Best Companies for Home and Auto Insurance Bundles

Updated Mar 21, 2026

State Farm has the best home and auto bundles, with cheap average rates of around $272 per month to bundle your insurance.

Best auto and home insurance companies

Cheapest: $272/mo

State Farm: Best overall

$413/mo

Nationwide: Best add-ons

$420/mo

Allstate: Best specialty

Allstate: Best specialty

Best car and home insurance bundles

Bundling your home and auto insurance with one company is not only more convenient for making claims and payments, it can also potentially save you around 23% for both policies.

Company		Monthly cost
	State Farm		$272
	Nationwide		$413
	Allstate		$420
	Farmers		$555

Best auto and home bundle discounts

State Farm has the best bundling discount, with customers getting an average savings of 23%.

People often don't get the maximum discount advertised by insurance companies. So it's a good idea to check what kind of discount will be offered to you.

Cost of bundled insurance versus home and auto insurance

Home and auto insurance quotes

The cheapest home and car insurance bundle will have good discounts and low-price policies. State Farm has good rates for both types of policies, which is why it's also one of the best car insurance companies and best homeowners insurance companies.

If either the home or car insurance policy is expensive, the bundle may not save you money. For example, Farmers has high rates for car insurance, and Progressive has high rates for home insurance. Choosing to insure your home and car with one of those companies will likely not save you money, even after the discount.

Best overall bundle: State Farm

Read review

Bundle cost: $272
Bundle savings: 23%

Editor rating:

Pros and cons

Cheap rates on both home and car insurance policies
Good customer satisfaction
Widely available

Home insurance customers are less satisfied than car insurance customers
Auto policies don't have an accident forgiveness program

State Farm has cheap prices and satisfied customers, making it the best home and auto insurance company. Plus, you can qualify for other discounts if you have multiple cars, are a safe driver, have a home security system and more.

Best bundle for add-on options: Nationwide

Read review

Bundle cost: $413
Bundle savings: 19%

Editor rating:

Pros and cons

Cheap rates on home insurance
Wide range of discounts available
Cheap pay-per-mile auto insurance for low-mileage drivers

Home and auto bundles are not always the cheapest
Mixed customer satisfaction
Homeowners policies can be expensive for high-value houses

Nationwide's good prices and add-on options make it a top company for car and home insurance bundles. Options include smart home discounts, a home renovation credit, roadside assistance coverage and accident forgiveness.

Best bundle for specialty coverage: Allstate

Read review

Bundle cost: $420
Bundle savings: 21%

Editor rating:

Pros and cons

Cheaper-than-average home insurance rates
Range of coverages for items such as musical instruments, sports equipment and other valuables
Gets fewer complaints than an average company its size

Not the cheapest bundle for typical shoppers
Home insurance customer satisfaction is below average

Allstate's insurance bundles can be modified to cover different types of valuables including sports equipment, musical instruments, landscaping, jewelry, antiques, electronic data and more.

Geico and Progressive bundles outsource their home insurance

Geico and Progressive are not among our top picks for bundled car and home insurance.

These companies can sometimes have cheap rates for auto insurance. However, for home insurance, the companies match you with one of their partners. This means home insurance rates vary widely. Plus, bundling discounts are small, typically less than 5%.

Find the best home and auto insurance quotes

The best auto insurance and home insurance bundle is the one that gets you a good price on both policies.

Just because one company offers cheap car insurance does not mean it will also offer affordable rates for homeowners insurance, and vice versa.

Every major insurance company has bundling discounts, including:

Allstate
American Family
Amica
Auto-Owners
Erie
Esurance

Farmers
Geico
Liberty Mutual
Mercury
MetLife
Nationwide

Progressive
State Auto
State Farm
The Hartford (AARP)
Travelers
USAA

Should you bundle your home and car insurance?

Reasons to bundle:

It's more convenient: Using one company streamlines your insurance so you'll have one monthly bill.
Bundling saves you money: A bundling discount (also called a multiline discount) saves you more than 20%.
You can combine deductibles: With some insurance bundles, you will have one deductible if your home and car are damaged at the same time.
It may qualify you to buy extra liability coverage: Some companies require that you use them for both home and auto insurance before you can add on an umbrella insurance policy for extra liability coverage.
You have a high-risk property that's difficult to insure: In areas prone to floods, wildfires or other threats, you may be able to insure your high-risk home by adding the coverage on to your car insurance policy. You may be more satisfied overall: Customers that bundle their home and car insurance with one company are more satisfied overall than those without bundled policies, according to J.D. Power.

