Best and Cheapest Home and Auto Bundle Companies in California (2024)

As part of its ratings, MoneyGeek evaluated combination insurance providers for their affordability, service quality and discounts.

Based on our analysis, the best auto and home insurance in California are:

• State Farm: MoneyGeek score of 81 out of 100
• Allstate: MoneyGeek score of 77 out of 100

In terms of home and auto satisfaction, State Farm and Allstate both scored highly, making them the top picks in terms of the most widely available insurers in California. However, State Farm ranked higher in terms of its discount score.

Although USAA is not available to the general public, military veterans and their families can benefit greatly from it. According to our rankings, it has the highest rating and would be our first choice for home and auto bundles in California if it were widely available.

California residents receive an average annual discount of $246 off their bundled home and auto insurance policies, which is around 9% of the total cost. MoneyGeek's research indicates that Farmers offers the largest discount rates at approximately 9%. On the other hand, Allstate is the most widely available insurance company, with the lowest bundling rate at around 5%. USAA offers the lowest bundling discount for military members at roughly 4%.

Be aware that companies with the biggest bundle discounts aren't necessarily the cheapest or best options. Allstate, for example, offers the most affordable home and auto insurance bundle in California at $1,883. However, when compared other California insurance companies, its average discount rate is much lower.

Assuming no discounts are available, the cheapest home and auto insurance in California is offered by:

• Allstate: $1,883 per year
• State Farm: $2,376 per year

Costing around $1,953 per year, USAA is the second least expensive in the state. However, due to its eligibility requirements, we excluded it from our list.

In some cases, bundling your home and auto policies is not the most affordable solution. Combining policies from two insurance providers can sometimes result in greater savings.

Among California's paired home and auto insurance policies, Allstate and Travelers offer the cheapest rates. These non-bundles cost an average of $2,125 annually. An auto insurance policy from Allstate costs approximately $1,321, and a home insurance policy from Travelers costs around $804. Even though this is more expensive than the lowest-priced bundled insurance in California (offered by Allstate for around $1,883 annually), your rates may differ depending on your situation.

Although California recommends bundling your auto and home insurance policies, you may find lower premiums with separate policies. Comparing multipolicy and non-bundling rates among different providers can help you choose the best one that matches your needs.