The Best Home and Car Insurance Bundles for Seniors (2026)
Erie and State Farm are our top two picks for seniors interested in bundling home and auto insurance coverages.
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Written byJess Ullrich
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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
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Edited byEvelyn Pimplaskar
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Evelyn PimplaskarEditor-in-Chief, Director of Content
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30+ years in media, PR, and content creation
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
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Senior drivers pay some of the lowest car insurance rates of any age demographic, which is good news if you’re entering your golden years. But auto insurance costs in the U.S. have spiked around 54% since 2020, according to the U.S. Bureau of Labor Statistics.
Currently, the national average monthly rates for seniors sit at $162 and $85 for full coverage and liability only, respectively, according to Insurify data.
Home insurance rates have also climbed recently. The national average is currently $3,259 annually, and Insurify data scientists project rates will climb another 8% in 2025.
Bundling your auto and home insurance can help cut your costs. You can also compare rates from different insurers.
We’ve evaluated top auto insurers to determine which offer bundling options and relatively low average rates.
Quick Facts
Country Financial offers the cheapest auto insurance rates among the companies analyzed. Its average liability-only rate for seniors is $31 per month.
While bundling home and auto is the most common type of insurance bundle, you can also save money by bundling other types of policies, like pet or life insurance.
Sometimes switching to a new insurer could save you more than a bundling discount.
Best home and auto insurance companies for seniors
Insurance Company  | IQ Score 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. | Bundled Annual Average* | Bundling Discount |
|---|---|---|---|
| Erie | 8.4 | $2,101 | 15% |
| State Farm | 9.3 | $1,785 | Up to $1,356 |
| Country Financial | N/A | $3,549 | Up to 30% |
| USAA | 9.1 | $2,854 | Up to 10% |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
To estimate the average annual cost of bundled home and auto insurance, we added each insurance company’s annual average cost of car insurance for seniors and its average annual cost of homeowners insurance for a policy with $300,000 in dwelling coverage. We then applied the insurer’s publicly stated discount amount to the total average to arrive at the bundled average.
Erie: Best overall
| User Reviews | 4.4 |
|---|---|
| IQ Score 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. | 8.4 /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. | $69/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. | $125/mo |
4.4
Best choiceBased on 526 verified driver reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 235 Erie Insurance reviews
Verified Review
Reviewed in Ohio on May 25, 2026
Where I'm at is very good and satisfying. My daughter said I should check you out, so that's why I'm here. I do feel it's good to check out your options instead of going with the first company.
Verified Review
Reviewed in New York on May 18, 2026
I just don’t think they give us a break on the price when insuring three vehicles. One of them is only on the road for 6 months as it’s a collector car.
Verified Review
Reviewed in Pennsylvania on April 29, 2026
Very expensive, shop around and you'll get a better price.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
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
Erie offers affordable coverage, a lower-than-average number of customer complaints, and a high customer satisfaction rating. It also offers numerous senior-friendly savings options and perks, like a diminishing auto deductible for every year you remain claims-free.
For all these reasons, we’ve chosen it as our pick for best overall insurer for seniors interested in bundling their home and auto coverage.
Bundling discount: 15% or more
Pros
AM Best financial strength rating of A+ (Superior)
Low rates compared to competitors
Transparent about bundling discount percentage
Cons
Only available in 12 states
Can’t file a claim online
Fewer discounts than some competitors
State Farm: Best for low-mileage drivers
| User Reviews | 4.0 |
|---|---|
| IQ Score 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. | $53/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. | $107/mo |
4.0
Best choiceBased on 18,509 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 7,612 State Farm reviews
Verified Review
Reviewed in Oklahoma on June 6, 2026
State Farm is best if you get to know your agent. The better that relationship is, the better the experience with the agency as a whole. For bundled insurance, they have some of the best rates. We saved extra so that we could raise our deductible, and we put the premium difference in a high-interest bank account, so that we can pay small claims.
Verified Review
Reviewed in Florida on June 6, 2026
I have no issues.
Verified Review
Reviewed in Illinois on June 6, 2026
My car policy was canceled after only 3 months because of the money my former insurance company paid out for an accident two years ago. I told the agent about my driving history and was issued a higher coverage than needed at my request, paid on time, and did the Drive Safe program. I even combined my home and car policy with this company. Too bad for them that my house policy follows me wherever I go. It was over $200 a month with the coverage I put on it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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 could be a good option if you don’t drive long distances. Not only does this insurer offer relatively low average rates for coverage, but you can also save up to 30% by enrolling in its Drive Safe & Save program. This program gives you a combined discount for low mileage and safe driving behaviors.
