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%
$231
$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
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$141/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$205/mo
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
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$134/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$192/mo
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
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$159/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$250/mo
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
Best insurer for local service: Farmers
local serviceFarmers
Compare personalized, real-time quotes
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.
8.3/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$147/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$239/mo
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
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$137/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$190/mo
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 100+ 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, NJM, and Auto-Owners have the cheapest auto insurance, Insurify data shows. Drivers pay $16, $28, and $32 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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State Farm
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