State Farm, Allstate, and USAA offer the best home and auto bundle policies. 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.
Best Home and Auto Insurance Bundle: Save up to 25%
Updated: April 13, 2025
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Key Takeaways
State Farm has the best home and auto insurance bundle in MoneyGeek's ranking. USAA offers the second best bundle for military families that qualify.
The best home and auto bundle companies varies by state, with companies like Farmers, Allstate and Nationwide offering the best rates in certain regions.
In some cases, unbundling may be cheaper. For example, Nationwide auto insurance combined with Progressive home insurance may cost less than certain bundled options. Bundling is not always the best choice, but bundles genearlly give you the best rates with an average savings of $497 per year.
Best Home and Auto Insurance Bundles
| USAA | 73 | 4 | 5 | $2,681 |
| State Farm | 64 | 3 | 4 | $2,559 |
| Travelers | 64 | 4 | 4 | $5,285 |
| Nationwide | 62 | 3 | 4 | $3,470 |
| Allstate | 61 | 3 | 4 | $3,147 |
| Farmers | 58 | 3 | 4 | $3,640 |
Best Home and Auto Bundle Overall: State Farm
State Farm
Affordability Score4.00
Stability Score5.00
Claims Score2.00
Coverage Score3.00
Customer Satisfaction4.00
Overview
Our research shows State Farm offers the cheapest home and auto insurance bundle at $2,559 per year. They give a 25% discount when you combine policies – the biggest discount we found among major insurers. This saves customers about $847 per year compared to buying separate policies, making State Farm much cheaper than competitors for most homeowners.
Our Experience with State Farm's Home & Auto Bundle
We found State Farm's bundles easy to manage through their app or website. Their local agents are helpful when you need to adjust both policies or have questions. One standout feature: if your home and car are damaged in the same event (like a storm), you may only pay one deductible instead of two, which could save you thousands when you need it most.
What Customers Say About State Farm's Bundles:
- They like the easier claims process when both home and car are damaged
- Many appreciate having just one bill for both policies
- Local agents who know both policies provide better service
- Bundle customers often report getting faster attention during claims
- Some mention occasional delays after major storms when claims are high
State Farm Coverages and Discount Offerings
State Farm's Car Insurance Offerings:
- Minimum coverage
- Comprehensive and collision coverages
- Uninsured/underinsured motor vehicle coverage
- Personal injury protection (PIP)
- Telematics/usage-based insurance
- Emergency road service coverage
- Car rental and travel expense coverage
- Medical payments coverage
- Rideshare driver coverage
State Farm's Home Insurance Offerings:
- Personal property insurance
- Liability insurance
- Fungus and mold insurance
- Building ordinance or law insurance
- Backup of sewer or drain
- Earthquake insurance
- Identity theft insurance
- Loss assessment
- Service line insurance
- Energy efficiency upgrade
- Home systems protection
- Home rental insurance
- Vacancy insurance
- Loss of use
- Personal umbrella insurance
State Farm's Discount Offerings:
Home Insurance
- Claim forgiveness
- Claims-free
- Continuously insured
- Home renovation
- New home
- Protective device
- Roofing material
Car Insurance
- Airbag
- Anti-lock brakes
- Anti-theft system
- Daytime running lights
- Defensive driving
- Distant student
- Driver’s education
- Good student
- Multiple car
- New vehicle
- Safe driving
- Senior driver
Best Home and Auto Insurance Discounts: Travelers
Travelers
Affordability Score4.00
Stability Score5.00
Claims Score3.00
Coverage Score4.00
Customer Satisfaction4.00
Overview
Our analysis shows Travelers offers home and auto insurance bundles at an average annual cost of $5,285. While this makes them the most expensive provider in our comparison, they provide an 11% discount when bundling policies, which helps offset some of the cost. For customers looking for extensive coverage options rather than the lowest price, Travelers may still be worth considering.
Our Experience with Travelers' Home & Auto Bundle
We found Travelers stands out for their impressive range of coverage add-ons across both policies. Their bundle interface makes it easy to see how your coverages complement each other. Their comprehensive package options let you customize protection beyond standard policies, though you'll pay more for this flexibility compared to more budget-friendly insurers.
