Below are our picks for the best home and auto insurance bundling companies in California:
Best Home and Auto Insurance California
Updated: December 17, 2024
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Key Takeaways
The best home and auto insurance companies in California are USAA, Auto-Owners, Travelers, Allstate and State Farm.
With average bundle savings of 15% on auto insurance and 26% on home insurance, Travelers offers the best home and auto insurance discount in California.
Home and auto insurance in California costs around $2,453 per year, which is 21% cheaper than the national average.
Who Offers the Best Home and Auto Insurance Bundles in California?
| USAA | 96 | $2,155 | $354 |
| Auto-Owners Insurance Co | 87 | $2,635 | $401 |
| Travelers | 85 | $2,421 | $546 |
| Allstate | 82 | $2,074 | $92 |
| State Farm | 82 | $2,336 | $634 |
| Nationwide | 77 | $2,771 | $900 |
| Progressive | 72 | $2,230 | $334 |
| Farmers | 68 | $3,004 | $672 |
Travelers: Best Cheap Home and Auto Insurance in California
Travelers offers the most affordable home and auto insurance rates, making it our top recommendation for non-military drivers in California. Among the providers reviewed, it stands out for offering the widest variety of discounts for both policy types, including a generous 18% savings for bundling.
| Auto | $1,541 | $410 | 21% |
| Home | $795 | $224 | 22% |
USAA: Best Home and Auto Insurance in California for Military
USAA is the top choice for home and auto insurance for military personnel and their families, offering the second most affordable rates in the state. USAA provides several discounts and specialized coverage options, including a pay-per-mile insurance program through Noblr, a USAA subsidiary. This program utilizes an app to monitor driving habits and mileage, offering customized pricing tailored to low-mileage drivers.
| Auto | $1,125 | $147 | 12% |
| Home | $1,029 | $207 | 17% |
State Farm: Best Home and Auto Insurance Coverage in California
Although State Farm is one of the pricier options for bundling home and auto insurance, it compensates with significant savings opportunities and an extensive range of add-on coverage options. Customers can benefit from a bundling discount of up to 21%, alongside one of the most comprehensive selections of discounts for homeowners policies. State Farm also stands out with unique coverage features, including disappearing deductibles, accident forgiveness and home equipment breakdown protection — options that set it apart from other providers.
The company's Drive Safe & Save® program, a usage-based insurance plan, offers immediate savings upon enrollment and the potential to reduce premiums by up to 30% through safe driving habits.
| Auto | $1,892 | $622 | 25% |
| Home | $879 | $278 | 24% |
California Home and Auto Insurance Cost
In California, the average monthly cost for home and auto insurance is $204, making it $54 less expensive than the national average. Rates, however, can vary significantly based on the provider, ranging from $173 to $250 per month.
| California Home and Auto Insurance Bundle | $2,453 | $640 | -21% |
| National Home and Auto Insurance Bundle | $3,094 | $0 | 0% |
California Home and Auto Insurance Quotes Without Bundling
Our analysis shows that purchasing separate policies in California tends to cost more, though your individual quotes might vary. To help you compare, we've listed average rates for various coverage options from our top providers, ranked from the least to the most expensive, excluding bundling.
