Our thorough research found State Farm to be the best choice for bundling. However, it may not be the best option for you. Luckily, most providers offer a discount when you consolidate auto and home insurance coverage. Before committing to one carrier, we recommend extensive due diligence.
This article will help you find the best companies to bundle auto and home coverage. We’ll take a look at how much bundling saves you with the top providers. You’ll also get an idea about which insurer has the best insurance package overall.
For a more complete breakdown of how each major insurance provider ranked in our bundling study, we recommend reading the best auto insurers in the country.
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Best Home and Auto Insurance Bundle: State Farm
Our winner for the best home and car insurance bundle is State Farm, which saves you up to 20% on your premium. In 2021, policyholders saved an average of $1,127 when they packaged essential coverages. These savings, coupled with State Farm’s already below-average rates, result in some of the most affordable premiums in the US.
You’re not limited to combining your home and auto coverage with State Farm. It’s possible to package your auto insurance with these other products:
Many people have no need of any other coverages, making State Farm their all-in-one insurance provider.
Great Coverages and Discounts
State Farm has much to offer with its auto and homeowners products. It has many types of car insurance available, including full coverage policies and emergency road service. On top of bundling, you can save even more money with the carrier’s long list of discounts, such as its Steer Clear and Drive Safe & Save programs.
The company’s homeowners policies include all the basic coverages you need, such as dwelling and personal liability. It’s also possible to add extra coverage with endorsements like identity theft and water backup coverage. The company also has several homeowners discounts to sweeten the deal.
Superior Customer Satisfaction
State Farm’s customer service and satisfaction ratings are among the best in the industry. In J.D. Power’s 2022 study of auto insurance companies, State Farm is in the top ten for every state or region for overall customer satisfaction. Other 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. State Farm also has a licensed agent base of 18,000.
Final Word on State Farm
If you’re looking for the best overall company to bundle your home and auto insurance, our research found that State Farm is the top pick. With so many options, you won’t have trouble protecting your home, car, and other valuables.
State Farm also has lower-than-average rates. By bundling and integrating coverages under one roof, your monthly rates will likely be cheaper than anywhere else. We also like that this provider does business in all 50 states with an extensive network of captive agents ready to serve you. The positive customer service experience State Farm provides its policyholders is another reason why its the nation’s most popular insurer.
Second-Best Company for Bundling: Allstate
Allstate is our choice for the second-best company for bundling your home and auto insurance. You can save up to 25% off your premium, however, the insurer’s rates are generally much higher than average. So, even when you combine coverages in a package deal, you could pay more than if you went with another company. Note that this is also referred to as the multi-policy discount on the company website.
Still, Allstate is a great option because you can combine your auto with several other coverages, including:
Final Word on Allstate
Allstate is a good overall company. It has excellent customer satisfaction ratings. The insurer 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 homeowners coverage. Filing home and auto claims are also an easy task.
You can’t go wrong by bundling your home and auto with Allstate. However, expect to pay a little more each month if you decide to make Allstate your all-in-one insurance provider.
Third-Best Insurance Bundling Provider: Nationwide
Nationwide is our pick for the third-best auto and home insurance bundling. You can save up to 20% by combining your auto and home. You can also package the coverages below for additional savings:
Another reason to pick Nationwide is that it has strong auto and home insurance products. It has all the coverages you need for your car, including ones that other providers don’t always offer, like gap. There are also plenty of discounts to help you get even better, more affordable rates.
Nationwide’s homeowners insurance product is one of the best as well. You can add up to eight different coverages and there are more discounts than other insurers.
Final Word on Nationwide
Nationwide is an excellent choice to bundle your car and home insurance because you save so much money, 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 discounts as other companies.
Compare the Best Auto and Home Insurance Bundle
Bundling is one of the best ways to lower your premium. 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. Even though they aren’t top picks, the following companies still offer great car and home insurance bundling options:
Bundling your auto and home with USAA can lower your premium by 10%. This may seem low compared to other providers, but USAA’s rates are already extremely competitive. You can also qualify for a ton of other discounts, such as SafePilot, to help you save even more cash each month.
USAA offers more homeowners 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.
Note that USAA is exclusive to military service members and their families. The company only lets you bundle your car 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 because it already has some of the cheapest rates. The savings are also fairly significant.
American Family allows you to bundle your home and auto insurance, which reduces your overall premium up to 23%. AmFam also lets policyholders combine these coverages into a multi-policy account:
AmFam also allows you to stack discounts by switching from another insurer and bundling. You can make your premium cost even less 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 car and home policies from AmFam.
The only major downside of AmFam is that it only sells policies in 18 states. Otherwise, AmFam is a good choice because of its wide range of bundling options and high savings.
With Farmers, you can save, on average, 20% from auto and homeowners insurance bundling. The provider calls this their multi-line discount, which also lets policyholder combine these popular coverages:
- Small business
Farmers is a good bundling option because of its fantastic auto insurance product. There are plenty of auto coverages available to you, such as rideshare and full-coverage.
Besides bundling, Farmers offers a ton of other discounts that can reduce your rates. For example, Farmers will give you lower rates for having multiple cars in the household. They’ll also give you a discount just for owning a house.
Farmers homeowners insurance product is fairly standard. It has typical coverages, like dwelling and personal property coverage. Additional discounts are also available.
Progressive completes our list of best auto and home insurance bundles. On average, customers save 4% by combining all of their coverages 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%! You can’t beat these savings anywhere else.
You probably already know that Progressive has some of the lowest rates around, especially if you have a good driving record. Adding the insurance bundling or multi-line discount (plus any others you qualify for) will lower your rates even more.
Unfortunately, Progressive only allows you to bundle your car insurance with homeowners, condo, or renters. And their discount isn’t as rich as other companies. For these reasons, Progressive doesn’t rank as high as other insurers.
Insurance Bundling Discounts by Company
This table is a quick way to compare the bundling options from the major insurance companies.
|Company||Discount||Types of Insurance|
|State Farm||Up to $1,127||Auto, home, renters, life, condo|
|Progressive||Up to 4%||Auto, home, condo, renters|
|Allstate||Up to 25%||Auto, home, condo, renters, ATV, RV, snowmobile, boat|
|American Family||Up to 23%||Auto, home, condo, renters, umbrella, life, ATV, RV, boat|
|GEICO||Varies||Auto, home, condo, renters, mobile home|
|Liberty Mutual||Up to $947||Auto, home, condo, renters, motorcycle|
|Nationwide||Up to 20%||Auto, home, condo, renters, motorcycle, life, boat|
|USAA||Up to 10%||Auto, home, renters|
|Farmers||Up to 20%||Auto, home, renters, life, umbrella, small business, specialty|
|Travelers||Up to 13%||Auto, home, condo, renters, boat|
How We Chose Our winners
Our winners for the best auto and home insurance bundle are selected based on several factors. The most important is how much packaging your policies together saves you. We also looked at how many coverages each provider includes in its discount . Finally, we considered a company’s overall quality as a major factor.