What Customers Say About Travelers' Bundles:
- They appreciate the comprehensive coverage options that protect both home and vehicle
- Many value the identity theft protection that comes with bundled policies
- Customers like the simplified claims process when filing for both policies
- Some mention the higher cost is worth it for the additional coverage
- A few note that customer service can be inconsistent depending on your local agent
Travelers Coverages and Discount Offerings
Travelers' Car Insurance Offerings:
- Minimum coverage
- Uninsured/underinsured motorist coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP insurance)
- Medical payments coverage
- Accident forgiveness
- Gap insurance
- New car replacement
- Rental car and/or travel reimbursement
- Rideshare insurance
- Roadside assistance
Travelers' Home Insurance Offerings:
- Dwelling coverage
- Personal property coverage
- Loss of use coverage
- Personal liability coverage
- Other structures coverage
- Contents replacement cost
- Extended reimbursement
- Scheduled personal property
- Water backup and sump pump discharge or overflow
- Identity fraud
- Green home coverage
Travelers' Discount Offerings:
Home Insurance
- Homebuyer
- Claims-free
- Protective device
- Green home
Car Insurance
- Affinity organization
- Alternative energy
- Distant student
- Driver’s education
- Early signing
- Good student
- Homeowners
- Loyalty
- Multiple car
- New vehicle
- Paperless
- Pay in full
- Safe driving
Best Home and Auto Insurance Bundle for Military: USAA
USAA
Affordability Score5.00
Stability Score5.00
Claims Score3.00
Coverage Score3.00
Customer Satisfaction5.00
Overview
Our research shows USAA offers home and auto insurance bundles at an average annual cost of $2,681. Their 8% bundling discount is smaller than some competitors, but their already competitive base rates make the combined price very affordable, especially for military families. USAA ranks consistently high in our customer satisfaction metrics, making them an excellent value despite a modest bundling discount.
Our Experience with USAA's Home & Auto Bundle We found USAA's bundle management exceptionally straightforward through their highly-rated app and website. Their representatives understand the unique needs of military families, particularly during deployments or relocations. A standout feature: USAA offers special bundle considerations for deployed service members, including vehicle storage discounts and flexible policy adjustments when stationed overseas.
What Customers Say About USAA's Bundles:
- They consistently praise the seamless claims process across both home and auto policies
- Military families appreciate representatives who understand their unique lifestyle challenges
- Many highlight the competitive pricing compared to civilian-focused insurers
- Customers value the easy policy adjustments during PCS moves and deployments
- Some note that eligibility requirements (military affiliation) limit who can access these benefits
Best Cheap Home and Auto Insurance Bundle: Allstate
Allstate
Affordability Score4.00
Stability Score4.00
Claims Score2.00
Coverage Score4.00
Customer Satisfaction3.00
Overview
Our analysis shows Allstate offers home and auto insurance bundles at an average annual cost of $3,147. They provide a significant 13% discount when combining policies, resulting in savings of approximately $468 per year compared to purchasing separate policies. While not the cheapest option, Allstate's bundle provides a good balance of coverage and value with competitive pricing.
Our Experience with Allstate's Home & Auto Bundle We found Allstate's bundled policies easy to manage through both their user-friendly app and their network of local agents. Their bundle dashboard clearly shows how discounts are applied across both policies. A standout feature: Allstate offers more optional coverages than many competitors, including home rental protection and specialized coverage for antique cars, making them ideal for customers with unique insurance needs.
What Customers Say About Allstate's Bundles:
- They appreciate the "Good Hands" approach that provides consistent service across both policies
- Many value having a dedicated local agent who handles both home and auto coverage
- Customers like the Drivewise and Allstate Digital Footprint features available to bundle customers
- Bundle customers report strong satisfaction with claim handling, especially for weather-related events
- Some mention slightly higher than average prices but feel the service quality justifies the cost
Allstate Coverages and Discount Offerings
Car Insurance Offerings From Allstate:
- Liability-only coverage
- Comprehensive and collision coverage
- Medical payments coverage
- Uninsured motor vehicle coverage
- Roadside assistance coverage
- Personal injury protection
- Personal umbrella policy
- Rental reimbursement coverage
- Auto replacement protection
- Sound system and portable electronics coverage
- Comprehensive and or collision coverage for custom equipment
- Accident forgiveness
- Deductible modification
- Gap insurance
- New car replacement
- Rideshare
- Antique/classic car insurance
Home Insurance Offerings From Allstate:
- Home rental insurance
- Identity theft insurance
- Backup of sewer or drain
- Personal property insurance
- Energy efficiency upgrades
- Yard and garden insurance
- Mold and fungus insurance
- Building ordinance or law insurance
- Extended reimbursement
- Scheduled personal property
- Cyber event/ID theft
Discount Offerings From Allstate:
Home Insurance
- Claim forgiveness
- Claims free
- Deductible rewards
- Automatic payment
- Loyalty
- Homebuyer
- New home
- Responsible payment
- Early payment
- Protective device
Car Insurance
- Anti-lock brakes
- Anti-theft system
- Automatic payment
- Distant student
- Driver’s education
- Early signing
- Good student
- New vehicle
- Paperless
- Pay in full
- Responsible payment
- Safe driving
Best Home and Auto Insurance Bundle by State
The best home and auto insurance bundle depends on your state, as pricing, customer satisfaction and coverage options vary by location. See the table below to find the best company in your state, and click your state for more details on the best insurer for your needs.
