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

MoneyGeek found the best company for home and auto insurance bundling after analyzing various companies’ rates, service quality and discounts. The following companies are our picks for the best auto and home insurance bundles in Ohio:

• State Farm: MoneyGeek score of 86 out of 100
• Allstate: MoneyGeek score of 81 out of 100

State Farm scored very well in terms of customer satisfaction with home and auto insurance policies, and the company has a perfect discount score. Although Allstate has the same ratings in all categories, its policy is pricier than State Farm.

USAA’s auto and home insurance bundle is the ideal option if you have an eligible military background to qualify. MoneyGeek’s research shows that the company offers the best auto and home insurance bundle in Ohio for veterans, active-duty military members and spouses of military officers.

USAA exclusively serves the military community and is not available to the general public.

On average, insurance companies in Ohio provide an 11% discount on home and auto bundles, reducing the overall policy cost by roughly $219 a year. Based on MoneyGeek’s analysis, State Farm offers the biggest discount on bundling in Ohio at 24%, whereas Farmers gives the smallest discount at 8%.

Although State Farm is, on average, the cheapest insurer overall with the most significant discount, it’s essential to understand that a significant discount doesn’t always mean that the insurance company offers an affordable policy.

MoneyGeek analyzed different companies and found the following ones offer, on average, the most affordable auto and home bundles in Ohio regardless of the discount:

• State Farm: $1,502 per year
• Allstate: $1,594 per year

However, it isn’t always best to opt for the cheapest option. You should shop around and compare different policies to see which one is the best fit for your needs.

Although it is not the case in Ohio, according to MoneyGeek’s research, you might get cheaper home and auto insurance rates by opting for an affordable auto policy from one insurer and a homeowners policy from another.

Based on MoneyGeek’s research, State Farm’s auto insurance policy (roughly $653 a year) and Travelers’ home insurance policy (around $1,002 a year) cost roughly $1,655 per year when purchased together. That’s the cheapest option for not bundling policies with one company in Ohio.

However, it’s not cheaper than State Farm’s bundle that is around $1,502 per year.

MoneyGeek recommends bundling home and auto insurance policies in Ohio as it makes the process straightforward and could result in significant savings. However, there are various instances when bundling is not the right option.