Best Home and Auto Bundle Insurance in California

AAA offers California's best home and auto insurance bundle with a MoneyGeek score of 4.7 out of 5, saving policyholders $342 per year.

Get home and auto insurance quotes from the top providers below.

Written by Mark Fitzpatrick

Updated: May 1, 2026

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Key Takeaways

AAA earned the top spot for home and auto bundles in California with a 4.7 out of 5 MoneyGeek score and the cheapest bundled rate at $2,274 a year.

Farmers offers California's highest home and auto bundle discount at 18%, saving policyholders $733 a year.

A bigger bundle discount doesn't always mean a lower bill — comparing total premiums matters more than the discount percentage.

Best Home and Auto Insurance Bundle in California

AAA leads California's home and auto bundle rankings with a 4.7 out of 5 MoneyGeek score and the lowest annual rate at $2,274. We analyzed 11,900 quotes across 179 California ZIP codes to build that ranking, weighing affordability, customer satisfaction and coverage quality — with extra weight on savings given California's higher-than-average insurance costs. Farmers has the highest bundle discount at 18%, saving policyholders $733 a year.


AAA	4.7	$2,274	13%
Farmers	4.69	$3,287	18%
Progressive	4.66	$2,955	11%
Nationwide	4.53	$3,870	17%
Mercury Insurance	4.49	$3,227	13%

*To learn more about how we rank the top home and auto insurance bundles, see our methodology.

Top 3 Home and Auto Bundle Companies in California

Our analysis of six California bundle providers found AAA, Farmers and Progressive at the top of the rankings. AAA leads on price at $2,274 a year. Farmers has the biggest discount at 18%. Progressive rounds out the top three with the second most affordable premium in the state and the broadest auto coverage lineup we reviewed.

AAA

Best Home & Auto Bundle in California

MoneyGeek Rating

4.7/ 5

5/5Affordability

3.5/5Customer Experience

3.3/5Coverage

Annual Bundle Premium
$2,274
Monthly Bundle Premium
$190
Bundle Savings
13%

pros
- Bundling saves policyholders $342 a year at a 13% discount
- Roadside assistance and emergency services extend beyond standard car insurance coverage
- Earthquake and wildfire coverage are available for AAA home policies
cons
- AAA requires a membership to purchase insurance, adding an annual fee on top of the quoted premium
- Fewer auto coverage add-ons than some competitors
AAA earns a 4.7 out of 5 stars from our team, the highest bundle score among the seven California providers we analyzed. At $2,274 per year, it's the most affordable bundled option in the state. Home coverage is underwritten through CSAA Insurance Group, AAA's California affiliate, which has maintained an A (Excellent) AM Best financial strength rating for more than 90 years.

AAA membership covers towing, lockout service and emergency roadside assistance independent of your auto insurance policy. Its "My Home Hardening" discount adds up to 12.5% off for qualifying improvements like fire-resistant vents and multi-pane windows, combining with the 13% bundle discount for additional savings.

Farmers

Biggest Savings on Home & Auto Bundle in California

MoneyGeek Rating

4.7/ 5

3.8/5Affordability

3.7/5Customer Experience

4.4/5Coverage

Annual Bundle Premium
$3,287
Monthly Bundle Premium
$274
Bundle Savings
18%

pros
- Bundling saves policyholders $733 per year at an 18% discount
- Holds an A (Excellent) AM Best financial strength rating
- Ranks first in California for auto coverage and home customer service
cons
- Signal telematics app is not available to California drivers
- Earned a below-average score in the J.D. Power auto claims study
We give Farmers a score of a 4.7 out of 5, tied for the highest bundle score in California. Its 18% bundle discount saves policyholders $733 a year, and the insurer holds an A (Excellent) AM Best financial strength rating. Farmers has also removed its cap on writing new homeowners policies in California, making it a more accessible option than it was in recent years.

