Best Companies for Home and Auto Insurance Bundles (2023)

Reviewed by licensed agent

updated May 17, 2023

State Farm has the best home and auto insurance because of its satisfied customers and cheap rates of $266 per month.

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Auto

Home

It's free, simple and secure.

$266/month

State Farm: Best overall bundle

$311/month

Nationwide: Best for add-on options

$436/month

Allstate: Best for specialty coverage

Allstate: Best for specialty coverage

Best car and home insurance bundles

Company		Monthly cost
	State Farm		$266
	Nationwide		$311
	Allstate		$436
	Farmers		$585
	Travelers		$590

State Farm has the best home and auto insurance bundle because of its low prices and good customer service.

Cheap rates of $266 per month State Farm policyholders save an average of 24% with a bundling discount. This discount is applied to auto insurance rates, which are already some of the cheapest, and home insurance rates that are reasonable.
Good customer satisfaction State Farm has high customer satisfaction ratings for both home and car insurance in J.D. Power's consumer surveys. This stands out from other companies, which have good ratings for either home or car policies.

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To find the companies that offer the best insurance bundles, ValuePenguin compared costs and customer satisfaction for the largest insurance companies across thousands of ZIP codes in Texas, Illinois and Pennsylvania.

Rates are for a 30-year-old man who is buying full coverage car insurance, has a clean driving record and owns a home that's the median value for his state. See the full methodology.

Best auto and home insurance companies: how much will you save by bundling?

You could save up to 25% by bundling your home and auto insurance policies. However, most people don't get the maximum discount advertised by insurance companies. For example, Allstate's average customer discount of 18% is less than its advertised discount of up to 25%.

State Farm has the best bundling discount, with customers getting an average savings of 24%.

Bundle & Save

Auto

Home

Car and home insurance quotes

Company	Monthly cost	Savings
State Farm	$266	24%
Nationwide	$311	18%
Allstate	$436	18%
Farmers	$585	15%
Travelers	$590	11%

The cheapest home and car insurance bundle will have good discounts and low-price policies. State Farm has good rates for both types of policies, which is why it's also one of the best car insurance companies and the best homeowners insurance companies.

If either the home or car insurance policy is expensive, the bundle may not save you money. For example, Farmers has high rates for car insurance, and Travelers has high rates for home insurance. Choosing to insure your home and car with one of those companies will likely not save you money, even after the discount.

Best overall bundle: State Farm

Read review

Bundle cost $266
Bundle savings 24%

Editor rating

Why it's great State Farm has cheap prices and satisfied customers, making it the best home and auto insurance company. Plus, you can qualify for additional discounts if you have multiple cars, are a safe driver, have a home security system and more.

Pros and cons

Cheap rates on both home and car insurance policies
Strong customer satisfaction
Widely available

Car insurance customers are slightly less satisfied than home insurance customers
Auto policies don't have an accident forgiveness program

Best bundle for add-on options: Nationwide

Read review

Bundle cost $311
Bundle savings 18%

Editor rating

Why it's great Nationwide's good prices and add-on options make it a top company for car and home insurance bundles. Options include smart home discounts, home renovation credit, roadside assistance coverage and accident forgiveness.

Pros and cons

Very cheap rates on home insurance
Wide range of discounts available
Cheap pay-per-mile auto insurance for low-mileage drivers

Home and auto bundles are not always the cheapest
Mixed customer satisfaction
Homeowners policies can be expensive for high-value houses

Best bundle for specialty coverage: Allstate

Read review

Bundle cost $436
Bundle savings 18%

Editor rating

Why it's great Allstate's insurance bundles can be modified to cover different types of valuables including sports equipment, musical instruments, landscaping, jewelry, antiques, electronic data and more.

Pros and cons

Cheapest home insurance company in 15 states
Great customer satisfaction for its auto claims process
Cheap car insurance rates for young drivers

Not the cheapest bundle for typical shoppers
Home insurance customer satisfaction is below average
Only available through local insurance agents

Geico and Progressive bundles outsource their home insurance

Geico and Progressive are not among our top picks for bundled car and home insurance.

The companies can sometimes have cheap rates for auto insurance. However, for home insurance, the companies match you with one of their partners. This means home insurance rates vary widely. Plus, bundling discounts are small, typically less than 5%.

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Finding the best home and auto insurance quotes

The best auto insurance and home insurance bundle is the one that gets you a good price on both policies.

Just because one company offers cheap car insurance does not mean it will also offer affordable rates for homeowners insurance, and vice versa.

Every major insurance company has bundling discounts including:

Allstate
American Family
Amica
Auto-Owners
Erie
Esurance

Farmers
Geico
Liberty Mutual
Mercury
MetLife
Nationwide

Progressive
State Auto
State Farm
The Hartford (AARP)
Travelers
USAA

Should you bundle your home and car insurance?

