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

To determine the best home and auto insurance companies in Washington, MoneyGeek evaluated its affordability, discounts and service quality. The companies that earned the highest scores were:

• State Farm: MoneyGeek score of 85 out of 100
• Allstate: MoneyGeek score of 82 out of 100

Using MoneyGeek’s unique scoring system, State Farm and Allstate earned 4 out of 5 in both home and auto insurance. However, State Farm’s perfect score in discounts outshined Allstate. Regarding cost, State Farm is the third-cheapest option, whereas Allstate is the fourth-cheapest option.

For those with a military background, USAA is the best auto and home insurance company in Washington. Therefore, USAA isn’t a widely available option.

On average, bundle insurance companies offer discounts at 8%. MoneyGeek also found that State Farm offers the largest discount at 16%, whereas Farmers has the lowest rate at 3%.

Deciding on an insurance company only based on its affordability may seem like the quickest and most convenient choice. However, there may be better fits. Allied, for instance, offers the cheapest bundling rates in Washington at $1,798 per year. Compared with State Farm’s 16% discount, Allied offers half its rate at 8%.

When shopping around for the best and cheapest home and auto insurance bundles in Washington, it’s financially sound to consider factors aside from cost.

Discounts aside, MoneyGeek’s research discovered that the cheapest company for home and auto insurance in Washington are:

• Allied: $1,798 per year
• Travelers: $1,840 per year

We also found that USAA’s bundle premiums at $1,825 are slightly cheaper than the Travelers bundle quote of $1,840. Although affordability is an important factor, the cheapest option isn’t always the best option for you. It’s wise to also assess a company’s benefits, disadvantages and unique features.

Bundling home and auto insurance in Washington is a generally convenient move. Although appealing, there may be better ways to find potential savings. There are instances when merging insurance policies from two companies can save you more money.

MoneyGeek’s research found that combining State Farm auto insurance ($1,043) and Travelers home ($641) totals roughly $1,684. This pair is $114 cheaper than Allied’s bundle insurance premiums, costing $1,798 per year.

Bundling your home and auto insurance in Washington is typically a good idea. A few advantages are convenience and acquiring a more affordable rate. However, there might be some exceptions.