Best Home and Auto Insurance Bundles

State Farm and Travelers offer the best home and auto insurance bundles, both with a MoneyGeek score of 64 out of 100. The rankings consider the best auto insurance and the best home insurance scores and the savings from bundling compared to purchasing separate policies. The table below provides a detailed breakdown of scores and costs.

The best home and auto insurance bundle depends on your state, as pricing, customer satisfaction and coverage options vary. Check the table below to find the top-ranked provider in your state, and click your state for more details on the best insurer for your needs.

State Farm offers the cheapest home and auto insurance bundle at $2,559 annually, with Allstate following at $3,147. You can reduce premiums further by using available home and auto insurance discounts. The table below compares the most affordable bundle options.

Bundling home and auto insurance can save you around $496 annually, but discounts vary by provider. State Farm offers the largest discount at 25%, followed by Farmers at 17% and Nationwide at 15%. Use the table below to compare discounts and find the best balance between savings and overall cost.

Bundling home and auto insurance saves policyholders about 13% on premiums while simplifying coverage with one provider. State Farm offers the best and cheapest bundle at $2,559 per year, combining affordability and service.

In some cases, separate policies can be cheaper. For example, Nationwide auto insurance and Progressive home insurance cost $3,224 annually — less than Progressive’s bundle but more than State Farm’s or Allstate’s. Some bundles, like Travelers' at $5,285 per year, are much more expensive, making separate policies a better option for certain drivers.

To find the most cost-effective coverage, compare quotes for bundling and separate policies, especially if you have poor credit or a bad driving record.

Before bundling your home and auto insurance, compare quotes for auto and home insurance separately to find the best rates. Use our calculators to compare costs from top providers quickly. Once you’ve identified the most affordable options, contact insurers to ask about bundling discounts and see how much you can save.

Bundling home and auto insurance often provides the most savings, but separate policies from different providers can sometimes be cheaper. Nationwide auto insurance combined with Progressive home insurance, at $3,224 per year, is the only nationally available option that rivals top bundle rates. Check the table below to compare bundled and unbundled costs and determine which option offers the best savings for you.

This page examines the best home and auto insurance bundles, compares discounts and explores when bundling makes sense to help you make informed choices. Bundling is a great way to save money while simplifying coverage under one provider. State Farm offers the best and most affordable bundle, with an average annual premium of $2,559 and a 25% discount.

On average, bundling saves policyholders about $496 per year, though savings vary by insurer. To find the best deal, compare providers, review discounts and choose a company that combines cost savings with excellent customer service.

Home and auto insurance bundles are among the most common discounts in the insurance industry. Below are answers to frequently asked questions about them:

We analyzed quotes and data to create a scoring system that evaluates rate affordability, customer satisfaction and financial stability for home and auto insurance. This analysis helped identify the best and most affordable bundles nationally and by state.

Study Overview

MoneyGeek evaluated quotes, customer satisfaction ratings and financial stability to find the top options for bundling home and auto insurance policies.

Data Acquisition, Depth and Analysis

We gathered affordability data from Quadrant Information Services and state insurance departments, alongside information from consumer reporting agencies like J.D. Power for customer service and AM Best for financial stability.

Using hundreds of quotes from the largest insurers, we developed a weighted scoring system to rank insurers and bundle packages. The scoring criteria and weights include:

• Auto insurance customer satisfaction: 15%
• Home insurance customer satisfaction: 15%
• Financial stability: 15%
• Affordability: 55%

Driver Profile

The average driver profile used in the analysis includes:

• 40-year-old male
• Clean driving record
• Comprehensive and collision coverages of 100/300/100 with a $1,000 deductible
• 2010 Toyota Camry LE
• 12,000 miles driven annually

The sample policy includes $100,000 bodily injury liability per person, $300,000 per accident and $100,000 property damage liability. We adjusted the geographic location for state-specific data.

Home Profile

The standard home profile includes:

• Built in 2000
• Frame construction with a composition roof
• Within three miles of a fire department
• Other structures valued at 10% of the dwelling coverage
• Personal property coverage at 40% of dwelling coverage
• Liability limit of $100,000
• $1,000 deductible

We modified the geographic location to gather state-specific home and bundle quotes.

Learn more about MoneyGeek's auto insurance and home insurance methodologies.