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

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Updated: May 20, 2024

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MoneyGeek Logo IconBestInsurance BundleUtah
2024

The Best Bundled Insurance in Utah

Best Bundle Insurance Overall - State Farm
Best Bundle Insurance - Runner-Up - Farmers
Best Bundle Discounts - State Farm
Cheapest Bundle - Nationwide
Cheapest Non-Bundle - Nationwide & Farmers

Why trust MoneyGeek? Utah bundle rates are supported by our analysis of quotes, and ratings for the best bundles are based on our proprietary scoring system that balances cost and discounts with service experience.

48Quotes Analyzed
 
6Companies Compared
 
1Zip Codes

The Best Home and Auto Bundles in Utah

MoneyGeek assessed Utah’s bundle insurance providers based on pricing, quality and discounts. According to our analysis, the following insurance providers provide the best home and auto insurance bundles in Utah:

  • State Farm: MoneyGeek score of 81 out of 100
  • Farmers: MoneyGeek score of 81 out of 100

The insurance bundle from State Farm scored the highest, and even if it isn't the most affordable, it offers the best discounts and coverage. Farmers also ranked high after earning a perfect score for its discounts.

State Farm

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Earned a 5 out of 5 score for discounts

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Earned above-average home insurance satisfaction

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Offers several bundling options for homeowners policyholders

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Received 3 out of 5 auto insurance satisfaction score

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Does not offer gap insurance or deductible modification coverage

COMPANY HIGHLIGHTS

MoneyGeek’s data indicates State Farm offers the best auto and home insurance bundles in Utah at a yearly premium of $2,123. When you bundle your policies with State Farm, you can save15%, or $369, on your premium.

State Farm is a well-regarded auto insurer with a stellar track record. Some State Farm auto insurance add-on coverages include roadside assistance, rental car reimbursement and travel reimbursement. These are in addition to standard coverages, such as liability insurance, comprehensive and collision insurance.

State Farm is also a solid option for homeowners insurance, offering the industry average of seven discounts. State Farm's home insurance also provides a range of coverages, including earthquake damage, building ordinances, back-up of a sewer or drain, ID theft, scheduled personal property, loss assessment and mold.

Read MoneyGeek's State Farm Auto Insurance Review
Farmers

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Earned a 4 out of 5 home insurance satisfaction score

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Earned a 5 out of 5 score for discounts

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Offers highly affordable home insurance

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Received a 3 out of 5 auto insurance satisfaction score

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Has expensive policies for young drivers

COMPANY HIGHLIGHTS

According to MoneyGeek's analysis, Farmers offers Utah's second-best home and auto insurance bundles, with a yearly rate of about $1,668. Bundling with State Farm can reduce your premium by $88, approximately 5%.

Farmers auto insurance received favorable ratings for complaints and stability but not for other aspects like customer satisfaction. Apart from standard coverages, Farmers offers rare coverage selections, including glass deductible modification add-on coverage and custom parts coverage.

Farmers also offers affordable home insurance and has a solid reputation for financial stability. With 13 available discounts, Farmers home insurance provides incentives, such as claim forgiveness, new home, paperless, bundle, deductible reward and earthquake discounts, among others.

Read MoneyGeek's Farmers Auto Insurance Review

The Best Home and Auto Bundles in Utah for Military Backgrounds

USAA, offering the best home and auto insurance bundles in Utah, earned a MoneyGeek rating of 90 out of 100. USAA policies are excellent options for active-duty and retired military personnel in Utah but are not available to the general population.

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MoneyGeek Top Pick
USAA

USAA achieved perfect MoneyGeek ratings for both home and auto insurance. Its bundled policies are only available to military members and their families.

Although USAA auto insurance does not offer any special insurance coverages, it does provide conventional collision, comprehensive and liability insurance — standard among other auto insurers.