Bundling discount/claim: Up to $1,356
Pros
Generous safe driving discount
Available in almost all states
Can file a claim online
Cons
Gap insurance not available
Higher rates than some competitors
Fewer discounts than some competitors
Country Financial: Best for low auto rates
| User Reviews | 4.0 |
|---|---|
| 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. | $43/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. | $90/mo |
4.0
Best choiceBased on 67 verified driver reviews and ratings
Country Financial's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.2 | 2.9 |
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 35 Country Financial reviews
Verified Review
Reviewed in Colorado on February 23, 2026
For years, they were the best we could find, then the rates skyrocketed from $800/month to $1800/month. Typical greedy insurance.
Verified Review
Reviewed in Nevada on October 28, 2025
It's good insurance, but I'm over 55, own my vehicle, and have been with them for many years, yet my policy has never gone down. It just steadily rises. I even drive less than 20 miles a day. It seems like you pay and pay and pay, and I never get anything out of it. Like with most insurance companies, you may never use it, and you've paid all this money. It's frustrating paying for something you don't get anything out of.
Verified Review
Reviewed in Illinois on October 25, 2025
The experience has been good; the exception is the constant percentage increases. They are pricing me out of their services because I can purchase comparable coverage for less (and we are “bundled” with autos, home, and liability). I believe I will be changing my auto insurance as I find comparable coverage for $230/6 months for less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
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
If cheap auto coverage is a top priority for you, Country Financial is worth a look. This insurer offers significantly lower rates, with senior drivers paying an average of $31 per month for auto insurance coverage. That said, its home insurance rates are fairly high, so if you’re planning to bundle, it’s important to compare quotes from other insurers to ensure you’re getting the best deal.
Bundling discount: Up to 30%
Pros
AM Best financial strength rating of A+ (Superior)
Extremely low auto insurance rates
Several discounts available
Cons
Higher home insurance rates than some competitors
Only available in 19 states
Low Trustpilot rating
USAA: Best for customer service
| User Reviews | 4.9 |
|---|---|
| IQ Score 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. | 9.1 /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. | $51/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. | $103/mo |
4.9
Best choiceBased on 3,733 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.8 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,587 USAA reviews
Verified Review
Reviewed in Arkansas on June 5, 2026
I'm a veteran who drives maybe 20 miles a week, and my insurance goes up $40 a month every 6 months. I'm 52, with no wrecks and no tickets. They don't seem to care about vets at all.
Verified Review
Reviewed in Florida on June 2, 2026
Excellent customer service, a must-have if stationed overseas, and competitive policy pricing. Easy claims process, quick payments, and overall ease of use. I love USAA but I just needed a cheaper policy right now.
Verified Review
Reviewed in Missouri on May 31, 2026
USAA has always been helpful and easy to work with.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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 a good company to consider if you’re a veteran. This insurer offers policies exclusively for active-duty military members, veterans, and eligible family members. J.D. Power consistently gives USAA high marks for customer satisfaction.
Bundling discount: Up to 10%
Pros
Low-mileage discount available
Transparent about bundling discount percentage
Safe driving discount of up to 30% in eligible states
Cons
Only available to members of the military community
Fewer discounts than some competitors
Higher-than-average number of customer complaints for auto insurance
To choose the best home and car insurance bundles for seniors, Insurify data analysts used quote information from our database of millions of car insurance and home insurance quotes. We also evaluated each company for its customer service ratings, overall value, financial strength ratings, and availability of senior-friendly discounts.
How bundling works to save seniors money
Bundling discounts are common, and they reward policyholders for their loyalty. While home and auto coverage is a common bundle, some insurers may also offer discounts for bundling renters and car insurance or other types of policies, like life or pet insurance.
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Should you bundle your home and auto insurance?
Bundling your home insurance policy with your auto insurance has advantages and disadvantages. On one hand, bundling typically gives you a significant discount. You also enjoy the convenience of paying your premiums in one place.
But it’s important to compare insurance rates from different companies if you’re thinking about bundling. It’s possible that a lower-cost policy from another insurer may provide more cost savings than a bundling discount.
