Below are our picks for the best home and auto insurance bundling companies in California.
Best Home and Auto Insurance in California
Updated: April 4, 2025
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Key Takeaways
Allstate, USAA and Progressive are the top home and auto insurance companies in California.
USAA offers the best home and auto insurance discount in California, saving customers 17% on home and 12% on auto insurance.
Residents pay an average of $2,453 annually for home and auto insurance, about 21% less than the national average.
Who Offers the Best Home and Auto Insurance Bundles in California?
| USAA | 96 | $2,155 | $354 |
| Auto-Owners | 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 |
Allstate: Best Cheap Home and Auto Insurance in California
Allstate offers the most affordable home and auto insurance rates in California, with over 20% savings when bundling. Its Drivewise program can save up to 40% on car insurance. Allstate also scored well for customer experience and financial stability in MoneyGeek's analysis.
| Auto | $1,477 | $27 | 2% |
| Home | $598 | $65 | 10% |
USAA: Best Home and Auto Insurance in California for Military
USAA is the top choice for home and auto insurance in California, but it’s available only to military members and their families. Bundling with USAA saves 12% on auto insurance and 17% on home insurance. Customers can also use USAA's SafePilot® telematics program for additional savings. J.D. Power ranks USAA as the top provider for both home and auto insurance.
| Auto | $1,125 | $147 | 12% |
| Home | $1,029 | $207 | 17% |
Progressive: Best Home and Auto Insurance Coverage Options in California
Progressive offers the third-lowest home and auto insurance rates, along with various discounts. Its SnapShot program can save up to 40% on car insurance. Progressive's unique coverage options include rideshare, custom parts and pet injury coverage.
| Auto | $1,347 | $223 | 14% |
| Home | $883 | $112 | 11% |
California Home and Auto Insurance Cost
California residents pay around $204 monthly for home and auto insurance, which is cheaper than the national average of $258. Monthly rates vary by insurer, ranging from $173 to $250.
| 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 research shows that not bundling home and auto insurance is more expensive in California, but your quotes may vary. Below are the average costs of all coverage combinations without bundling, from the most affordable to the priciest, using our top providers.
| 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 | $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 | $2,594 |
| Auto-Owners | Allstate | $2,609 |
| State Farm | Allstate | $2,614 |
| Allstate | Farmers | $2,636 |
| Progressive | Auto-Owners | $2,659 |
| Allstate | Nationwide | $2,661 |
| Progressive | Farmers | $2,702 |
| Progressive | Nationwide | $2,726 |
| Allstate | USAA | $2,741 |
| Travelers | Allstate | $2,779 |
| Auto-Owners | Travelers | $2,798 |
| State Farm | Travelers | $2,802 |
| Progressive | USAA | $2,806 |
| Auto-Owners | Progressive | $2,941 |
| State Farm | Progressive | $2,945 |
| Auto-Owners | State Farm | $2,966 |
| State Farm | Auto-Owners | $3,041 |
| Auto-Owners | Farmers | $3,079 |
| State Farm | Farmers | $3,083 |
| Auto-Owners | Nationwide | $3,103 |
| State Farm | Nationwide | $3,107 |
| Travelers | Progressive | $3,110 |
| Travelers | State Farm | $3,135 |
| Nationwide | Allstate | $3,177 |
| Auto-Owners | USAA | $3,183 |
| State Farm | USAA | $3,187 |
| Travelers | Auto-Owners | $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 | $3,604 |
| Farmers | Auto-Owners | $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, bundling home and auto insurance is usually more affordable than buying them separately. Assess your coverage needs and financial situation to find the best option.
Bundling discounts save you more than individual policies
Bundling home and auto insurance is generally cheaper in California, as most companies offer discounts for having both policies. Discounts from major providers range from $330 to $900.
Bundling makes policy management convenient
Bundling insurance policies makes managing your insurance easier since it’s through a single account, leading to fewer bills and less hassle.
In rare cases, it might be better not to bundle in California
Purchasing a nonbundle insurance option may not save you more money, but it can provide more flexibility in coverage options.
Best Auto and Home Insurance in California: Bottom Line
The top companies in California for bundling home and auto insurance are Allstate, USAA and Progressive. Bundling can save you more money than buying policies separately. Compare quotes from multiple companies to find the best deal for your situation.
Home and Auto Insurance in California: FAQ
Find expert answers to common questions on California home and auto insurance:
Who has the best home and auto insurance in California?
Allstate is the top option for most drivers in California when bundling home and auto insurance. For military members and their families, USAA is the best choice. For the most coverage options, we recommend Progressive.
Who has the cheapest home and auto insurance in California?
Allstate offers the most affordable home and auto insurance bundle in California, with an annual premium of $2,074 — a savings of around $92 compared to the state average.
How much does home and auto insurance in California cost on average?
In California, the average annual home and auto insurance bundle costs $2,453, about 21% lower than the national average. The lowest rate is around $2,074 with Allstate, while Farmers offers the priciest option at about $3,004 annually.
Is bundling home and auto insurance cheaper in California?
Bundling home and auto insurance is cheaper in California. While the lowest cost may be tempting, ensure you're adequately covered for significant losses.
Best Auto and Home Insurance Bundle in California: Our Methodology
Bundle Scoring System
MoneyGeek used data from the California Department of Insurance and Quadrant Information Services to calculate home and auto insurance rates. We combined this data with customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to generate individual scores for home and auto insurance. We also considered each insurer's bundle discounts to evaluate their savings potential.
Using this information, we calculated a “bundle score” out of 100 based on 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 includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home constructed in 2000
Coverage Levels in California
MoneyGeek analyzed rates for full coverage auto insurance with these 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 homeowners insurance with the following 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, 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.