Meanwhile, USAA homeowners insurance is a leading option for military families in Utah. However, USAA only offers basic discounts, such as bundling, safety equipment and claims-free coverage.

The Best Home and Auto Bundle Discounts in Utah

By bundling home and auto insurance, Utah residents can save an average of 11%, or $228, on their yearly premiums. According to MoneyGeek's data, State Farm provides the highest discount in the state (15%), whereas Farmers offers the lowest discount (5%).

The highest discount rate does not necessarily result in the lowest price. For example, although State Farm offers the highest discount rate, it does not result in the cheapest home and auto insurance bundle in Utah. On the other hand, Nationwide provides a 10% discount, but the lowest rates.

Home and Auto Bundle Discount in Utah

The Cheapest Home and Auto Bundles in Utah

MoneyGeek's analysis shows the following insurance companies provide Utah residents with the most affordable home and auto insurance bundles:

  • Nationwide: $1,632 per year
  • Allstate: $1,662 per year

However, the cheapest option might not be the best fit for your needs. MoneyGeek advises weighing each insurance provider's pros and cons to maximize your long-term savings.

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MoneyGeek Top Pick
Nationwide

Nationwide offers the cheapest home and auto insurance bundles in Utah. A bundled policy costs $1,632, 10% less than purchasing the company’s home and auto insurance policies separately.

For most drivers, including those with full and minimum coverage, drivers with violations and young drivers, Nationwide auto insurance costs are moderate, at an average rate of $1,341 per year. Meanwhile, the average Nationwide home insurance cost is $1,979 per year, although this might vary depending on your age and your home’s location and type of construction.

Nationwide$1,632
Allstate$1,662
Farmers$1,668
State Farm$2,123
MetLife$2,216
Metropolitan$2,216

The Cheapest Non-Bundle Insurance Combinations in Utah

Sometimes, buying home and auto insurance from two different providers can be cheaper than bundling them under one company. For example, if you purchase Farmers home insurance ($464) and Nationwide auto insurance ($1,041), the total cost is $127 less than Nationwide’s $1,632 home and auto insurance bundle.

NationwideFarmers$1,505
AllstateFarmers$1,656
NationwideAllstate$1,735
State FarmFarmers$1,902
AllstateNationwide$1,960
FarmersAllstate$1,986
MetLifeFarmers$1,991
MetropolitanFarmers$1,991
NationwideMetLife$2,011
NationwideMetropolitan$2,011
FarmersNationwide$2,060
NationwideState Farm$2,095
State FarmAllstate$2,132
AllstateMetLife$2,162
AllstateMetropolitan$2,162
State FarmNationwide$2,206
MetLifeAllstate$2,221
MetropolitanAllstate$2,221
AllstateState Farm$2,246
FarmersMetropolitan$2,262
FarmersMetLife$2,262
MetropolitanNationwide$2,295
MetLifeNationwide$2,295
FarmersState Farm$2,346
State FarmMetLife$2,408
State FarmMetropolitan$2,408
MetropolitanMetLife$2,497
MetLifeMetropolitan$2,497
MetLifeState Farm$2,581
MetropolitanState Farm$2,581

Should You Bundle Home and Auto Insurance in Utah?

You can lower your monthly premiums by bundling your auto and home insurance. Additionally, combining two distinct policies into one is convenient and streamlines your payment process. However, bundling may not be the cheapest option for everyone.

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    Bundle discounts in Utah can save you between 5% and 15% per year.

    Utah residents save as much as 15% when they bundle their home and car insurance through State Farm. When bundling with Farmers, the savings are about 5%.

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

    You can lower your monthly premiums by bundling your auto and home insurance. In addition, combining two distinct policies into one simplifies policy management and payment procedures.

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

    MoneyGeek’s research shows that in Utah, separately purchasing Farmers home insurance ($464) and Nationwide auto insurance ($1,041) costs $127 less than the $1,632 Nationwide home and auto insurance bundle.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

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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