Below are our picks for the best home and auto insurance bundling companies in Virginia:
Best Home and Auto Insurance in Virginia
Updated: April 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Nationwide and State Farm are Virginia's top home and auto insurance companies.
State Farm offers the best home and car insurance discount, with savings of 16% on auto and 35% on home insurance.
The state's average annual home and auto insurance cost is $3,070, slightly below the national average of $3,094.
Who Offers the Best Home and Auto Insurance Bundles in Virginia?
| Auto-Owners | 98 | $2,396 | $306 |
| Nationwide | 86 | $2,046 | $422 |
| State Farm | 86 | $1,572 | $551 |
| Allstate | 76 | $3,093 | $430 |
| Travelers | 73 | $6,902 | $730 |
| Progressive | 72 | $2,408 | $193 |
State Farm: Best Cheap Home and Auto Insurance in Virginia
State Farm offers Virginia's best home and auto insurance bundle discounts. Its Drive Safe and Save program cuts car insurance costs by up to 30%, while Steer Clear helps young drivers. State Farm ranks fourth for auto and seventh for home insurance in J.D. Power satisfaction studies.
| Auto | $836 | $155 | 16% |
| Home | $736 | $396 | 35% |
Nationwide: Best Home and Auto Insurance Coverage Options in Virginia
Nationwide is Virginia's second-cheapest home and auto insurance provider, with various discount options. Its usage-based car insurance program offers up to 40% savings. Nationwide's unique coverage options include a disappearing deductible, accident forgiveness and home equipment breakdown protection.
| Auto | $794 | $216 | 21% |
| Home | $1,252 | $206 | 14% |
Virginia Home and Auto Insurance Cost
Virginia's average monthly home and auto insurance cost is $256, slightly below the national average of $258. Depending on the provider, monthly rates range from $131 to $575.
| Virginia home and auto insurance bundle | $3,070 | $24 | -1% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Virginia Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance in Virginia is more expensive, your quotes may differ. Below are the average costs of all coverage combinations using our top providers without bundling, from cheapest to most expensive.
| Auto-Owners | State Farm | $2,075 |
| Nationwide | State Farm | $2,142 |
| Travelers | State Farm | $2,203 |
| Auto-Owners | Progressive | $2,243 |
| State Farm | Progressive | $2,291 |
| Nationwide | Progressive | $2,310 |
| Travelers | Progressive | $2,372 |
| Allstate | State Farm | $2,389 |
| Auto-Owners | Nationwide | $2,401 |
| Progressive | State Farm | $2,433 |
| State Farm | Nationwide | $2,449 |
| Travelers | Nationwide | $2,529 |
| Allstate | Progressive | $2,557 |
| Allstate | Nationwide | $2,715 |
| State Farm | Auto-Owners | $2,750 |
| Progressive | Nationwide | $2,759 |
| Nationwide | Auto-Owners | $2,769 |
| Travelers | Auto-Owners | $2,830 |
| Allstate | Auto-Owners | $3,016 |
| Progressive | Auto-Owners | $3,060 |
| Auto-Owners | Allstate | $3,210 |
| State Farm | Allstate | $3,257 |
| Nationwide | Allstate | $3,277 |
| Travelers | Allstate | $3,338 |
| Progressive | Allstate | $3,568 |
| Auto-Owners | Travelers | $7,504 |
| State Farm | Travelers | $7,552 |
| Nationwide | Travelers | $7,571 |
| Allstate | Travelers | $7,818 |
| Progressive | Travelers | $7,862 |
Should I Bundle Home and Auto Insurance in Virginia?
For drivers in Virginia, bundling home and auto insurance is often more affordable than buying each separately. Evaluate your coverage needs and financial situation to determine the best option.
Bundling discounts cost less than individual policies
Bundling home and auto insurance can save you a lot in Virginia. The cheapest annual cost without bundling is $2,075, while bundling cuts it down to $1,572.
Bundling makes policy management convenient
Having your insurance policies bundled means managing everything through one account, making it easier to track your coverage.
In rare cases, it might be better not to bundle in Virginia
Choosing separate insurance policies might not save you money, but it can offer more flexibility in coverage options.
Best Auto and Home Insurance in Virginia: Bottom Line
State Farm and Nationwide lead Virginia's home and auto insurance bundle options. Bundling these policies can save you money compared to buying them separately. Still, compare quotes from multiple companies to find the best deal.
Home and Auto Insurance in Virginia: FAQ
Find expert answers to common questions about Virginia home and auto insurance here:
Who has the best home and auto insurance in Virginia?
State Farm is the best home and auto insurance company for most Virginia residents. However, if you're looking for the best coverage options, we recommend Nationwide.
Who has the cheapest home and auto insurance in Virginia?
State Farm offers Virginia's cheapest home and auto insurance bundle at $1,572 annually. Customers can save $551 annually compared to the state average.
How much does home and auto insurance in Virginia cost on average?
Virginia's average annual premium for bundled home and auto insurance is $3,070, about 1% below the national average. The cheapest bundle costs around $1,572 yearly, while the most expensive reaches $6,902.
Is bundling home and auto insurance cheaper in Virginia?
According to our research, bundling home and auto insurance is typically cheaper in Virginia. While saving money is important, ensure your coverage is adequate for your needs.
Best Auto and Home Insurance Bundle in Virginia: Our Methodology
Bundle Scoring System
MoneyGeek calculated home and vehicle insurance rates using data from the Virginia Bureau of Insurance and Quadrant Information Services. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual home and auto insurance scores. We also examined each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Virginia
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Virginia
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.