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

MoneyGeek ranked Louisiana's best home and auto insurance providers according to their rates, customer satisfaction and discounts. Topping the list are:

• State Farm: MoneyGeek score of 88 out of 100
• Allstate: MoneyGeek score of 76 out of 100

State Farm earned above-average scores in the home and auto insurance satisfaction categories and received a perfect score of 5 out of 5 in discounts. It also offers the most affordable bundle premium in the state. Allstate came in second place. Although it only scored fair in the auto insurance and discounts categories, the company’s high mark in home insurance makes it worth considering.

USAA is an excellent option for Louisianans. In fact, it received the highest MoneyGeek score in the state — 89 out of 100. Despite lagging in discounts, USAA earned perfect scores in the home and auto insurance categories. However, its eligibility requirements limit its availability to members of the military and their family members.

The average state-wide discount for all insurers is $457, or 8% of the total cost. State Farm offers the most affordable home and auto insurance in Louisiana and provides the largest discount at 12%. Meanwhile, USAA offers the smallest discount at 6%. Again, USAA is only available to military members and veterans.

Those not eligible for USAA policies may consider Allstate, which is 1% ahead of USAA in discounts at 7%.

However, although a company may have the biggest bundle discount, its prices or service may not be the cheapest. Insurers in some states offer the biggest discounts but also the highest rates. To save money on your insurance, you should compare the prices and services of several companies before making a choice.

Louisiana homeowners and car owners can get the most affordable deals on bundles with the following insurers:

• State Farm: $4,047 per year
• Allstate: $6,425 per year

If you're looking to save money, don't automatically assume that the cheapest option is best for you. We recommend reviewing each company's offers to make an informed decision for your needs and budget.

Bundling home and auto insurance can save you money, but it may not always be the best choice. In some cases, you can save more by purchasing separate coverage from two different companies.

However, this is not the case in Louisiana. The lowest amount you can pay for separate auto and home insurance policies in Louisiana is $5,482 per year — auto insurance from Allstate at around $3,833 per year and home insurance from State Farm at around $1,649 per year. This premium is $1,435 higher than State Farm’s bundled policy premium, but $943 lower than Allstate’s bundle offer.

Bundling car and home insurance with one company can provide more protection and better rates. However, you may find that bundling is not always the cheapest option. Find out how bundling could save you money on your car and home insurance in Louisiana.