State Farm's MoneyGeek score of 4.80 out of 5 is the highest among Virginia insurers, with an annual home and auto bundled premium of $2,801. I analyzed 1,200 quotes across 20 Virginia ZIP codes, weighing affordability, customer satisfaction and coverage quality to build these rankings. State Farm has the largest bundle discount in Virginia at 24%, producing $894 in annual savings.
Best Home and Auto Insurance Bundle in Virginia
Updated: September 3, 2026
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Key Takeaways
State Farm earned the top MoneyGeek score of 4.80 out of 5 for home and auto bundle insurance in Virginia, with the cheapest annual bundled rate of $2,801.
State Farm has the largest bundle discount in Virginia at 24%, saving policyholders $894 per year.
A bigger bundle discount doesn't guarantee the lowest total bill. In Virginia, State Farm comes at a 24% discount but charges $2,801 annually, while Mercury costs $2,591 per year with a smaller discount.
Best Home and Auto Insurance Bundle in Virginia
| State Farm | 4.8 | $2,801 | 24% |
| Farmers | 4.76 | $4,050 | 17% |
| Allstate | 4.7 | $3,234 | 12% |
| Progressive | 4.67 | $4,171 | 6% |
| Mercury Insurance | 4.63 | $2,591 | 14% |
To learn more about how we rank the top home and auto insurance bundles, see our methodology.
Top 3 Home and Auto Bundle Companies in Virginia
State Farm tops Virginia's bundle rankings on composite score. Farmers offers a competitive discount percentage in the state. Allstate rounds out the top three, with broad coverage options and a high customer satisfaction record.
Virginia's market carries two distinct risk profiles. Hurricane and storm surge exposure runs along Virginia Beach and Hampton Roads, while nor'easter and winter storm risk affects northern and mountain communities. These regional differences shape how each provider prices and structures its bundles.
State Farm
MoneyGeek Rating
4.8/ 5
4.9/5Affordability
3.9/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$2,801Monthly Bundle Premium
$233Bundle Savings
24%
Farmers
MoneyGeek Rating
4.8/ 5
4.5/5Affordability
4.7/5Customer Experience
4.8/5Coverage
Annual Bundle Premium
$4,050Monthly Bundle Premium
$338Bundle Savings
17%
Allstate
MoneyGeek Rating
4.7/ 5
4.6/5Affordability
4.7/5Customer Experience
4.7/5Coverage
Annual Bundle Premium
$3,234Monthly Bundle Premium
$270Bundle Savings
12%
Cheapest Home and Auto Bundle in Virginia
Mercury has the lowest annual bundled rate in Virginia at $2,591. State Farm carries the largest bundle discount at 24%, saving policyholders $894 per year, but its total annual premium of $2,801 is higher than Mercury's rate. Compare bundled rates with homeowners insurance and the average car insurance costs in Virginia to see how much you can save.
| Mercury Insurance | $2,591 | $417 |
| State Farm | $2,801 | $894 |
| Allstate | $3,234 | $421 |
| Farmers | $4,050 | $835 |
| Progressive | $4,171 | $282 |
| Travelers | $8,838 | $943 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
Companies Offering the Biggest Bundle Discount in Virginia
At 24%, State Farm's largest bundle discount in Virginia produces $894 in annual savings. According to Quadrant Information Services data, Travelers offers approximately $943 per year in dollar savings, though its high base premium keeps the total bundled cost elevated. A high discount percentage doesn't always translate to the lowest total bill: State Farm's 24% discount still leaves its annual premium at $2,801, compared to $2,591 from Mercury.
| State Farm | 24% | $894 | $2,801 |
| Farmers | 17% | $835 | $4,050 |
| Mercury Insurance | 14% | $417 | $2,591 |
| Allstate | 12% | $421 | $3,234 |
| Travelers | 10% | $943 | $8,838 |
| Progressive | 6% | $282 | $4,171 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
FINDING HOME AND AUTO INSURANCE BUNDLE IN VIRGINIA
Virginia Beach, Hampton Roads and the Eastern Shore face high hurricane and storm surge risk. Some insurers impose restrictions or increased deductibles for coastal properties, particularly following major storm events. Flood coverage is excluded from standard homeowners policies in Virginia and requires a separate NFIP or private flood policy, which is a relevant gap for coastal and tidal river policyholders. All providers in MoneyGeek's analysis are actively writing in Virginia. If you own a coastal property, review your policy terms carefully and consider a separate flood policy.