Farmers' home coverage features stand out for California-specific risks. Wildfire and earthquake add-ons are available beyond standard policies. Extended and guaranteed replacement cost coverage is also available as an add-on, paying beyond your dwelling limit if rebuilding costs exceed your coverage — a relevant protection given California's elevated construction costs. For auto, Farmers offers one of the broader lineups of coverage options among California bundle providers, including rideshare, new car replacement and customized equipment coverage.

Progressive

Excellent Bundling Choice in California

MoneyGeek Rating

4.7/ 5

4.2/5Affordability

3.7/5Customer Experience

4/5Coverage

Annual Bundle Premium
$2,955
Monthly Bundle Premium
$246
Bundle Savings
11%

pros
- Second most affordable bundle premium in California at $2,955
- A+ AM Best financial strength rating
- Single deductible when home and auto claims happen simultaneously
cons
- Home claims may route through a third-party underwriter
- Earned a below-average score in the J.D. Power home insurance study
Progressive earns a 4.7 out of 5 score and offers the second most affordable bundle premium among the California providers we analyzed at $2,955 a year. Its A+ AM Best financial strength rating (the highest available) gives it an edge over several competitors in the state on financial stability.

The feature that separates Progressive from other California bundle providers is its single deductible benefit. When a covered event damages both your home and car at the same time, bundled policyholders pay one deductible rather than two — a meaningful financial protection in a state where wildfires can damage both simultaneously. For auto, Progressive offers one of the broader coverage lineups among California bundle providers, including rideshare and gap insurance options most competitors don't include at this price point.

Cheapest Home and Auto Bundle in California

AAA is California's most affordable bundle provider at $2,274 a year and earned the highest score in our analysis of 11,900 quotes across 179 ZIP codes. Farmers has the biggest discount at 18%, saving policyholders $733 a year, but its bundled premium of $3,287 is $1,013 more than AAA's rate. We found this pattern across the full dataset: discount percentage and total premium don't move together the way most shoppers expect. Travelers charges $4,682 a year for bundled coverage, more than double AAA's rate, despite offering a competitive discount.


AAA	$2,274	$342
Progressive	$2,955	$362
Mercury Insurance	$3,227	$495
Farmers	$3,287	$733
Nationwide	$3,870	$780
Travelers	$4,682	$968

*Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.

Companies Offering the Biggest Bundle Discount in California

Farmers leads on discount percentage at 18%, but Travelers delivers the most dollar savings at $968 a year while still carrying the highest total premium in our analysis. The table below shows how all six California providers compare.


Farmers	18%	$733	$3,287
Travelers	17%	$968	$4,682
Nationwide	17%	$780	$3,870
Mercury Insurance	13%	$495	$3,227
AAA	13%	$342	$2,274
Progressive	11%	$362	$2,955

*Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.

FINDING HOME AND AUTO BUNDLE INSURANCE IN CALIFORNIA

California's home insurance market has contracted sharply in recent years. State Farm and Allstate have stopped writing new homeowners policies in the state, which directly affects which carriers can offer a true home and auto bundle. The six providers we analyzed are actively writing new homeowners policies in California. Farmers removed its cap on new homeowners policies in late 2025 under California's Sustainable Insurance Strategy, making it a more accessible bundle option than it was previously.

If you've been dropped by your current insurer, your bundle will need to move with it — you can't bundle home and auto across two different carriers. Compare bundled quotes from the providers above before defaulting to the California FAIR Plan, which covers fire and dwelling only and requires a separate policy to fill liability and theft gaps.

How to Get Cheap Home and Auto Bundle Insurance in California

California homeowners can reduce bundle premiums by adjusting coverage levels and taking advantage of available discounts. Insurance costs in the state run higher than the national average because of wildfire and earthquake exposure. The strategies below can help lower your total cost:

Choose a Higher Deductible

We found that raising your home deductible from $500 to $1,000 can lower your annual premium by $112 on average in California. The same logic applies to auto: increasing your comprehensive or collision deductible reduces your premium, though you'll pay more out of pocket after a claim. Have enough cash reserves to cover the difference before making the switch on either policy.