How seniors can save on auto and home insurance
If you decide bundling is a good way to save money, consider shopping around for coverage with multiple insurers. This could mean switching your current coverage, but the potential cost savings might be worth it.
Other options for reducing your insurance costs include:
Increase your deductible. Both your full-coverage auto and home insurance policies have deductibles. Opting for higher deductibles can reduce your monthly or annual premiums, though you’ll pay more if you need to file a claim.
Access discounts. Many insurers offer discounts for both auto and home insurance. For example, you could get a discount if you don’t drive often, take a defensive driving course, or install certain safety features in your home. And you may get a multi-policy discount for buying two or more types of insurance policies from the same company.
Reduce your coverage. If you drive an older, low-value car, you might consider removing your collision coverage and comprehensive coverage. Removing these will reduce your premium. But if you cause an accident that damages or totals your car, your insurance won’t pay to repair or replace your vehicle.
Compare home and auto bundles. Comparing home and auto bundles could also help you save money.[1] Insurance rates vary by company, and so do bundling discounts and rates.
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More auto insurance discounts for seniors
Beyond bundling, many car insurance companies offer a range of discounts for policyholders. Other common car insurance discounts that could benefit seniors include:
Good driver discount: Many insurance companies offer good driver discounts for drivers with no recent driving infractions, such as at-fault accidents, speeding tickets, or other moving violations.
Low-mileage discount: If you’re driving less in retirement, ask prospective insurers about a low-mileage discount. You can save on your auto insurance by driving fewer miles.
Defensive driver discount: Many insurance companies also offer a defensive driver discount if you take a safe driving course.[2] This could be a good opportunity if you can find this type of course in your area.
Paid-in-full discount: You can also save by paying for your policy in full annually, as opposed to paying your premiums monthly.
Discount opportunities vary by insurance company, so ask prospective insurers which discounts they offer. Many also advertise potential savings options on their websites.
More homeowners insurance discounts for seniors
Many insurers also offer opportunities to save on your homeowners insurance as a senior. Common home insurance discounts that could benefit you include:
Loyalty discount: You could be eligible for a loyalty discount on your home insurance if you bundle your policies or have maintained the same coverage with the same insurer for several years.
Retiree discount: Some insurers may also offer a retiree discount that lets you save on homeowners insurance in your golden years.[3]
Paid-in-full discount: As with car insurance, you could save on your homeowners insurance if you pay your full premium annually instead of monthly.
Again, discount options differ depending on the insurance company. Shopping around with multiple insurers is the best way to find a set of discounts that aligns with your situation.
Best home and car insurance bundle for seniors FAQs
If you’re still wondering about bundling home and car insurance, here are some common questions and answers.
What happens if you cancel one of your bundled policies?
You’ll likely lose your bundling discount if you cancel one of your bundled policies. But different insurers may have different ways of handling this. If you have questions about dropping a bundled policy, contact your insurance company directly.
How much can you save by bundling?
Bundle discounts vary by insurance company. Different insurers offer different opportunities to save. For instance, Erie offers a discount of 15% or more, COUNTRY Financial’s discount is up to 30%, and USAA offers a discount of up to 10%.
Do auto insurance costs increase with age?
Car insurance is generally less expensive for senior drivers than for other age demographics. But rates increase slightly around age 70, as accident risks increase for older drivers.[4] That said, your insurance rates will vary depending on your driving history, ZIP code, gender, and other factors.
How much does homeowners insurance cost for seniors?
A homeowner’s age doesn’t affect their home insurance premiums, although the age of their home does. Many other factors affect home insurance costs, including where you live, the size and condition of your home, and, in some states, your credit. On average, homeowners insurance costs about $3,259 annually for a policy with $400,000 in dwelling coverage and a $1,000 deductible, according to Insurify data.
Who has the cheapest auto insurance for seniors?
Country Financial is the insurance company with the cheapest liability car insurance for seniors. Its average monthly cost for drivers in their 60s is $31.
Sources
- Insurance Information Institute (Triple-I). "How to save money on car insurance."
- Virginia Department of Motor Vehicles. "Insurance Discounts for Drivers Age 55 Years and Older."
- AAA. "5 Discounts to Lower Your Home Insurance Premium."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
Featured in
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in