366
Vermont	$1,553
Maine	$1,613
New Hampshire	$1,615
Oregon	$1,701

Home and auto bundle rates from State Farm in major cities

The following table shows what average rates you’ll pay with State Farm in a few major cities.

Your ZIP code matters because insurance companies consider several aspects of your location when calculating rates. Weather is a factor, as are traffic and crime patterns. Your area’s claims history also comes into play. The more claims in a certain area, the higher your rates will be.

Cities	Bundle insurance rates
New York, NY	$3,784
Chicago, IL	$2,917
Houston, TX	$5,092
Phoenix, AZ	$2,724
Philadelphia, PA	$3,143

State Farm home and auto bundle insurance rate comparison

The following table looks at how State Farm compares to other carriers for home and auto bundling.

State Farm has the cheapest home and auto bundling rates of $2,853 a year.

Company	Home insurance premium	Auto insurance premium	Premium before bundle	Home premium
State Farm	$2,124	$1,667	$3,791	$2,853
Erie Insurance	$2,378	$1,570	$3,948	$3,332
American Family	$2,347	$1,677	$4,025	$3,340
Auto-Owners	$2,097	$1,789	$3,887	$3,417
Nationwide	$2,809	$1,611	$4,420	$3,643
Allstate	$1,743	$2,875	$4,619	$3,886
Amica	$2,131	$2,621	$4,752	$3,924
Progressive	$2,060	$2,586	$4,645	$4,245
Farmers	$3,364	$2,440	$5,804	$4,693
Travelers	$5,161	$1,823	$6,984	$6,210

Bundling with State Farm vs. buying from two different companies

The following table shows the cost of buying separate policies from State Farm plus another carrier for your home or auto insurance and whether you’ll save if you bundle.

In every scenario it saves you money to bundle with State Farm, however, it’s always important to compare rates for your needs, as many factors impact insurance rates.

State Farm home insurance with auto insurance from competitors

Company	Home premium	Company	Auto premium	Total cost
State Farm	$2,124	Allstate	$2,875	$4,999
State Farm	$2,124	Farmers	$2,440	$4,564
State Farm	$2,124	Auto-Owners	$1,789	$3,913
State Farm	$2,124	Travelers	$1,823	$3,947
State Farm	$2,124	Erie	$1,570	$3,694
Total cost when bundled with State Farm				$2,853

State Farm auto insurance with home insurance from competitors

Company	Auto premium	Company	Home premium	Total cost
State Farm	$1,667	Allstate	$1,743	$3,410
State Farm	$1,667	Farmers	$3,364	$5,031
State Farm	$1,667	Auto-Owners	$2,097	$3,764
State Farm	$1,667	Travelers	$5,161	$6,828
State Farm	$1,667	Erie	$2,378	$4,045
Total cost when bundled with State Farm				$2,853

Should you bundle home and auto insurance with State Farm?

State Farm’s home and auto bundling is the cheapest of all the carriers we’ve reviewed, at $2,853 a year. State Farm offers an average 24% discount for bundling. If rates are the most important thing to you, State Farm is a great choice.

State Farm has a superior AM Best score of A++ and a favorable complaint score with the NAIC. Along with availability in most of the country, all of this makes State Farm a top pick for bundling.

To decide if it’s right for you, compare quotes for your needs with other carriers in your area.

Frequently asked questions

Is it cheaper to have home and car insurance together with State Farm?

Yes, bundling your home and car insurance together at State Farm gives you an average 24% discount on your annual premiums.

Is it worth it to bundle home and auto insurance with State Farm?

State Farm is available in almost every state and when compared to buying separate policies with other carriers, you almost always save money when you bundle with State Farm.

What our expert says

Q: How much does a bundle discount save?

Jake JonesOwner and agent at North Wyoming Insurance, an insurance agency.

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.