Best Car and Home Insurance Bundle

Bundling your insurance saves you valuable time and money. Find out which company has the best and cheapest auto and home insurance bundle.

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State Farm is our choice for the best auto and home insurance bundle. But it may not be the best one for you. Just about every company has an insurance bundling option. Before you commit to one insurer for all of your insurance needs, you’ll want to find the top one for your circumstances.

This article will help you find the best auto and home insurance bundle. We’ll take a look at how much you can save by bundling with the top companies. You’ll also learn about which company is the best overall.

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Best Auto and Home Insurance Bundle: State Farm

Our winner for the best company to bundle home and auto insurance is State Farm. Bundling your home and auto with State Farm can save you up to 20% on your premium. In 2021, customers saved an average of $1,127 by bundling with the company. These savings coupled with State Farm’s already below-average rates result in some of the cheapest insurance in the US.

You’re not just limited to bundling your home and auto with State Farm, either. It’s possible to bundle your auto policy with these other types of insurance:

  • Life
  • Condo
  • Renters

Great Coverages and Discounts

State Farm has much to offer with its auto and home insurance products. There are plenty of auto coverages available, such as full coverage and emergency road service. On top of bundling, you can save even more money with State Farm’s long list of discounts, such as its Steer Clear and Drive Safe & Save programs.

The company’s homeowners policies also includes all of the basic coverages you need, such as dwelling and personal liability coverage. It’s possible to add extra coverage with endorsements like identity theft and water backup coverage as well. The company also has several homeowners insurance discounts you can use to lower your rates.

Superior Customer Satisfaction

State Farm’s customer satisfaction ratings are among the best in the industry. In J.D. Power’s 2022 auto insurance study, State Farm is in the top ten for every state or region for overall customer satisfaction. Other insurance rating services, such as A.M. Best and S&P Global, also gave State Farm the highest possible marks for customer satisfaction and overall quality.

Final Word on State Farm Bundling

If you’re looking for the best overall company to bundle your home and auto insurance, State Farm is the pick. With plenty of coverages, you won’t have trouble covering your home and car. State Farm also has lower than average rates. By bundling and qualifying for other discounts, your monthly rates will likely be cheaper than anywhere else.

Second-Best Insurance Bundle: Allstate

Allstate is the second-best company for bundling your home and auto insurance. You can save up to 25% off of your insurance by bundling with the company. But Allstate’s rates are much higher than average. This means that you may end up paying more than if you went with another company.

Still, Allstate is a great option for bundling. You can bundle your auto with several other types of insurance, including:

  • Condo
  • Renters
  • Motorcycle
  • Life

Allstate is a good overall company. Customer satisfaction ratings for the insurer are excellent, but not quite as good as State Farm. The company also ranks in the top ten in J.D. Power’s 2022 auto insurance study. Allstate has a wealth of discounts and coverages for both auto and home insurance. Filing home and auto claims are also an easy task. You can’t go wrong by choosing to bundle your home and auto with Allstate. However, expect to pay a little more each month for your insurance.

Third-Best Insurance Bundle: Nationwide

Nationwide is our pick for the third-best auto and home insurance bundle. You can save up to 20% by combining your auto and home with the insurer. You can also bundle these other types of insurance with auto for a discount:

  • Renters
  • Motorcycle
  • Life
  • Boat

Another reason to pick Nationwide is that its auto and home insurance products are very good. Nationwide has all of the coverages you need for your car, including ones that other insurers don’t always offer, like gap insurance. There are also plenty of discounts to help you get even cheaper rates. Nationwide’s homeowners insurance is one of the best as well. You can add up to eight different coverages and there are more discounts than other companies.

Nationwide is a good choice to bundle your home and auto because the savings are high, and the company is high quality. A downside of Nationwide is that it isn’t available in all 50 states. There also aren’t as many extra auto insurance discounts as other companies.

Compare the Best Car and Home Insurance Bundles

Bundling is one of the best ways to lower your insurance bill. Compare quotes from the companies on our list for the best home and auto insurance bundles.

