Best and Cheapest Home and Auto Bundle Companies in Alabama (2023)

State Farm offers the best bundle insurance in Alabama, with an overall MoneyGeek score of 83 out of 100. For an average of $2,999 per year, Alabama residents can purchase bundle insurance from this provider.

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Advertising & Editorial DisclosureLast Updated: 1/24/2023
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iconBestInsurance BundleAlabama
2023
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Methodology

Why trust MoneyGeek? Alabama bundle rates are supported by our analysis of quotes, and ratings for the best bundles are based on our proprietary scoring system that balances cost and discounts with service experience.

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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

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Earned high customer satisfaction ratings

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Offers excellent discounts

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Offers several bundling options for policyholders

cons

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Has high cost relative to competitors

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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

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Earned a perfect score for discounts

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Earned above-average ​​insurance bundle satisfaction

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Considered the cheapest insurer nationally

cons

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Does not offer multiple car or defensive driving discounts

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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.

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  • 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.

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  • 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.

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    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.

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    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.

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    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 the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.