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2023

The Best Home and Auto Bundles in Alabama

In terms of affordability, quality and special discounts, the following two insurance companies offer the best auto and home insurance in Alabama:

  • State Farm: MoneyGeek score of 83 out of 100
  • Allstate: MoneyGeek score of 82 out of 100

State Farm received high ratings in the home and auto satisfaction categories; however, its bundles are more expensive than its competitors. Meanwhile, on average, Allstate offers the cheapest bundle and provides generous discounts.

State Farm

pros

Earned high customer satisfaction ratings

Offers excellent discounts

Offers several bundling options for policyholders

cons

Has high cost relative to competitors

Does not offer accident forgiveness coverage

COMPANY HIGHLIGHTS

MoneyGeek’s analysis ranked State Farm as the best auto and home insurance in Pennsylvania, with a policy costing around $2,999 annually. When you bundle your auto and home insurance with State Farm, you’ll save an average of $891 per year — a 23% discount.

State Farm is a reliable choice for homeowners insurance, offering seven discounts, which is comparable to the industry standard. Among the discounts offered are protective devices, home renovation, new home and bundle incentives. State Farm’s home insurance also offers a variety of coverages, such as mold coverage, scheduled personal property, back-up of sewer or drain and earthquake coverage, among others.

It is also a top-rated auto insurer, boasting an excellent record for financial stability, discounts and complaints. Roadside assistance, rental car reimbursement and travel reimbursement are some of State Farm's auto insurance add-on coverages. However, other common coverages — such as accident forgiveness, new car replacement and gap insurance — are not provided.

Read MoneyGeek's State Farm Auto Insurance Review
Allstate

pros

Earned a perfect score for discounts

Earned above-average ​​insurance bundle satisfaction

Considered the cheapest insurer nationally

cons

Does not offer multiple car or defensive driving discounts

Does not offer better car replacement coverage

COMPANY HIGHLIGHTS

With its strong track record in discounts and insurance bundle satisfaction, Allstate emerged as the runner-up for the best bundle insurance in Alabama. Your rate is lowered by approximately $345, or 17%, when you choose Allstate's bundled coverage, which costs about $1,644 annually.

Homeowners seeking a good mix of financial stability, client satisfaction and affordability might consider Allstate home insurance. It provides a number of discounts, making it the most affordable insurance in the country. Some of its discounts include claims forgiveness, deductible reward, bundle and automatic payment incentives.

Meanwhile, Allstate auto insurance is a considerable option for potential policyholders, having above-average marks for customer satisfaction and complaints. Many popular add-on coverages are available with Allstate plans: roadside assistance, rental car reimbursement, accident forgiveness, new car replacement and so on. Additionally, Allstate provides special coverage for media and portable electronics.

Read MoneyGeek's Allstate Auto Insurance Review

The Best Home and Auto Bundles in Alabama for Military Backgrounds

USAA is Alabama's top home and auto insurance provider, earning a MoneyGeek rating of 91 out of 100. Although USAA has eligibility requirements that restrict its availability to the wider population, it is a great choice for both active-duty and retired military members in Alabama.

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MoneyGeek Top Pick
USAA

USAA would have been the best home and auto insurance in Alabama if it wasn’t exclusive to military members, veterans and their families. The insurer received flawless MoneyGeek ratings for both home and auto insurance.

The top provider of homeowners insurance in Alabama for military families is USAA. Although USAA home insurance only provides basic discounts, such as those for bundling, safety equipment and claims-free coverage, its policies are relatively inexpensive compared with other providers.

Meanwhile, USAA is a reputable auto insurance company. Although it does not offer any unique insurance coverages, it does provide standard liability coverage, comprehensive insurance and collision insurance, similar to other auto insurers.

The Best Home and Auto Bundle Discounts in Alabama

Insurance companies in Alabama offer an average annual discount of $297 or 11% for bundling auto and home insurance policies. Of the providers evaluated, State Farm offers the highest discount at 23%, whereas Nationwide has the least attractive offer — no discount.

However, a company’s discount rate won’t necessarily mean they’ll be the best provider for you. For example, Farmers provides the second-cheapest home and auto insurance in Alabama at a yearly cost of $1,729, but it has a lower average discount rate than other insurance providers.

