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

State Farm is the best insurer for bundling in Connecticut, earning a MoneyGeek score of 86 out of 100. It offers the cheapest bundle at $2,530 per year.

By Mark Fitzpatrick

Edited by Kathryn Schroeder

Updated: December 2, 2024

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Key Takeaways

In Connecticut, State Farm, with a MoneyGeek score of 86 out of 100, tops the list of home and auto bundle providers thanks to its above-average satisfaction ratings and significant discounts, while Allstate, with a score of 79, is the runner-up due to its robust satisfaction scores despite a higher overall cost; USAA, although limited to military families, offers the most cost-effective and highly rated option, while Travelers provides the smallest bundle discount at 5%.

In Connecticut, the most affordable open-to-all home and auto insurance bundle is offered by State Farm with an annual premium of $2,530, followed by Travelers at $2,594, while USAA provides the cheapest option at $2,369 for those with a military background.

The cheapest non-bundled insurance combination in Connecticut pairs State Farm auto insurance at approximately $1,437 per year with Travelers homeowners insurance at roughly $1,261 per year, totaling $2,698 annually, which is $168 more expensive than the cheapest auto-home bundle from State Farm at $2,530 per year.

Why trust MoneyGeek? Connecticut bundle rates are supported by our analysis of quotes and ratings. For the best bundles, we used our proprietary scoring system that balances cost and discount with service experience.

40Quotes Analyzed

5Companies Compared

1Zip Codes

The Best Home and Auto Bundles in Connecticut

MoneyGeek considered affordability, customer service and discount when scoring insurance companies to find the best for bundling. We discovered that the top two insurers that bundle auto and home insurance in Connecticut are the following:

State Farm: MoneyGeek score of 86 out of 100
Allstate: MoneyGeek score of 79 out of 100

State Farm earned above-average scores for auto and home satisfaction. It also offers the cheapest, open-to-all bundle, and the company has the biggest discount available to lower the premium. Allstate also earned above-average ratings in auto and home satisfaction categories and has the second-largest discount, but its higher cost for the bundle lowered its overall value in the ranking.

pros

Scored 4 out of 5 in auto and home satisfaction

Received a 5 out of 5 discount score

Offers roadside assistance

cons

Doesn’t have gap insurance

Lacks paperless and pay-in-full discounts

COMPANY HIGHLIGHTS

MoneyGeek found that State Farm offers the best home and auto insurance in Connecticut for bundling. This insurer is known for balancing quality service and affordability. Bundling auto and home policies may lower the cost by around 17%, resulting in an average premium of $2,530 a year, saving around $529 annually.

State Farm allows policyholders to purchase common auto insurance add-on coverages. These include roadside assistance, which pays for mechanical labor or locksmith labor for up to one hour, towing and delivery of gas, oil, a battery or tire change. Another optional coverage is rental car/travel reimbursement, which helps with car rental expenses up to chosen limits, travel expenses up to $500 and a policy deductible reimbursement of up to $500 for a covered accident in a rental car.

As for its homeowners insurance policies, State Farm offers uncommon optional coverages, such as mold coverage, which covers mold or fungus damage up to $20,000, and home rental, which provides property and liability coverage when a home is rented out for more than 30 nights in a 12-month period.

Read MoneyGeek's State Farm Auto Insurance Review

pros

Scored 4 out of 5 for its discount, auto and home satisfaction

Offers portable electronics and media auto insurance coverage

Offers rare discounts for vehicle equipment

cons

Lacks better car replacement coverage

Doesn't offer discount for a defensive driving course

COMPANY HIGHLIGHTS

Our runner-up for the best auto and home insurance bundle in Connecticut is Allstate. Although its policy is more expensive, it does include a roughly 16% discount, saving around $535 a year, resulting in a cost of $2,796 per year when bundling home and auto insurance.

With Allstate, you can purchase unique add-on coverages for your auto insurance policy. Among them is portable electronics and media coverage, which covers lost media, such as tapes, compact discs and similar items. You can also opt for sound system coverage to protect any sound system permanently installed in your vehicle. You do need comprehensive coverage to purchase these add-ons.

Optional coverages for homeowners insurance are also available with Allstate. For instance, getting yard and garden coverage can increase your limits for the cost of items like trees and riding lawn mowers. Meanwhile, adding mold coverage to your policy can provide protection against mold and fungus.

Read MoneyGeek's Allstate Auto Insurance Review

The Best Home and Auto Bundles in Connecticut for Military Backgrounds

USAA is MoneyGeek’s pick for the best auto and home insurance in Connecticut for those with a military background that want to bundle auto and home policies. The company offers the most affordable rate, plus it received perfect customer satisfaction ratings. But its policies are only limited to military personnel, veterans and their families.