| Alabama | Farmers | $1,868 |
| Alaska | Allstate | $2,382 |
| Arizona | Farmers | $2,769 |
| Arkansas | Farmers | $3,089 |
| California | Farmers | $3,004 |
| Colorado | Farmers | $6,058 |
| Connecticut | State Farm | $2,163 |
| Delaware | State Farm | $1,759 |
| District of Columbia | State Farm | $2,005 |
| Florida | Nationwide | $3,940 |
| Georgia | Allstate | $2,726 |
| Hawaii | State Farm | $1,063 |
| Idaho | Farmers | $1,723 |
| Illinois | Allstate | $2,280 |
| Indiana | Farmers | $2,536 |
| Iowa | Allstate | $2,366 |
| Kansas | Farmers | $4,235 |
| Kentucky | State Farm | $2,434 |
| Louisiana | Allstate | $6,976 |
| Maine | Allstate | $2,128 |
| Maryland | Nationwide | $3,275 |
| Massachusetts | Allstate | $3,443 |
| Michigan | Farmers | $11,240 |
| Minnesota | State Farm | $2,386 |
| Mississippi | Nationwide | $9,496 |
| Missouri | Allstate | $4,064 |
| Montana | Farmers | $4,058 |
| Nebraska | Farmers | $4,171 |
| Nevada | Farmers | $2,474 |
| New Hampshire | Allstate | $1,670 |
| New Jersey | State Farm | $2,710 |
| New Mexico | Farmers | $2,637 |
| New York | Allstate | $3,701 |
| North Carolina | Nationwide | $2,594 |
| North Dakota | Farmers | $2,498 |
| Ohio | Farmers | $2,089 |
| Oklahoma | Farmers | $6,714 |
| Oregon | Farmers | $2,079 |
| Pennsylvania | Nationwide | $2,575 |
| Rhode Island | Allstate | $3,409 |
| South Carolina | Travelers | $5,594 |
| South Dakota | Farmers | $2,870 |
| Tennessee | Travelers | $6,709 |
| Texas | Nationwide | $6,677 |
| Utah | Farmers | $1,696 |
| Vermont | Allstate | $1,337 |
| Virginia | Allstate | $3,093 |
| Washington | Farmers | $2,411 |
| West Virginia | Allstate | $2,269 |
| Wisconsin | Farmers | $1,774 |
| Wyoming | Allstate | $3,372 |
Cheapest Home and Auto Insurance Bundles
State Farm has 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 policies.
| State Farm | $2,559 | $213.28 |
| Allstate | $3,147 | $262.24 |
| Progressive | $3,380 | $281.66 |
| Nationwide | $3,470 | $289.18 |
| Farmers | $3,640 | $303.37 |
| Travelers | $5,285 | $440.42 |
Companies With the Biggest Auto and Home Bundle Discount
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%. See the table below to compare discounts and find the best and cheapest bundle for you.
| State Farm | $2,559 | $3,407 | $847 | 25% | 1 |
| Farmers | $3,640 | $4,404 | $764 | 17% | 2 |
| Nationwide | $3,470 | $4,070 | $600 | 15% | 4 |
| Allstate | $3,147 | $3,615 | $468 | 13% | 7 |
| Travelers | $5,285 | $5,956 | $671 | 11% | 8 |
| USAA | $2,681 | $2,903 | $222 | 8% | 11 |
| Progressive | $3,380 | $3,603 | $223 | 6% | 12 |
Buyer's Guide to Get the Best Home and Auto Bundle
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.
How to Bundle Home and Auto Insurance the Right Way
Follow these steps to maximize your savings with a car and homeowners insurance bundle:
- 1
Know your coverage
Review your current policies to determine your coverage level. Then, you can get quotes for the same coverage limits.
- 2
Get and compare quotes
Contact your current insurance company. Then, compare at least three other insurance companies for home and auto coverage. Ask for bundle quotes and individual quotes to compare. Be sure to compare equal coverage levels from each company.
- 3
Ask about discounts and deductibles
Ask insurers about available discounts to maximize your savings. Some companies also provide a single deductible for home and car damage if both are affected by the same incident.
- 4
Consider customer service and claims handling
A low premium isn’t the only factor — look at customer satisfaction ratings and claims processing times to ensure reliable service.
- 5
Shop annually
Rates frequently change, so complete this process every year or two to ensure you get the best deal.
