The Best Home and Auto Insurance Bundle
The Best Home and Auto Insurance Bundle
Drivers may save up to 10% on the total cost of home and auto insurance by bundling their policies. Compare policies to ensure you get the best deal.
Bundling home and auto insurance can help drivers save hundreds of dollars annually. Fortunately, most major insurance companies let you bundle both policies for a convenient discount.
According to our analysis, Nationwide offers the cheapest rates to bundle your home and auto insurance, at $2,445 per year. Farmers and State Farm offer the biggest discounts for bundling home and auto insurance, both at 10%.
In this article we will discuss how to bundle two insurance policies and explain how comparison shopping can help you find the cheapest rates.
The best home and auto insurance bundle
Nationwide has the cheapest rate for bundling home and auto insurance at $2,445 per year.
Find the Best Insurance Companies for Home and Auto
Drivers could save up to 10% by bundling their policies, depending on the insurer and their driver profile. Enter your ZIP code above to find the best insurance companies for home and auto.
Company | Discount | Total | Avg. yearly car insurance rate | Avg. yearly homeowners insurance rate |
|---|---|---|---|---|
| Nationwide | 4% | $2,445 | $1,404 | $1,143 |
| Farmers | 10% | $2,620 | $1,249 | $1,662 |
| Progressive | 5% | $2,746 | $1,241 | $1,649 |
| State Farm | 10% | $2,748 | $1,372 | $1,681 |
| Allstate | 5% | $4,001 | $1,718 | $2,494 |
| Liberty Mutual | 3% | $4,708 | $2,360 | $2,494 |
Discount may vary depending on circumstances and may not be available in every state.
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Auto insurance rates were for a 30-year-old male, while the homeowners insurance rates were for protecting a $200,000 home. These are rough national averages for one specific person, so rates will fluctuate depending on where you live.
For example, homeowners insurance in Florida tends to be expensive in most parts of the state, but car insurance tends to be cheaper in the northern parts.
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class=\"QuoteWizardQuoteForm--root QuoteWizardQuoteForm--dropshadow\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--form-container\"\u003E\u003Ch3 class=\"QuoteWizardQuoteForm--title\"\u003EFind the Best Insurance Companies for Home and Auto\u003C\/h3\u003E\u003Cform id=\"QuoteWizardQuoteForm--530\" class=\"QuoteWizardQuoteForm--form\" method=\"GET\" action=\"https:\/\/quotes.valuepenguin.com\" target=\"_blank\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--hidden\"\u003E\u003Cinput type=\"hidden\" name=\"c\" value=\"C30088\"\/\u003E\u003Cinput type=\"hidden\" name=\"product\" value=\"auto\"\/\u003E\u003Cinput type=\"hidden\" name=\"key\" value=\"_best-home-car-insurance-bundle\"\/\u003E\u003Cinput type=\"hidden\" name=\"v\" value=\"VPT1\"\/\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--fields\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--product\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect 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style=\"width:100%\" tabindex=\"0\" value=\"\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--age\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"age\" class=\"InputDropdown--select\" name=\"age\"\u003E\u003Coption selected=\"\" value=\"age\"\u003EAge\u003C\/option\u003E\u003Coption value=\"16\"\u003E16-20\u003C\/option\u003E\u003Coption value=\"21\"\u003E21-24\u003C\/option\u003E\u003Coption value=\"25\"\u003E25-34\u003C\/option\u003E\u003Coption value=\"35\"\u003E35-44\u003C\/option\u003E\u003Coption value=\"45\"\u003E45-54\u003C\/option\u003E\u003Coption value=\"55\"\u003E55-65\u003C\/option\u003E\u003Coption value=\"66\"\u003E65+\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-title\"\u003ECurrently insured?\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-field\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"prior\" class=\"InputDropdown--select\" name=\"prior\"\u003E\u003Coption selected=\"\" value=\"1\"\u003EYes\u003C\/option\u003E\u003Coption value=\"0\"\u003ENo\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--submit\"\u003E\u003Cbutton aria-label=\"Find Insurers\" class=\"Button--root Button--primary \" type=\"submit\" value=\"Find Insurers\"\u003EFind Insurers\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteForm\"\u003E{\"buttonText\":\"Find Insurers\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--530\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":false,\"style\":\"dropshadow\",\"tier\":\"VPT1\",\"title\":\"Find the Best Insurance Companies for Home and Auto\",\"trackingKey\":\"_best-home-car-insurance-bundle\",\"trustMessage\":\"It's free, simple and secure.\",\"vendor\":\"vp\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EDrivers could save up to 10% by bundling their policies, depending on the insurer and their driver profile. Enter your ZIP code above to find the best insurance companies for home and auto.