Best Home and Auto Insurance Bundles in (2026)

Amica's customer experience scores are the most consistent of any carrier we reviewed, rating 4.6 out of 5 on auto and 4.7 out of 5 on home. That consistency matters because bundle customers who file a claim on one policy often need support on the other at the same time. Carriers with uneven scores (strong on auto, weak on home, for example) create real problems when a single event, like a hailstorm, triggers claims on both policies simultaneously.

Amica also stands out for its dividend policies. Eligible policyholders can receive a portion of premiums back at year-end when the company performs well, a feature uncommon among national carriers. Its 14% bundle discount saves customers $497 annually, which is not the highest dollar savings in our analysis, but the starting price is competitive enough that the bundled premium of $3,156 ranks among the more affordable options on this list.

Where Amica falls short is coverage breadth. Its bundle coverage score of 3.5 out of 5 is lower than Farmers (4.4) and Allstate (3.8). Buyers who need specialized endorsements, such as rideshare coverage, green rebuild coverage or extended replacement cost, may find the coverage menu narrower than competing carriers at similar price points.

AAA's home affordability score of 4.9 out of 5 is the highest in our dataset, which explains how it achieves the lowest bundled price despite a 14% discount that matches several more expensive carriers. Its auto affordability score of 4.0 out of 5 also ranks well, second only to Amica among carriers with a 4.7 or higher overall score. That combination of low base rates on both policies produces a bundled premium that outperforms every competitor on price.

One limitation to note: AAA's auto coverage score of 1.9 out of 5 is among the lower scores in our analysis, suggesting the auto policy is more basic than what carriers like Farmers or Progressive offer. Buyers who need robust auto coverage add-ons should compare policy details carefully before choosing AAA on price alone. For drivers with straightforward coverage needs and no specialty endorsement requirements, the $2,682 bundled price is difficult to beat.

Managing both policies through State Farm's app or website is straightforward, and its local agent network is the largest in the country. In our experience, one agent who knows both your home and auto policy produces faster claims resolution than separate carriers and adjusters after an event that damages both. State Farm's stability score of 5 out of 5 means customers can rely on the carrier being there when a claim happens — not a given in a market where some home insurers have pulled back from weather-exposed states.

Where State Farm trails is claims handling. Its claims score of 3.8 out of 5 for auto is not the lowest in our analysis, but it lags behind carriers like Amica (4.6) and Travelers (4.3). Buyers in states with frequent severe weather events should weigh that gap against the discount savings before deciding.

On the auto side, Farmers includes original equipment manufacturer (OEM) parts coverage, spare parts coverage and rideshare coverage as standard or low-cost add-ons. Its signal program rewards safe driving with additional discounts on top of the 18% bundle discount, which saves customers $888 annually. For home, Farmers offers extended dwelling replacement cost and equipment breakdown coverage, two features that matter most in markets where construction costs are rising faster than standard policy limits keep up.

The trade-off is price. Farmers' bundled premium of $4,151 is $764 more than State Farm and $1,469 more than AAA. Buyers who need the coverage breadth Farmers provides will find the premium justified. Buyers with standard coverage needs, including liability, comprehensive and collision on the auto side and standard dwelling limits on the home side, will likely find better value with Amica, AAA or State Farm.