Reasons to bundle

Reasons not to bundle

It's more convenient: Using one company streamlines your insurance so you'll have one monthly bill.
Bundling saves you money: A bundling discount (also called a multiline discount) saves you an average of 17%.
You can combine deductibles: With some insurance bundles, you will have one deductible if your home and car are damaged at the same time.
It may qualify you to buy extra liability coverage: Some companies require that you use them for both home and auto insurance before you can add on an umbrella insurance policy for extra liability coverage.
You have a high-risk property that's difficult to insure: In areas prone to floods, wildfires or other threats, you may be able to insure your high-risk home by adding the coverage on to your car insurance policy.

Customers with bundled policies tend to be more satisfied with their insurer than those without bundled policies, according to J.D. Power.

Reasons to bundle

It's more convenient: Using one company streamlines your insurance so you'll have one monthly bill.
Bundling saves you money: A bundling discount (also called a multiline discount) saves you an average of 17%.
You can combine deductibles: With some insurance bundles, you will have one deductible if your home and car are damaged at the same time.
It may qualify you to buy extra liability coverage: Some companies require that you use them for both home and auto insurance before you can add on an umbrella insurance policy for extra liability coverage.
You have a high-risk property that's difficult to insure: In areas prone to floods, wildfires or other threats, you may be able to insure your high-risk home by adding the coverage on to your car insurance policy.

Customers with bundled policies tend to be more satisfied with their insurer than those without bundled policies, according to J.D. Power.

Reasons not to bundle

Bundling doesn't always get you the best price: Sometimes you can pay less overall by combining policies from the company that gives you cheap rates for car insurance and a different company with cheap rates for home insurance.
Some companies charge a cancellation fee: Some smaller insurance companies, like Esurance and Mercury, charge a fee for canceling before your policy ends. In these cases, you could pay more to cancel than the bundling discount would save you.
You may be less likely to shop around: After bundling your insurance, you could be less likely to unbundle your policies, even if you find a better deal on home or auto insurance from a different company. This means you could pay more than you need to.
A lapse in coverage when switching will cause higher rates: If you have a gap in coverage when you switch companies, you'll pay 8% more for insurance, even if the lapse was for less than 30 days. And rates can be 35% more expensive if the lapse exceeded 30 days.

Example: Bundling with State Farm could cost $100 per month for auto and $100 per month for home. After a $20 discount, that would total $180 per month.

However, if you can find a car insurance policy from Progressive that costs $50 per month, you could pay a total of $150 if you use Progressive for car insurance and State Farm for home insurance. In this case, bundling would not help you save money.

Home and auto insurance companies by state

Insurance rates can vary widely based on where you live. Comparing personalized quotes is the best way to find good rates for your situation. Start by considering the companies that have the cheapest rates in your state.

State	Cheapest auto insurance	Cheapest home insurance
Alabama	State Farm	Farmers
Alaska	Geico	Country Financial
Arizona	Travelers	State Farm
Arkansas	State Farm	Shelter
California	Geico	Allstate

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How to bundle your auto and home insurance

You can bundle the two policies when you get a quote for either type of insurance or add the second policy. Usually, at the end of the quote process, the insurance company will ask if you wish to add another type of insurance.

The trickiest part of bundling your insurance is transitioning from your old to your new insurance policy without a lapse in coverage.

We recommend you give your insurance company at least 30 days’ written notice of your intention to cancel service. This stops the billing cycle for your old insurance company and gives your new company time to process your paperwork. Specify when you want your new policy to begin to avoid a lapse in coverage.

Other home and auto insurance companies to consider

Best home insurance

Best auto insurance

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Frequently asked questions

How much do you save with a home and auto insurance bundle?

Bundling your car and home insurance saves you an average of 17%. State Farm has the cheapest rates, costing $266 per month for a home and auto insurance bundle after a 24% discount.

What types of insurance policies can I bundle?

You can get a bundle discount for a wide range of policies, including home, auto, motorcycle, life and renters insurance. However, the most common bundle offered by insurers includes home and auto insurance.

What are the best home and auto insurance bundles?

State Farm has the cheapest and best home and auto insurance bundle, costing an average of $266 per month.

Should I bundle my home and auto insurance?

You should bundle your insurance if the bundling discount helps you pay less than if you used two companies. Bundling also lets you streamline your bills, and you may only have to pay one deductible if there's an incident that damages both your home and car.

Methodology

ValuePenguin analyzed homeowners and auto insurance quotes from major insurance companies to see how base rates and bundling discounts impact total insurance costs. Average rates are based on quotes for all ZIP codes in Texas, Illinois and Pennsylvania.

Auto insurance rates are based on a full coverage policy for a 30-year-old man who has good credit, has a clean driving history and drives a 2015 Honda Civic EX. Homeowner insurance rates are based on the median home value in each state. Additional data sources include J.D. Power, the National Association of Insurance Commissioners (NAIC) and AM Best.

Insurance rate data is from Quadrant Information Services and is publicly sourced from insurer filings. Rates are for comparative purposes only. Your rates may be different.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.