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"20%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gANUQe\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"10%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gxuppt\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r fMHVPd\"\u003E\u003Cspan\u003EDiscount\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"20%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gANUQe\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r fMHVPd\"\u003E\u003Cspan\u003ETotal\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"25%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd cpKuTf\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAvg. yearly car insurance rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"25%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd cpKuTf\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAvg. yearly homeowners insurance rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Nationwide\" href=\"https:\/\/www.valuepenguin.com\/nationwide-insurance-review\"\u003ENationwide\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"10%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E4%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E$2,445\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,404\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,143\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Farmers\" href=\"https:\/\/www.valuepenguin.com\/farmers-insurance-review\"\u003EFarmers\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"10%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E10%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E$2,620\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,249\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,662\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Progressive\" href=\"https:\/\/www.valuepenguin.com\/progressive-insurance-review\"\u003EProgressive\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"10%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E5%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E$2,746\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,241\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,649\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003EState Farm\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"10%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E10%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E$2,748\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,372\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,681\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Allstate\" href=\"https:\/\/www.valuepenguin.com\/allstate-auto-insurance-review\"\u003EAllstate\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"10%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E5%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E$4,001\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,718\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,494\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Liberty Mutual\" href=\"https:\/\/www.valuepenguin.com\/liberty-mutual-insurance-review\"\u003ELiberty Mutual\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"10%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E3%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E$4,708\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,360\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,494\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003EDiscount may vary depending on circumstances and may not be available in every state.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"center\",\"center\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[\"20%\",\"10%\",\"20%\",\"25%\",\"25%\"],\"data\":[[\"Company\",\"Discount\",\"Total\",\"Avg. yearly car insurance rate\",\"Avg. yearly homeowners insurance rate\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Nationwide\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/nationwide-insurance-review\\\"\\u003ENationwide\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"4%\",\"$2,445\",\"$1,404\",\"$1,143\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Farmers\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/farmers-insurance-review\\\"\\u003EFarmers\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"10%\",\"$2,620\",\"$1,249\",\"$1,662\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Progressive\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/progressive-insurance-review\\\"\\u003EProgressive\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"5%\",\"$2,746\",\"$1,241\",\"$1,649\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"State Farm\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/state-farm-insurance-review\\\"\\u003EState Farm\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"10%\",\"$2,748\",\"$1,372\",\"$1,681\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Allstate\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/allstate-auto-insurance-review\\\"\\u003EAllstate\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"5%\",\"$4,001\",\"$1,718\",\"$2,494\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Liberty Mutual\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/liberty-mutual-insurance-review\\\"\\u003ELiberty Mutual\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"3%\",\"$4,708\",\"$2,360\",\"$2,494\"]],\"footnote\":\"Discount may vary depending on circumstances and may not be available in every state.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EAuto insurance rates were for a 30-year-old male, while the homeowners insurance rates were for protecting a $200,000 home. These are rough national averages for one specific person, so rates will fluctuate depending on where you live.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeBorder--root ShortcodeBorder--with-padding\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EFor example, \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Cheap Homeowners Insurance Florida\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-homeowners-insurance-florida\"\u003Ehomeowners insurance in Florida\u003C\/a\u003E\u003C\/span\u003E tends to be expensive in most parts of the state, but car insurance tends to be cheaper in the northern parts.\n\u003C\/div\u003E\n","padding":"double"}
Finding the best home and auto insurance quotes
The best auto insurance and home insurance bundle is the one that gets you a great discount on top of a fair price for both policies.
Just because one company offers cheap car insurance does not mean they will also offer affordable rates for homeowners insurance, and vice versa.
