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 car insurance company has a bundling option. Before you commit to one insurer for all of your coverage 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 get an idea about which company is the best overall. For a more complete breakdown of how each major insurer ranks, we recommend reading our article on the best car insurance companies in the country.

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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 homeowners and auto with State Farm can save you up to 20% on your premium. In 2021, policyholders saved an average of $1,127 by bundling. These savings, coupled with State Farm’s already below-average insurance rates, result in some of the cheapest insurance in the US.

You’re not limited to bundling your home and auto insurance with State Farm. It’s possible to bundle your auto policy with these insurance products:

  • Life
  • Condo
  • Renters

Great Coverages and Discounts

State Farm has much to offer with its car and home insurance products. It has many types of auto insurance available, including full coverage policies and emergency road service. On top of insurance 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 include all the basic coverages you need, such as dwelling and personal liability insurance. 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 help you 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 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

If you’re looking for the best overall company to bundle your home and auto insurance, State Farm is the pick. With many types of insurance coverage to bundle, you won’t have trouble protecting both 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 our choice for the second-best company for bundling your home and auto insurance. You can save up to 25% off your insurance by bundling with this insurer. However, Allstate’s rates are much higher than average. So, even with bundling, you could pay more than if you went with another company.

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

  • Condo
  • Renters
  • Motorcycle
  • Life

Final Word on Allstate

Allstate is a good overall insurance 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 insurance. 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 for your coverage.

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 for a discount:

  • Renters
  • Motorcycle
  • Life
  • Boat

Another reason to pick Nationwide is that it has strong auto and home insurance products. The insurer 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 cheaper rates.

Nationwide’s homeowners product is one of the best as well. You can add up to eight different coverages and there are more discounts than other companies.

Final Word on Nationwide

Nationwide is an excellent choice to bundle your car and home 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 Car and Home Insurance Bundles

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 the best, the following companies still offer great car and home insurance bundles:

USAA

USAA allows you to bundle your home and auto insurance and save up to 10%. This discount may seem low compared to other insurers, but USAA’s rates are already at or near the lowest in the industry. USAA also has 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 if you’re looking to bundle because it already has some of the cheapest rates. 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 with these:

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

AmFam also allows you to stack 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 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 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 any of the following:

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

Farmers is a good bundling option because of its fantastic car 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 a discount, not just for bundling, but 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

Progressive completes 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! New customers 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 car insurance with homeowners, 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 to compare the 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 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 the best insurance bundle are made based on several factors. The most important is how much you can save with a company’s bundling discount. We also looked at the other types of bundles that the insurer provides. Finally, we considered a company’s overall quality as a major factor.

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