Reasons not to bundle:

Bundling doesn't always get you the best price: Sometimes you can pay less overall by combining policies from the company that gives you cheap rates for car insurance and a different company with cheap rates for home insurance.
Some companies charge a cancellation fee: Some smaller insurance companies, like Esurance and Mercury, charge a fee for canceling before your policy ends. In these cases, you could pay more to cancel than the bundling discount would save you.
You may be less likely to shop around: After bundling your insurance, you could be less likely to unbundle your policies, even if you find a better deal on home or auto insurance from a different company. This means you could pay more than you need to.
A lapse in coverage when switching will cause higher rates: If you have a gap in coverage when you switch companies, you'll likely pay more, potentially a lot more if it's a longer lapse.

When is bundling not worth it? State Farm could cost $100 per month for auto and $100 per month for home. After a $20 bundling discount, that would total $180 per month.

However, if you can find a car insurance policy from Progressive that costs $50 per month, you could pay a total of $150 if you use Progressive for car insurance and State Farm for home insurance. In this case, bundling would not help you save money.

Home and auto insurance companies by state

Insurance rates can vary widely based on where you live. Comparing personalized quotes is the best way to find good rates for your situation. Start by considering the companies that have the cheapest rates in your state.

Cheapest car and home insurance companies in each state

State	Car insurance	Home insurance
Alabama	Travelers	Farmers
Alaska	Geico	Umialik
Arizona	Progressive	State Farm
Arkansas	Shelter	State Farm
California	Geico	Mercury

Find Insurers

How to bundle your auto and home insurance

Compare rates from different companies: Comparing quotes from different companies, either online or with an insurance agent, is the best way to make sure you have the cheapest offer.

When you’re getting a quote for either car or home insurance, at the end of the quote process, the insurance company will ask if you would like to add another type of policy to your estimate.

Give your insurance 30 days’ notice: Give your insurance company at least 30 days’ written notice of your intention to cancel service; this stops the billing cycle for your old insurance company and gives your new company time to process your paperwork. Specify when you want your new policy to begin, to avoid a lapse in coverage.

The trickiest part of bundling your insurance is transitioning from your old to your new insurance policy without a lapse in coverage.

Keep shopping for quotes regularly: In order to keep the lowest rate on insurance, you want to check other companies' rates. While the company you are with might be the cheapest right now, rates can change drastically from year to year, and checking around can ensure you are always getting the cheapest quotes.

Other home and auto insurance companies to consider:

Best home insurance

Best auto insurance

Frequently asked questions

How much do you save with a home and auto insurance bundle?

Bundling your car and home insurance can save you 14% to 23%, depending on the company you choose. State Farm has the cheapest rates, at an average of $272 per month for a home and auto insurance bundle after a 23% discount.

What types of insurance policies can I bundle?

You can get a bundle discount for a wide range of policies, including home, auto, motorcycle, life and renters insurance. However, the most common bundle offered by insurers includes home and auto insurance.

What are the best home and auto insurance bundles?

State Farm has the cheapest and best home and auto insurance bundle, at an average of $272 per month.

Should I bundle my home and auto insurance?

You should bundle your insurance if the bundling discount helps you pay less than if you were to use two companies. Bundling also lets you streamline your bills, and you may only have to pay one deductible if there's an incident that damages both your home and car.

Methodology

ValuePenguin studied homeowners and auto insurance quotes from major insurance companies to see how base rates and bundling discounts impact total insurance costs. Average rates are based on quotes for all ZIP codes in Texas, Illinois and Pennsylvania.

Auto insurance rates are based on a full coverage policy for a 30-year-old man who has good credit, has a clean driving history and drives a 2018 Honda Civic EX. Homeowners insurance rates are based on the median home value in each state. Other data sources include J.D. Power and the National Association of Insurance Commissioners (NAIC).

Insurance rate data is from Quadrant Information Services and is publicly sourced from insurer filings. Rates are for comparative purposes only. Your rates may be different.

About the Author

Ben Breiner is the Managing Editor of ValuePenguin/LendingTree's insurance vertical. He oversees a team of writers who focus on guiding readers through the rigors of home and auto coverage. He still loves that moment when the words fall together and he can translate an intimidating topic so a reader can make the best choice.

Ben got involved in insurance in 2021 when he joined ValuePenguin. He moved up from writer to editor and watched the team grow to expand the ways it helps consumers. Before that, he spent a decade as a sportswriter for newspapers in the Southeast and Midwest.

Ben had to put off buying his first car because of high insurance rates, so he's keenly aware how the wrong policy can get in the way of your goals. He should've shopped around and looked to the experts.

Insurance tip

Always keep an eye out for insurance you can load up on at a low price. A lot more liability coverage won't break the bank and protects your hard-earned assets.

Expertise

Car insurance
Home insurance
Renters insurance

Education

BA, Economics and Journalism, University of Wisconsin-Madison

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.