Best Home and Auto Bundle Insurance in Alabama

Below are our picks for Alabama's best home and auto insurance bundling companies:

Farmers offers the cheapest home and auto insurance bundle in Alabama, saving customers $486 per year. It provides discounts for young drivers and students, plus up to 15% off car insurance with the Farmers Signal app for safe driving. Farmers ranks sixth in the region for customer satisfaction, according to J.D. Power.

Read More:

• Cheapest Car Insurance in Alabama
• Cheapest Home Insurance in Alabama
• Best Car Insurance in Alabama
• Best Home Insurance in Alabama

USAA offers the third-lowest home and auto insurance rates for military members and their families, plus discounts like the SafePilot program, which saves up to 30% on car insurance. It ranks first in customer satisfaction by J.D. Power.

Allstate is Alabama's second-cheapest home and auto insurer, offering discounts like Drivewise, which saves up to 40% on car insurance. It also provides unique coverage options, including accident forgiveness, new car replacement and green improvement reimbursement.

In Alabama, home and auto insurance costs an average of $232 per month, lower than the national average of $258. Monthly rates vary by provider, ranging from $156 to $277.

Our research shows bundling home and auto insurance in Alabama may cost more than separate policies, though your quotes may vary. Below are the average costs of coverage combinations from our top providers without bundling, listed from cheapest to most expensive.

Farmers, Allstate and USAA are the best options for bundling home and auto insurance in Alabama. However, buying policies separately typically costs less. Compare quotes from multiple companies to find the best deal for your situation.

Explore expert answers to questions about Alabama home and auto insurance:

Bundling home and auto insurance in Alabama saves money, but only if both policies are competitively priced. Not every insurer offers low rates on both coverages or generous multi-policy discounts. Our analysis identifies which companies deliver the best combined value. We gathered data from the Alabama Department of Insurance and Quadrant Information Services, combined it with customer satisfaction ratings from AM Best and J.D. Power, then scored each insurer's bundle discounts.

Our bundle score weighs three factors: Home Insurance Score (40%), Auto Insurance Score (40%), and Discounts (20%). This split matters because the best bundles require competitive pricing on both policies, not just aggressive discounts on expensive base rates. Some insurers charge competitive auto rates but expensive home coverage, while others excel at homeowners insurance but overcharge for auto. Our scoring reveals which companies price both competitively.

Sample profile we analyzed: 40-year-old male with good driving history, 2010 Toyota Camry LE, 12,000 annual miles, and a home built in 2000.

Auto insurance coverage analyzed:

• Full coverage with $100,000 property damage liability per accident
• $100,000 bodily injury liability per person, $300,000 per accident
• Comprehensive and collision with $1,000 deductibles

Homeowners insurance coverage analyzed:

• $250,000 dwelling coverage
• $25,000 other structures
• $100,000 personal property
• $25,000 loss of use
• $100,000 personal liability
• $1,000 medical payments
• All-perils coverage with $1,000 deductible

These coverage levels protect Alabama's median home value and typical vehicle ownership. Alabama's tornado risk and frequent severe weather make quality home insurance essential. The state's mix of rural roads and urban traffic creates diverse auto insurance needs that bundling addresses affordably.