Home and Auto Bundle Discount in Alabama

The Cheapest Home and Auto Bundles in Alabama

The following insurance providers offer the cheapest home and auto insurance in Alabama, according to MoneyGeek's analysis:

  • Allstate: $1,664 per year
  • Farmers: $1,729 per year

Keep in mind that the cheapest choice may not be the best for your particular needs and goals. MoneyGeek suggests that you weigh the benefits, drawbacks and features of each insurance provider to achieve the most long-term financial savings.

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MoneyGeek Top Pick
Allstate

At $1,664 per year, Allstate provides the cheapest rate for bundling auto and home insurance in Alabama. Purchasing both your auto and home insurance from this provider could save you up to 17%.

An Allstate home insurance policy in Alabama costs $1,082 per year, but your coverage requirements and homeowner profile may affect this amount. In comparison to its competitors, Allstate offers some of the lowest rates for home insurance. Meanwhile, Allstate car insurance costs an average of $927 per year in the state. Drivers seeking either full or minimum coverage will discover that Allstate's premiums are also relatively lower than other providers.

Car Insurance
Annual Premium

Allstate

$1,664

Farmers

$1,729

Travelers

$2,370

MetLife

$2,614

Metropolitan

$2,614

State Farm

$2,999

Nationwide

$3,770

The Cheapest Non-Bundle Insurance Combinations in Alabama

Purchasing home and auto insurance from the same company may not always be the best course of action. Sometimes, combining insurance from two different companies might save you more money.

For instance, you could spend as low as $1,352 per year on insurance by purchasing Farmers home insurance ($425) and Allstate auto insurance ($927) — this is $312 less than Allstate’s home and auto insurance bundle priced at $1,664.

Auto Company
Home Insurance
Annual Premium

Allstate

Farmers

$1,352

Travelers

Farmers

$1,535

State Farm

Farmers

$1,769

Metropolitan

Farmers

$1,946

MetLife

Farmers

$1,946

Travelers

Allstate

$2,192

Nationwide

Farmers

$2,216

Allstate

Travelers

$2,329

Allstate

Metropolitan

$2,422

Allstate

MetLife

$2,422

State Farm

Allstate

$2,426

Farmers

Allstate

$2,446

Metropolitan

Allstate

$2,603

MetLife

Allstate

$2,603

Travelers

Metropolitan

$2,605

Travelers

MetLife

$2,605

State Farm

Travelers

$2,746

Farmers

Travelers

$2,766

State Farm

MetLife

$2,839

State Farm

Metropolitan

$2,839

Farmers

Metropolitan

$2,859

Farmers

MetLife

$2,859

Nationwide

Allstate

$2,873

Allstate

Nationwide

$2,906

Metropolitan

Travelers

$2,923

MetLife

Travelers

$2,923

Metropolitan

MetLife

$3,016

MetLife

Metropolitan

$3,016

Travelers

Nationwide

$3,089

Nationwide

Travelers

$3,193

Nationwide

Metropolitan

$3,286

Nationwide

MetLife

$3,286

State Farm

Nationwide

$3,323

Farmers

Nationwide

$3,343

Allstate

State Farm

$3,473

MetLife

Nationwide

$3,500

Metropolitan

Nationwide

$3,500

Travelers

State Farm

$3,656

Farmers

State Farm

$3,910

Metropolitan

State Farm

$4,067

MetLife

State Farm

$4,067

Nationwide

State Farm

$4,337

Should You Bundle Home and Auto Insurance in Alabama?

In general, you may spend less money by bundling your home and auto insurance. Even if you don’t save money, bundling insurance policies is typically more convenient; it's easier to manage your plans when they are with the same company.

  • discount icon

    Bundle discounts in Alabama can save you between 3% and 23% per year.

    State Farm customers can save 23%, or up to $891, when they bundle their insurance plans. Meanwhile, Farmers only offers customers a 3% discount for bundling home auto and home insurance policies.

  • homeInsurance icon

    Bundles are a convenient way to combine your most important property insurance policies.

    Combining your home and auto insurance has advantages. It’s typically more time efficient to manage your policies with one provider and, in some instances, you may be able to save money.

  • uninsured icon

    In rare cases, it might be better not to bundle in Alabama.

    In Alabama, it might cost less to purchase policies from different providers. For instance, combining Farmers home insurance ($425) and Allstate auto insurance ($927) is the most cost-saving option; your total cost for insurance would be $1,352, which is $312 less than Allstate’s home and auto insurance bundle at $1,664.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.