| USAA | Allstate | $1,935 |
| USAA | Travelers | $2,124 |
| Progressive | Allstate | $2,232 |
| USAA | Progressive | $2,266 |
| USAA | State Farm | $2,291 |
| Allstate | Travelers | $2,356 |
| USAA | Auto-Owners Insurance Co | $2,362 |
| USAA | Farmers | $2,405 |
| Progressive | Travelers | $2,421 |
| USAA | Nationwide | $2,429 |
| Allstate | Progressive | $2,498 |
| Allstate | State Farm | $2,523 |
| Progressive | State Farm | $2,589 |
| Allstate | Auto-Owners Insurance Co | $2,594 |
| Auto-Owners Insurance Co | Allstate | $2,609 |
| State Farm | Allstate | $2,614 |
| Allstate | Farmers | $2,636 |
| Progressive | Auto-Owners Insurance Co | $2,659 |
| Allstate | Nationwide | $2,661 |
| Progressive | Farmers | $2,702 |
| Progressive | Nationwide | $2,726 |
| Allstate | USAA | $2,741 |
| Travelers | Allstate | $2,779 |
| Auto-Owners Insurance Co | Travelers | $2,798 |
| State Farm | Travelers | $2,802 |
| Progressive | USAA | $2,806 |
| Auto-Owners Insurance Co | Progressive | $2,941 |
| State Farm | Progressive | $2,945 |
| Auto-Owners Insurance Co | State Farm | $2,966 |
| State Farm | Auto-Owners Insurance Co | $3,041 |
| Auto-Owners Insurance Co | Farmers | $3,079 |
| State Farm | Farmers | $3,083 |
| Auto-Owners Insurance Co | Nationwide | $3,103 |
| State Farm | Nationwide | $3,107 |
| Travelers | Progressive | $3,110 |
| Travelers | State Farm | $3,135 |
| Nationwide | Allstate | $3,177 |
| Auto-Owners Insurance Co | USAA | $3,183 |
| State Farm | USAA | $3,187 |
| Travelers | Auto-Owners Insurance Co | $3,206 |
| Farmers | Allstate | $3,206 |
| Travelers | Farmers | $3,249 |
| Travelers | Nationwide | $3,273 |
| Travelers | USAA | $3,353 |
| Nationwide | Travelers | $3,366 |
| Farmers | Travelers | $3,395 |
| Nationwide | Progressive | $3,508 |
| Nationwide | State Farm | $3,533 |
| Farmers | Progressive | $3,537 |
| Farmers | State Farm | $3,563 |
| Nationwide | Auto-Owners Insurance Co | $3,604 |
| Farmers | Auto-Owners Insurance Co | $3,633 |
| Nationwide | Farmers | $3,647 |
| Farmers | Nationwide | $3,700 |
| Nationwide | USAA | $3,751 |
| Farmers | USAA | $3,780 |
Should I Bundle Home and Auto Insurance in California?
In California, combining your home and auto insurance with the same provider is typically more cost-effective than buying separate policies from different companies. Still, it’s important to assess your coverage requirements and budget to decide what works best for your circumstances.
Bundling Discounts Save You More Than Individual Policies
The most affordable home and auto insurance without bundling costs $2,232 per year, whereas bundling reduces the expense to $2,074 annually.
Bundling Makes Policy Management Convenient
Combining your insurance policies simplifies management by consolidating them under one account.
In Rare Cases, It Might Be Better Not to Bundle in California
Opting for separate insurance policies might not maximize savings, but it can offer greater flexibility in choosing coverage options.
Best Auto and Home Insurance in California: Bottom Line
Our research identified USAA, Auto-Owners, Travelers, Allstate and State Farm as the top home and auto insurance providers in California. While bundling generally offers greater savings compared to purchasing policies individually, compare quotes from several insurers to find the best option tailored to your needs.
Home and Auto Insurance California: FAQ
Here are MoneyGeek’s expert insights addressing common questions about home and auto insurance in California:
Who has the best home and auto insurance in California?
USAA is the leading choice for military drivers in California, while Travelers stands out as the best option for the general population. Both providers offer an excellent combination of competitive pricing, quality customer service, and comprehensive coverage options for home and auto insurance in California and across the country.
Who has the cheapest home and auto insurance in California?
Allstate offers the cheapest home and auto insurance in California, costing only $2,074 annually on average.
How much does home and auto insurance in California cost on average?
Home and auto insurance in California costs 21% less than the national average for bundling at $2,453 per year. Depending on the provider you choose, costs can range anywhere from $2,154 to $3,004 annually.
Is bundling home and auto insurance cheaper in California?
According to our analysis, bundling home and auto insurance in California is typically more cost-effective on average.
Best Auto and Home Insurance Bundle in California: Our Methodology
MoneyGeek used data from the California Department of Insurance and Quadrant Information Services to calculate the rates for home and vehicle insurance.
Bundle Scoring System
We supplemented this data with customer satisfaction ratings from leading consumer-reporting agencies, including AM Best and J.D. Power, to generate individual scores for home insurance and auto insurance. Information on each insurer’s bundle discounts was also obtained to evaluate insurers for their savings potential.
Using this information, we calculated a “bundle score” out of 100, taking into account the following weighted categories:
- Score for home insurance: 40%
- Score for auto insurance: 40%
- Score for discounts: 20%
Car, Home and Buyer Profile in California
MoneyGeek's typical profile is as follows:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12K miles driven annually
- A home with a construction year of 2000
Coverage Levels in California
MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:
- $100,000 in property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.