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.
Bundle & Save
Auto
Home
It's free, simple and secure.
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.
Progressive had the cheapest rate to bundle your home and auto insurance, at $1,308 per year, in our analysis of quote data from major insurers. Allstate offered the biggest discount for bundling home and auto insurance, at 23.7%.
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
Progressive has the cheapest overall rate for bundling home and auto insurance, at $1,308 per year.
Bundle & Save
Auto
Home
Drivers could save more than 20% by bundling policies, depending on the insurer and their driver profile. Enter your ZIP code above to find the best insurance companies for home and auto.
Insurer | Discount | Total | Annual auto rate | Annual home-owners rate |
|---|---|---|---|---|
| Nationwide | 16.7% | $2,289 | $1,546 | $1,126 |
| Farmers | 10.1% | $4,046 | $2,052 | $2,402 |
| Progressive | 16.4% | $1,308 | $616 | $907 |
| 23.7% | $2,072 | $1,148 | $1,416 | |
| Liberty Mutual | 14.9% | $1,626 | $1,257 | $612 |
Discount may vary depending on circumstances and may not be available in every state.
Auto insurance rates were for a sample 30-year-old male, while homeowners insurance rates were for a $220,000 home. Rates may fluctuate depending on where you live. Some companies, inclinding State Farm, only provide bundled quotes through an agent.
For example, homeowners insurance in Florida tends to be expensive in most parts of the state, but car insurance tends to be cheaper in inland areas around Gainesville.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EProgressive\u003C\/strong\u003E has the cheapest overall rate for bundling home and auto insurance, at $1,308 per year.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImageResponsive--root\"\u003E\n \u003Cfigure class=\"ShortcodeImage--root\"\u003E\n \u003Cpicture class=\"ShortcodeImage--picture\"\u003E\n \u003Csource\n media=\"(max-width: 607.5px)\"\n data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/SmallBundle_twgbky 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/SmallBundle_twgbky 2x\"\n\/\u003E\n \u003Cimg alt=\"This graph shows how annual rates for home and auto insurance compare when bundled\" class=\"lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/BigBundle_pkzjh2\" 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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=\"FieldInsuredStatus-sc-a7rj13 ixFvMA\"\u003E\u003Cp class=\"insured-status-title\"\u003ECurrently insured?\u003C\/p\u003E\u003Cdiv class=\"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=\"FieldSubmit-sc-1iztq69 dnvimf\"\u003E\u003Cbutton aria-label=\"Start Saving\" class=\"Button--root Button--primary Button--fluid \" type=\"submit\" value=\"Start Saving\"\u003EStart Saving\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003Cdiv class=\"MessageContainer-sc-1dnbtw dNYnES\"\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteFormBundle\"\u003E{\"buttonText\":\"\",\"bundledProduct\":\"auto\",\"customEventLabel\":\"\",\"defaultZip\":\"\",\"isZipGeolocated\":false,\"showTrustMessage\":false,\"trackingKey\":\"\\\/best-home-car-insurance-bundle\",\"trustMessage\":\"It's free, simple and secure.\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EDrivers could save more than 20% by bundling 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 hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"20%\" class=\"StyledHeaderCell-sc-nsptsd OqbC\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"10%\" class=\"StyledHeaderCell-sc-nsptsd eWikhN\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r fMHVPd\"\u003E\u003Cspan\u003EDiscount\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"20%\" class=\"StyledHeaderCell-sc-nsptsd OqbC\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r fMHVPd\"\u003E\u003Cspan\u003ETotal\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"25%\" class=\"StyledHeaderCell-sc-nsptsd dktvfb\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual auto rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"25%\" class=\"StyledHeaderCell-sc-nsptsd dktvfb\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual home-owners 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\"\u003E16.7%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E$2,289\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,546\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,126\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\"\u003E10.1%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E$4,046\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,052\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,402\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\"\u003E16.4%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E$1,308\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$616\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$907\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/p\u003E\n\n\u003Cp\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\"\u003E23.7%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E$2,072\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,148\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,416\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\"\u003E14.9%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E$1,626\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,257\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$612\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 \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"center\",\"center\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[\"20%\",\"10%\",\"20%\",\"25%\",\"25%\"],\"data\":[[\"Insurer\",\"Discount\",\"Total\",\"Annual auto rate\",\"Annual home-owners 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\",\"16.7%\",\"$2,289\",\"$1,546\",\"$1,126\"],[\"\\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\",\"10.1%\",\"$4,046\",\"$2,052\",\"$2,402\"],[\"\\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\",\"16.4%\",\"$1,308\",\"$616\",\"$907\"],[\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\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\",\"23.7%\",\"$2,072\",\"$1,148\",\"$1,416\"],[\"\\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\",\"14.9%\",\"$1,626\",\"$1,257\",\"$612\"]],\"footnote\":\"Discount may vary depending on circumstances and may not be available in every state.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EAuto insurance rates were for a sample 30-year-old male, while homeowners insurance rates were for a $220,000 home. Rates may fluctuate depending on where you live. Some companies, inclinding State Farm, only provide bundled quotes through an agent.\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 inland areas around Gainesville.\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 entering your ZIP code above.