You can compare car and home insurance quotes for your area by putting in your ZIP code up top.
These aren't the only companies you can bundle with — they’re just a small sample of the largest ones. Every major insurance company has bundling policies and discounts.
The following auto and home insurance companies allow you to bundle the two policies:
- Geico
- State Farm
- Progressive
- Allstate
- Farmers
- USAA
- Esurance
- Nationwide
- Liberty Mutual
- Erie Insurance
- American Family
- MetLife
- The Hartford/AARP
- Travelers
- Amica
- Mercury
- Auto Owners
- State Auto
Compare bundled rates from top insurers
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Should you bundle your home and car insurance?
You should bundle your homeowners and auto policies if you:
- Find the combination of policies cheaper than what you currently pay
- Cannot find a cheaper combination at separate companies
- Are trying to insure a risky home
- Want a stronger relationship with your insurance company
You do not want to bundle if the price of the two policies will be more expensive than separate policies at two companies.
If bundling with State Farm costs you $1,000 for auto and $1,000 for home, for a total of $1,800 after the discount, but you can find a home policy for $700 at Progressive, you should go with State Farm for auto and Progressive for home if your goal is to save on insurance costs.
There are a few reasons beyond price, however, that may make bundling more beneficial.
- It may be a good idea to pay the higher price for the bundle if you are having trouble finding a company to insure your high-risk home.
- Having an auto policy with a company that also sells homeowners insurance may give that company more incentive to insure your home — despite the risks.
- Having multiple policies with one insurer may make them less likely to drop you.
- There is also a convenience factor by being able to pay for both policies to the same company.
- Lastly, according to the 2019 J.D. Power survey, customers with bundled policies tended to be more satisfied with their insurer than those who didn't have a bundled policy.
With all that being said, there are still a few factors you should be mindful of that may end up making a bundle more expensive in the long run.
If your bundle requires you to move to another company, we recommend you watch out for cancellation fees and potential lapses in coverage.
The majority of big insurance companies do not charge cancellation fees, but we've found that some like Esurance and Mercury will charge a fee for canceling before your policy is up.
A lapse in your car insurance is another thing to be wary of, as it may be quite costly. We've discovered that your rates can be 8% more expensive when you go to buy a policy again, even if the lapse was for less than 30 days. They can be a full 29% more expensive when the lapse has exceeded 30 days.
How to bundle your auto insurance and home insurance
You can bundle the two policies when you get a quote for either type of insurance.
For example, usually at the end of the auto insurance quote process, your insurer will ask if you wish to add a homeowners policy, as well.
Most people will likely already have a policy for their car with one company, and their home with another.
- This is the trickiest part when it comes to bundling.
- Taking the proper steps to transition from your old to new insurance policy ensures you won't have a lapse in coverage.
How to properly cancel your insurance and bundle with another company
We recommend you give your car or homeowners insurance company at least 30 days’ written notice of your intention to cancel their service.
By giving your company that heads up, you ensure they stop billing you by the time the 30 days is up, and you also eliminate any confusion of when you should have another insurance policy in place.
Haphazardly canceling an insurance policy can leave you with a gap, which as we found with car insurance, can be quite costly — even if it's for less than 30 days.
When you tell your insurance company your intention to cancel, you should already have another company in place which you want to bundle your policies with.
You can set the start date for the new (or both) policies the day your insurance ends with the old company.
What type of insurance policies can I bundle?
Insurers offer bundle discounts for a wide range of policies, including home, auto, motorcycle, life and renters insurance. That being said, the most common bundle offered by insurers is a home and auto policy.
What are the best home and auto insurance bundles?
In terms of cost, Nationwide offers the best home and auto insurance bundle at an average annual rate of $2,445 per year. Farmers and State Farm offer the highest discount rates for bundling home and auto insurance, both at 10%.
Should I bundle my home and auto insurance?
Since most insurers offer discounts for bundling home and auto insurance, there is a good chance you can save money by bundling the two. Additionally, going through the same insurer for both home and auto can make communication a lot easier. That being said, there is a possibility that your cheapest option is to have home and auto insurance through different companies. The key is to compare rates to ensure you are getting the best deal available.