MoneyGeek Top Pick

USAA

For military families looking for a balance of cost and customer service, USAA may be the best option in Connecticut for bundling. The company offers a bundle discount of around 6%, lowering the average annual premium to $2,369. That means a savings of around $146 for bundling policies.

USAA may be ideal for you if you don't mind having only common options for add-on coverages. For example, you can purchase roadside assistance, which pays for the cost of towing, unlocking your vehicle, jumpstarting your battery and more. With a homeowners policy, you may opt for USAA’s home rental coverage that protects you and your guests when you rent a room or your entire home.

The Best Home and Auto Bundle Discounts in Connecticut

The average auto and home bundle discount in Connecticut is 11%, equating to roughly $353 in savings annually. According to MoneyGeek’s research, State Farm has the biggest multipolicy discount at 17%, which is 6% higher than the state average. On the other hand, Travelers offers the smallest average discount at 5%.

The insurer with the biggest discount doesn’t always offer the cheapest quote for auto and home insurance. Case in point, State Farm’s bundle discount lowers the average annual premium to $2,530. Meanwhile, USAA’s annual premium after its roughly 6% bundle discount is around $161 cheaper, at approximately $2,369. But USAA is only available to military personnel, so State Farm is the cheapest, open-to-all insurer in Connecticut for bundling.

Home and Auto Bundle Discount in Connecticut

The Cheapest Home and Auto Bundles in Connecticut

Discount aside, on average, the companies offering the cheapest home and auto bundles in Connecticut are:

State Farm: $2,530 per year
Travelers: $2,594 per year

If you come from a military family, USAA may be the most affordable for bundling in the state. Bundling policies with this insurer costs around $2,369 per year on average.

MoneyGeek Top Pick

State Farm

In Connecticut, State Farm is the most affordable company for a home and auto insurance bundle. Bundling policies with this insurer costs an average of $2,530 per year, around 17% cheaper than buying car insurance and home insurance individually.

With State Farm, you can take advantage of various discounts to save on insurance. The company offers auto insurance discounts for safe driving, multiple cars and being a good student. In addition, it has discounts, such as protective device, home renovation, claims-free and new home for homeowners insurance.


State Farm	$2,530
Travelers	$2,594
Allstate	$2,796
Metropolitan	$3,368

The Cheapest Non-Bundle Insurance Combinations in Connecticut

Bundling your policies with the same insurance company may not always be the cheapest option in Connecticut. In some cases, you may get bigger savings when you combine the most affordable insurance policies from two different providers.

According to MoneyGeek’s research, the cheapest non-bundled combination in Connecticut is by pairing State Farm auto insurance (around $1,437 per year) with Travelers homeowners insurance (roughly $1,261 per year). Doing so results in an average annual premium of $2,698 per year.

It’s worth noting, however, that this combination is around $168 more expensive than bundling auto and home insurance policies with State Farm, which costs an average of $2,530 per year.


State Farm	Travelers	$2,698
Allstate	Travelers	$2,835
State Farm	Metropolitan	$2,920
Travelers	Metropolitan	$2,963
Allstate	Metropolitan	$3,057
Travelers	State Farm	$3,102
State Farm	Allstate	$3,194
Allstate	State Farm	$3,196
Travelers	Allstate	$3,237
Metropolitan	Travelers	$3,556
Metropolitan	State Farm	$3,917
Metropolitan	Allstate	$4,052

Should You Bundle Home and Auto Insurance in Connecticut?

In Connecticut, it’s advisable to bundle home and auto insurance with the same company for convenience and potential savings. However, it may not be the most affordable option for everyone.

Bundle discounts in Connecticut can save you between 5% and 17% per year.

Bundling auto and home insurance with State Farm in Connecticut may reduce the rate by around 17% and save up to roughly $529 per year. Alternatively, bundling with Travelers may give a 5% discount.

Bundles are a convenient way to combine your most important property insurance policies.

There are some advantages that come with bundling home and auto insurance in Connecticut. For instance, it’s easier and more convenient to pay one provider for several policies. Bundling policies is often better for your wallet as well.

In rare cases, it might be better not to bundle in Connecticut.

Although the most affordable combination in Connecticut — State Farm auto insurance and Travelers homeowners insurance (totaling around $2,698 per year) — is more expensive than bundling with State Farm (around $2,530 per year), it’s possible to find a cheaper non-bundled combination by shopping around and comparing quotes, as your profile and the company’s manner of calculating rates do affect the premium.

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.

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