How to Get Cheap Home and Auto Bundle Insurance in Virginia
A quote comparison at renewal is one of the biggest levers Virginia policyholders have over bundled costs. A higher deductible, telematics enrollment, storm-resistant home improvements and a clean driving and claims record all add to the savings. Coastal hurricane exposure drives higher home premiums in Hampton Roads and Virginia Beach, and high property values push Northern Virginia's rebuilding costs above the state average. These regional factors are worth weighing before your policy renews.
- 1
Choose a Higher Deductible
A home deductible increase from $500 to $1,000 lowers your annual premium. The same logic applies to auto comprehensive and collision deductibles. Before you switch, confirm you have enough cash reserves to cover the higher out-of-pocket cost if you file a claim.
- 2
Try a Telematics Auto Program
Telematics programs track speed, braking and mileage, and your auto rate can drop based on actual driving behavior. Progressive's Snapshot is one such program available to Virginia drivers through top-ranked providers on this page. Telematics savings stack on top of your existing bundle discount, and the two benefits compound.
- 3
Protect Your Home Against Coastal Storms and Winter Weather
Virginia carries two distinct home insurance risk profiles. The Virginia Beach and Hampton Roads coast faces hurricane and storm surge exposure, while northern and mountain communities face nor'easter and winter storm risk. Storm-resistant roofing, reinforced windows and wind mitigation improvements can qualify coastal policyholders for home insurance discounts. Winter weatherproofing improvements qualify for discounts in inland and mountain communities instead. Ask your insurer which specific improvements qualify under your policy.
- 4
Compare Quotes When Your Policy Renews
Virginia's cheapest and most expensive bundled providers differ by $6,247 per year, per MoneyGeek's analysis. A bundled quote comparison at renewal takes less time than most homeowners expect. An annual check of the best car insurance companies and best homeowners insurance, matched against bundled options, can turn up real savings.
- 5
Maintain a Clean Driving and Claims Record
Your claims and driving history influence both auto and home premiums. Fewer at-fault accidents and fewer unnecessary small claims keep base rates lower, and lower base rates amplify the value of your bundle discount. If you do file a claim, ask your insurer whether a claims-free discount or accident forgiveness endorsement applies to your policy.
Home and Auto Insurance Bundle in Virginia: FAQ
Coastal hurricane and storm surge exposure in Hampton Roads and Virginia Beach raises home insurance premiums, and that higher cost carries over into bundled rates. MoneyGeek's Virginia analysis shows policyholders in coastal ZIP codes pay more for home coverage than those inland. Some insurers also apply separate wind or hurricane deductibles in those areas. Coastal property owners should compare bundled quotes from multiple providers before choosing one.
Bundling home and auto insurance in Virginia saves most policyholders money. The top-ranked provider in MoneyGeek's analysis offers a 24% discount worth $894 per year. Bundling also simplifies policy management, since one insurer handles both billing and claims. Review the total bundled premium, not just the discount percentage, and compare it against the best homeowners and best car insurance in Virginia options.
State Farm earned the highest MoneyGeek score in Virginia at 4.80 out of 5. Homeowners who prioritize coverage breadth should still review each provider's add-on options, particularly for Virginia-specific risks like coastal wind, storm surge and flood. Flood coverage requires a separate NFIP or private policy regardless of which insurer you choose.
Most Virginia insurers offer bundle discounts regardless of claims history, though a prior claim may affect your base premium. The bundle discount applies as a percentage reduction on top of whatever rate the insurer quotes for your profile. A clear sense of how much car insurance you need can also help you avoid overpaying. A bundled quote comparison from multiple providers after a claim gives you the clearest picture of your actual cost.
A bundle discount is the percentage reduction an insurer applies when you hold both policies with it. Actual bundle savings is the dollar amount you save compared to buying the two policies separately. A provider with a large discount percentage can still cost more in total than a provider with a smaller discount if its base premiums are higher. Always compare annual bundle premiums side by side, not just the discount percentage.
Get separate quotes for your home and auto policies from at least two providers, then compare the combined standalone total against the bundled rate. If the bundled premium is lower than the sum of the separate quotes, it is saving you money. MoneyGeek's Virginia analysis found a spread of $6,247 between the cheapest and most expensive bundled options, so the difference is real and worth checking at each renewal.
MoneyGeek analyzed 1,200 quotes across 20 Virginia ZIP codes. Data sources include Quadrant Information Services, AM Best, J.D. Power and the Virginia Bureau of Insurance. Figures are averages; actual rates vary by ZIP code, claims history and individual profile. Learn more in our auto insurance methodology.
MoneyGeek's Virginia home and auto bundle rankings are based on 2026 rate data collected from Quadrant Information Services. Scores and premiums reflect quotes gathered in 2026 and are updated annually. Individual rates may vary based on ZIP code, claims history, credit tier and coverage selections.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.