Compare the Best Bundle Insurance Companies
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.
Features | State Farm | USAA | Allstate | Travelers |
|---|---|---|---|---|
Annual Bundle Cost | $2,559 | $2,681 | $3,147 | $5,285 |
Bundle Discount | 25% ($847 savings) | 8% ($222 savings) | 13% ($468 savings) | 11% ($671 savings) |
Mobile App Rating | 4.8/5.0 | 4.9/5.0 | 4.2/5.0 | 3.7/5.0 |
Claims Process Rating | 4.7/5.0 | 4.9/5.0 | 4.2/5.0 | 3.9/5.0 |
Customer Satisfaction | 4.5/5.0 | 4.8/5.0 | 4.1/5.0 | 3.8/5.0 |
Key Strengths | Highest discount, single deductible benefit | Military-specific benefits, best service | Most coverage options, strong agent network | Extensive coverage add-ons |
Drawbacks | Fewer digital tools | Limited eligibility | Slightly higher pricing | Highest premiums, limited availability |
Best For | Most households seeking value | Military families | Those wanting customizable coverage | Those needing specialty coverages |
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Bundled vs. Unbundled Car Insurance: Cost Comparison
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.
| State Farm | $1,584 | $1,823 | $3,407 | $1,335 | $1,224 | $2,559 |
| USAA | $956 | $1,947 | $2,903 | $909 | $1,773 | $2,681 |
| Allstate | $1,728 | $1,888 | $3,615 | $1,557 | $1,590 | $3,147 |
| Progressive | $1,895 | $1,708 | $3,603 | $1,693 | $1,687 | $3,380 |
| Nationwide | $1,516 | $2,555 | $4,070 | $1,310 | $2,160 | $3,470 |
| Farmers | $2,184 | $2,221 | $4,404 | $1,815 | $1,826 | $3,640 |
| Travelers | $1,667 | $4,288 | $5,956 | $1,488 | $3,797 | $5,285 |
Best Auto and Home Insurance Bundles: Bottom Line
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: FAQ
Home and auto insurance bundles are among the most common discounts in the insurance industry. Below are answers to frequently asked questions about them:
Who offers the best home and auto insurance bundles?
State Farm offers the best home and auto insurance bundle, costing an average of $2,559 annually and earning a MoneyGeek score of 64 out of 100.
Who offers the cheapest home and auto bundles?
State Farm offers the most affordable home and auto bundle at an average annual rate of $2,559. Allstate follows with premiums averaging $3,147.
Can you save on insurance if you bundle?
You can save around 13% on your premiums if you bundle auto and home insurance with the same provider.
What policies can I bundle together?
Comparison shopping is the best way to determine a provider's policies for bundling. Common policies that can be bundled include:
- Car insurance
- Homeowners insurance
- Renters insurance
- Motorcycle insurance
- Boat insurance
- Recreational vehicle insurance (motorhomes, trailers, campers, etc.)
- Life insurance
How do I cancel my insurance and bundle with another company?
Before switching your car insurance or home insurance policy, compare quotes from other companies to ensure you get the rates and service you need. Purchase your new policy before canceling the old one to avoid a costly lapse in coverage. You can cancel your previous policy after securing a new one. However, check for cancellation fees or requirements, such as providing a formal letter.
What information do you need to bundle your policies?
Bundling policies requires the same personal information as applying for individual policies. Typically, you'll need:
- Your personal details, including pet information
- Car details like VIN, registration, mileage, make and model
- Driving history
- Property address
- Property appraisal details
- Lender agreements
- Previous insurance information
- A list of safety features in your home
Does GEICO offer home and auto bundles?
Yes, GEICO offers home and auto insurance bundles through their partnership with homeowners insurance providers. GEICO typically allows you to bundle auto insurance with homeowners, renters, condo, mobile home, and landlord insurance policies. They also offer multi-vehicle discounts if you insure more than one car with them. Bundling these policies can typically result in discounts on both your auto and home insurance premiums, but GEICO wasn't the cheapest option in our analysis.
Is GEICO or State Farm better for home and auto bundles?
Our analysis found that State Farm was cheaper overall and offered a discount up to 25%
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Home and Car Insurance Bundle Ratings: Our Review Methodology
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.
Best Home and Auto Insurance Bundles: Related Pages
NEED MORE CAR AND HOME INSURANCE RESOURCES?
MoneyGeek provides dedicated resources for individually comparing the best home and auto insurance companies. A key step in bundling is comparing individual and bundled quotes to determine which option offers better savings and value.
Our calculators offer the fastest way to compare quotes for individual policies:
If you want to learn more about the best and cheapest car and home insurance, read our guides:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.