As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Bundling your home and auto insurance with the same insurance company can save you up to 25% on your policy, depending on the insurer. Not only does bundling save you money, but it also makes managing your insurance policies easier, as you only have to deal with one insurance company. Your insurer will also often combine your monthly premium into one payment.
Bundling discounts, also known as multi-policy discounts, aren’t all created equally. Some insurers stand out above others in how much bundling policies will save you, while others excel in how many types of insurance products and policies you can bundle.
Make sure to explore discounts from multiple insurers, and always compare quotes before buying a policy.
Quick Facts
Not every insurance company offers home and auto insurance bundling discounts.
You can sometimes bundle other types of policies, like renters and life insurance.
Bundling policies doesn’t always mean you’ll pay less.
Best companies to bundle home and auto insurance
Insurify selected the five best insurance companies for bundling home and auto insurance. Check out the table below to see which ones lead the industry.
Insurance Company
Bundling Discount
Average Monthly Full-Coverage Car Insurance Quote
Average Annual Home Insurance Premium
State Farm
Up to $1,273 per year
$117
$1,988
Allstate
25%
$130
$1,999
Nationwide
20%
$179
$2,223
Farmers
10%
$229
$2,623
USAA
10%
$98
$2,041
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The best insurance companies combine a wide range of high-quality coverages and discounts, reliable customer service, and affordable premiums. Insurify considered all these factors when determining which insurance companies deserved a spot in the top five. Remember, the right insurer for you may not be in the list below — every insurer determines premiums differently. Always compare quotes from multiple companies before buying a policy.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$117/mo
4.2
Best choiceBased on 10,954 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,948)
Sabrina
May 7, 2025
Verified Review
Friendly company
They are very responsible and have a friendly demeanor.
Merrill
May 7, 2025
Verified Review
Good experience overall
Easy to deal with but a little bit pricey. Saved money at first, but increases put the numbers up.
Pamela
May 7, 2025
Verified Review
Feel I'm being taken
I like my agent. I don't like paying for other people's mistakes. I feel as a senior I'm paying too much. No DUIs or accidents, and I'm still paying over $100 a month. I could go on...
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm customers can save a hefty $1,273 per year if they bundle their home and auto insurance with the company. Drivers and homeowners should consider bundling their auto and home insurance policies with this highly rated, reliable insurer. State Farm also notably offers condo and auto bundling policies.
Pros
A++ (Superior) financial strength rating from AM Best
Above-average J.D. Power customer satisfaction scores for both home and auto
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$130/mo
4.0
Best choiceBased on 6,691 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,603)
Latosha
May 6, 2025
Verified Review
Pleasant
They offer everything you need easily and conveniently with no hassle.
Haakayoo
May 5, 2025
Verified Review
Allstate is getting too expensive
I am not sure I would recommend Allstate to anyone at this time. Although their bundles are still better than those offered by many of their competitors, they raise their auto premiums by huge margins every premium cycle under the guise that there are a lot of claims filed by drivers in Georgia. Although that is true, it does not justify the 30% to 35% premium increases I have seen in the last year alone. I suspect the four accidents I have had since March 21, 2024. Although I was absolved of fault by the police reports in as many as three of them, my six-monthly premiums jumped from $870 before March 21, 2024, to $1,395 in the most recent renewal. That is a whopping 60% increase in a single year!
Yolanda
May 5, 2025
Verified Review
Awesome Agents
I never had to file a claim, so I don't know how that works. However, I have needed to make late payments, and my guy Lyle is awesome and very understanding. The one thing that is confusing is the safe driver's discount. My first month, I saved like $166, and it was applied to my bill, which I love. Then, like 3 months went by with no savings, and I know I didn't change my driving habits. Then another time, I saved over $100. But otherwise, it's a great company. They actually email back the same day or the next day.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Allstate is the best option for motorcycle enthusiasts. Not only can you bundle home and auto insurance with Allstate, but you can include motorcycle and off-road vehicle insurance in the bundle, too. When it comes to the baseline home and auto bundles, you can save up to 25%.
Pros
Above-average J.D. Power customer satisfaction score for auto
A (Excellent) financial strength rating from AM Best
Cons
Below-average J.D. Power customer satisfaction score for home
Higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC) for homeowners
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$86/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$179/mo
4.4
Best choiceBased on 854 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (480)
Xavier
May 4, 2025
Verified Review
Shopping Around
I have been with Nationwide for a very long time. I have had home and auto claims. They were fair. Their processes were efficient. I received my compensation without any issues. It's long overdue that I review my options.
Fred
May 3, 2025
Verified Review
Average
The experience with the car coverage was excellent. The house not so good.
Ruth
April 28, 2025
Verified Review
Overall experience has been great. Just looking for better pricing
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Nationwide is the best option for boat owners, as it’s one of the few insurance companies to offer bundling with boat insurance. Drivers can bundle their auto insurance with their boat insurance to save. But you can’t bundle auto, home, and boat policies all together. Drivers who just want to bundle auto and home insurance with Nationwide can save up to 20%.
Pros
A (Excellent) financial strength rating from AM Best
Can bundle boat insurance with auto insurance
Cons
Below-average J.D. Power customer satisfaction scores for both home and auto
Higher-than-average number of complaints with the NAIC
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$108/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$229/mo
4.0
Best choiceBased on 2,168 verified guest reviews and ratings
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,159)
Linda
May 7, 2025
Verified Review
Make it cheaper for senior citizens
Too expensive for senior citizens who don’t drive much.
Nina
May 7, 2025
Verified Review
Need to change
My agent is great after 42 years, but I feel the company is too pricey and always raising my rates.