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
- American Family
- MetLife
- The Hartford/AARP
- Travelers
- Amica
- Mercury
- Auto-Owners
- State Auto
Compare bundled rates from top insurers
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Auto Insurance\" href=\"https:\/\/www.valuepenguin.com\/best-auto-insurance\"\u003Ebest auto insurance\u003C\/a\u003E\u003C\/span\u003E and home insurance bundle is the one that gets you a great discount on top of a fair price for both policies.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Just because one company offers cheap car insurance does not mean they will also offer affordable rates for homeowners insurance, and vice versa.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EYou can \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"compare\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance\"\u003Ecompare\u003C\/a\u003E\u003C\/span\u003E car and home insurance quotes for your area by entering your ZIP code above.\u003C\/p\u003E\n\n\u003Cp\u003EThese aren't the only companies you can bundle with \u2014 they\u2019re just a small sample of the largest ones. Every major insurance company has bundling policies and discounts.\u003C\/p\u003E\n\n\u003Cp\u003EThe following auto and \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"home insurance companies\" href=\"https:\/\/www.valuepenguin.com\/best-homeowners-insurance-companies\"\u003Ehome insurance companies\u003C\/a\u003E\u003C\/span\u003E allow you to bundle the two policies:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"full pad-none align-left clearfix\"\u003E\n\u003Cdiv class=\"twothird pad-none align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Geico\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n State Farm\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Progressive\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Allstate\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Farmers\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n USAA\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Esurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Nationwide\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Liberty Mutual\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Erie\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n American Family\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n MetLife\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The Hartford\/AARP\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Travelers\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Amica\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Mercury\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Auto-Owners\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n State Auto\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"third pad align-left clearfix\"\u003E\n\u003Cdiv class=\"ShortcodeCtaBannerMini--root\"\u003E\n \u003Cdiv class=\"ShortcodeCtaBannerMini--card\"\u003E\n \u003Cdiv class=\"ShortcodeCtaBannerMini--title\"\u003ECompare bundled rates from top insurers\u003C\/div\u003E\n \u003Cdiv class=\"ShortcodeCtaBannerMini--link-container\"\u003E\n \u003Cdiv class=\"ShortcodeCtaBannerMini--button-text\"\u003EGet Quotes\u003C\/div\u003E\n \u003Cdiv class=\"ShortcodeCtaBannerMini--arrow\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"Find the Cheapest Offers for you\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/static\/cta-banner-arrow\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/static\/cta-banner-arrow\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/static\/cta-banner-arrow 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/static\/cta-banner-arrow 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cspan\u003E\u003Ca data-eventcategory=\"auto_insurance_companies CTAs\" data-eventlabel=\"auto_insurance_companies Mini CTAs in content\" class=\"ShortcodeLink--root ShortcodeCtaBannerMini--link js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Click here to see offers\" href=\"https:\/\/quotes.valuepenguin.com\/?c=C30088&product=auto&key=_best-home-car-insurance-bundle&v=VPT1&product=auto&age=age&prior=1&p=2\"\u003ECompare bundled rates from top insurers\u003C\/a\u003E\u003C\/span\u003E\n \n \u003C\/div\u003E\n \u003C\/div\u003E\n \n\u003C\/div\u003E\n\u003C\/div\u003E \n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
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 cheaper rates at separate companies.
- Are trying to insure a risky home.
- Want a stronger relationship with your insurance company.
You may not want to bundle if the price of the two policies is 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 beneficial.
- It may be a good idea to pay a 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 J.D. Power, customers with bundled policies traditionally tend to be more satisfied with their insurer than those without bundled policies.
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 coverage lapses.
The majority of big insurance companies do not charge cancellation fees, but we've found that some, like Esurance and Mercury, 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. And rates can be 35% more expensive if 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.
Many people 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 a heads up, you ensure they stop billing you by the time the 30 days is up. You also eliminate any confusion as to 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 with which you want to bundle your policies.
You can set the start date for the new (or both) policies the day your insurance ends with the old company.
Frequently Asked Questions
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 includes home and auto insurance.
What are the best home and auto insurance bundles?
In terms of cost, Progressive offered the best home and auto insurance bundle in our survey, at an average annual rate of $1,308. Allstate offered the highest discount for bundling home and auto insurance, at 24%.
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 easier. That being said, it’s possible 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.
Methodology
We looked at five of the nation's largest insurers to see which offers the best overall discount for bundled home and auto insurance policies. All rates are sample quotes for a single male 31-year-old who lives near Indianapolis. He has a full coverage insurance policy on his 2016 Honda Civic, with no recent accidents or traffic infractions.
He carries $230,000 of dwelling coverage on his home, which has a roof that was last replaced in 2010.
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.