Honorable Mentions for Insurance Bundling

State Farm, Allstate, and Nationwide may be our top three picks for the best auto and home bundle, but there are other good companies as well. Even though they aren’t the best, the following companies still offer great auto and home insurance bundles:

USAA

You can bundle your home and auto insurance and save up to 10% with USAA. These savings aren’t as much as other insurers. However, USAA is known for having some of the cheapest auto insurance rates already. USAA also has a ton of other home and auto discounts, such as SafePilot, to help you save even more cash each month.

USAA offers more homeowners insurance coverages than most companies. You can add extra coverages and endorsements, such as flood insurance and valuable personal property coverage. It’s also possible to add home sharing coverage.

Keep in mind that USAA is exclusive to military service members and their families. The company only lets you bundle your auto insurance with home and renters. For these reasons, USAA didn’t make the cut for the top three. But this insurer’s still a good option if you’re looking to bundle because it has some of the cheapest rates already. The savings for bundling are also fairly significant.

American Family

American Family (AmFam) allows you to bundle your home and auto insurance. Bundling with AmFam can give you a discount of up to 23% off both policies. You have the option to bundle your auto insurance with these other types:

  • RV
  • Boat
  • Motorcycle
  • Life
  • Snowmobile
  • ATV
  • Umbrella

AmFam also gives you the opportunity to stack your savings by switching from another insurer and bundling. You can further lower your rates by opting for AutoPay and paperless billing.

You can manage both your policies on the MyAmFam mobile app. This is a convenient, time-saving perk of buying your auto and home policies from AmFam.

The only major downside of AmFam is that it only sells insurance in 18 states. Otherwise, AmFam is a good choice if you’re looking to bundle because of its wide range of bundling options and high savings.

Farmers

With Farmers, you can save, on average, 20% when you buy auto and home insurance from them. The company refers to this as the multi-line discount. But they let you bundle more than auto and homeowners. You can bundle auto and any of the following types of insurance:

  • Home
  • Renters
  • Life
  • Umbrella
  • Small business
  • Specialty

Farmers is a good bundling option because of its fantastic auto insurance product. There are plenty of auto coverages available to you, such as full coverage and rideshare insurance.

Besides bundling, Farmers offers a ton of other discounts that can reduce your rates. For example, Farmers will give you a discount, not just for bundling, but by having multiple cars in the household. They’ll also give you a discount just for owning a house.

Home insurance with Farmers is fairly standard. The insurer has typical coverages, like dwelling and personal property coverage. Additional discounts are also available, much like with auto.

Progressive

Progressive rounds out our list of best auto and home insurance bundles. On average, customers save 4% by bundling with Progressive. You may save more with other insurers, but Progressive is available in all 50 states. Also, new customers can save up to 20% if they bundle! If you’re a new customer, you can’t beat these bundling savings anywhere else.

You probably already know that Progressive has some of the cheapest rates around. Adding the bundling discount (plus any others you qualify for) will lower your rates even more.

Unfortunately, Progressive only allows you to bundle your auto insurance with home, condo, or renters. And their bundling discount isn’t as much as other companies. For these reasons, Progressive doesn’t rank as high as other insurers.

Compare the Best Insurance Bundling Companies

This table is a quick way for you to compare the insurance bundling options from the major providers.

ProviderDiscountTypes of Insurance
State FarmUp to $1,127Auto, home, renters, life, condo
ProgressiveUp to 4%Auto, home, condo, renters
AllstateUp to 25%Auto, home, condo, renters, ATV, RV, snowmobile, boat
American FamilyUp to 23%Auto, home, condo, renters, umbrella, life, ATV, RV, boat
GEICOVariesAuto, home, condo, renters, mobile home
Liberty MutualUp to $947Auto, home, condo, renters, motorcycle
NationwideUp to 20%Auto, home, condo, renters, motorcycle, life, boat
USAAUp to 10%Auto, home, renters
FarmersUp to 20%Auto, home, renters, life, umbrella, small business, specialty
TravelersUp to 13%Auto, home, condo, renters, boat
Note: the information above is directly from each insurance carrier’s website. Savings may vary for each person. Be sure to ask your agent about how much you can save.

How We Made Our Decision for Best Bundle

Our winners for best insurance bundle are based on a few different factors. The most important is how much you can save with a company’s bundling discount. We also looked at the other types of insurance bundles that the insurer provides. Finally, we considered a company’s overall quality as a major factor.

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