Helen
May 6, 2025
Verified Review
I am overpaying
I pay over $2,000 for a yearly policy on my 2019 Ford Edge that I only drive every two weeks.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.13
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Farmers’ bundling discount may not be the best of the five, but the insurer has an extensive local agent network across the country. People bundling their home and auto insurance with Farmers can only save up to 10%, but they’ll enjoy excellent customer service.
Pros
Above-average J.D. Power customer satisfaction score for auto
A (Excellent) financial strength rating from AM Best
Cons
Below-average J.D. Power customer satisfaction score for home
Doesn’t offer gap insurance
Best insurer for active military, veterans, and their family members: USAA
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo
4.9
Best choiceBased on 2,029 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,164)
William
May 7, 2025
Verified Review
High monthly rate for good driving records.
The monthly rate is way too high for someone with my very good driving record. Insurance rates should not be allowed to be based on credit ratings.
Lina
May 6, 2025
Verified Review
Good Old USAA
Great and cheaper than others!
Frank
May 6, 2025
Verified Review
USAA is a Great Insurer
USAA has always been a great insurer. Currently, I feel their cost is on the high side, so I thought I'd view the competition.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA is the best bundling option for active military members, veterans, and their families. While bundling home and auto with the insurer only saves you up to 10%, qualifying for USAA coverage comes with numerous other benefits, such as deals and exclusive offers.
Pros
A++ (Superior) financial strength rating from AM Best
Offers banking and financial products in addition to insurance
Cons
Only available to active military, veterans, and their families
Higher-than-average number of complaints with the NAIC for auto
How to find the best home and auto insurance for you
Finding the best home and auto insurance can be a challenge. You want reliable insurance, but at the same time, you don’t want to pay an arm and a leg for it. Check out these tips for finding the best home and auto insurance:[1]
Consider your coverage needs. Think about what coverage you actually need, especially if you want to bundle your home and auto policies. Check insurance companies’ websites to see what coverages they offer.
Look at customer reviews. Always read customer reviews of an insurer before buying a policy. An insurer may have very cheap rates but terrible customer service, which may negate the cost savings. Check out sites like the Better Business Bureau, Trustpilot, and J.D. Power for customer satisfaction information.
Make sure the insurer has good financial strength. An insurer’s financial strength indicates how capable it is of paying out claims. Check AM Best for financial strength ratings — anything above an A is a good rating.
Compare quotes. Always compare insurance quotes from multiple insurers before buying a policy — this goes for both home and auto insurance. Each insurer determines premiums differently, so it’s worth comparing pricing from at least three.
Find Coverage for Auto and Home
Compare quotes from the top 120+ insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Should you bundle your home and auto insurance?
There’s no right or wrong answer when it comes to whether you should bundle your insurance. It all depends on your situation and how much bundling would actually save you. But bundling home and auto insurance often saves people a good amount of money. If you’re not a homeowner, most insurers offer auto and renters insurance bundling, too.
Pros and cons of bundling
Bundling can save you money on your insurance policy, but you should check out these pros and cons before you decide whether it makes sense for you.
Pros
Bundling almost always saves you money.
Bundling makes managing your policy easier.
You only have to make one premium payment for two policies.
Cons
Bundling limits your coverage options to just one insurer.
Your chosen insurer may have excellent auto insurance but less-than-ideal home insurance, or vice versa.
You could potentially pay less for two separate policies than a bundling discount, depending on the insurer.
How to get cheaper home and auto insurance
You can get cheaper home and auto insurance in a variety of ways:[2][3]
Compare home insurance quotes
Comparing home insurance quotes from multiple companies is the best way to save money. Every insurer considers rating factors differently, so you should get a homeowners insurance quote from at least three different companies to find the best option.
Compare car insurance quotes
Just like with home insurance, auto insurance companies weigh insurance rating factors differently, so it’s important to compare car insurance quotes from at least three companies.
Ask about discounts
Discounts are a great way to save money on your home or auto insurance policy. Almost every insurance company offers a wide variety of home and auto insurance discounts — just ask which ones you’re eligible for.
Bundle your auto insurance with home insurance
This is an extremely common discount that can save you hundreds per year, all while making policy management easier.
Increase your deductible
Increasing your auto or home insurance deductible instantly lowers your premiums — just know you’ll have more out-of-pocket expenses if you need to file a claim. Make sure you can afford to pay a higher deductible before increasing it.
Shop for Auto and Home Insurance
See personalized quotes from Insurify partners in minutes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Home and auto insurance bundles FAQs
Check this additional information about home and auto insurance bundles to decide if it’s the right move for you.
Is it better to bundle home and auto insurance?
Bundling home and auto insurance is almost always a good idea. Insurers often offer hefty discounts for doing so, as it brings them extra business. It saves you money and makes managing and paying for your policy much easier.
Which company has the cheapest homeowners insurance?
Westfield, Grange, and Hastings Mutual have the cheapest homeowners insurance nationwide, according to Insurify data. Homeowners pay annual averages of $1,080, $1,220, and $1,364, respectively, for insurance with these companies. But your exact rate will likely differ — always compare home insurance quotes before buying a policy.
Can you bundle auto and renters insurance?
Yes, you can bundle auto and renters insurance if your insurer offers it. Many insurance companies offer auto and renters insurance bundling discounts, which can be great if you don’t own a home. If you’re not sure, just ask your insurance company.
Which company has the cheapest auto insurance?
COUNTRY Financial, Auto-Owners, and NJM have the cheapest auto insurance, Insurify data shows. Drivers pay $16, $32, and $34 per month for liability insurance with these companies, respectively. But your rate will vary depending on many factors — always compare car insurance quotes before buying a policy.
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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