Try a Telematics Auto Program

Programs like Progressive's Snapshot app track driving habits including speed, braking and mileage, and can cut your auto rate by up to 30%. Those savings stack on top of your bundle discount, making telematics one of the higher-value options for California drivers already paying above-average rates.

Add Fire-Resistant Home Features

Defensible space landscaping, fire-resistant roofing and ember-resistant vents can qualify for wildfire mitigation discounts in California. AAA's "My Home Hardening" program offers up to 12.5% off for qualifying improvements. These credits stack with bundle savings, reducing your home premium at renewal.

Compare Quotes When Your Policy Renews

California's insurance market has shifted enough in the past two years that your current bundle may no longer be the most competitive option. Rates across the six providers we analyzed range from $2,274 to $4,682 a year, which is a $2,408 spread for comparable coverage. Comparing bundled quotes at renewal takes less time than most policyholders expect and can produce meaningful savings.

Home and Auto Bundle Insurance in California: FAQ

Here are answers to the questions California residents ask most about bundling home and auto insurance.

Do California's regional risks affect bundle insurance rates?

Yes, and the effect on home premiums is the main reason California bundle costs rank among the highest in the country. Insurers price home policies based on fire risk ratings, proximity to wildland areas and defensible space when covering high-risk areas like Malibu, Paradise and Santa Rosa. Those elevated home premiums raise the total cost of any bundle. Fire-resistant roofing and defensible landscaping can qualify for wildfire mitigation discounts that help offset the increase.

Which company has the best bundle in California for homeowners who want more coverage?

AAA earned 4.7 out of 5 stars and the highest bundle ranking among the California providers we analyzed. Its home policies include add-ons like equipment breakdown protection and service line coverage for utility repairs, options that go beyond what most standard policies include.

Should I bundle home and auto insurance in California?

Yes. Every provider in MoneyGeek's California analysis saves policyholders money through bundling, with annual savings ranging from $342 to $968 depending on the carrier. Combining policies also consolidates billing and renewals with one insurer. If your home insurer has stopped writing new policies in California, you'll need to move both policies to a carrier that's actively writing homeowners coverage to qualify for a bundle discount. Compare bundled quotes against separate quotes before committing.

Can I still bundle home and auto insurance in California if my insurer stopped writing new policies?

Yes, but you'll need to move both policies to a carrier that's actively writing homeowners and auto coverage in the state. You can't bundle home and auto across two different carriers and still qualify for a bundle discount. All the providers in our California analysis are writing new policies. If your current carrier has exited the market, compare bundled quotes from these providers before considering the California FAIR Plan, which covers fire and dwelling only and requires a separate policy for liability and theft.

Best Cheap Home and Auto Bundle Insurance in California: Our Methodology

MoneyGeek analyzed 11,900 quotes across 179 California ZIP codes to rank the best home and auto bundle insurers in the state. Rate data was sourced from Quadrant Information Services; AM Best, J.D. Power and the California Department of Insurance provided additional scoring data. These figures are averages. Actual rates vary by ZIP code, claims history and individual profile.

Bundle scores average each provider's home and auto category scores, weighted separately then combined.

Auto score:

Affordability (60%): Rate quotes were collected for multiple driver profiles, including young drivers, seniors and drivers with violations. The California baseline uses a 40-year-old driver with good credit, a clean record, a 2021 Toyota Camry, 50/100 full coverage and a $1,000 deductible.
Customer experience (30%): Satisfaction data was compiled from Google reviews, J.D. Power ratings and AM Best financial strength scores, organized by state.
Coverage options (10%): We assessed each provider's range of coverage types and policy features.

Home score:

Affordability (55%): We compared rates for identical coverage across providers and evaluated discount availability. The California baseline uses a homeowner aged 41 to 60 with good credit, a 2,500-square-foot home built in 2000, $250,000 dwelling coverage, $125,000 personal property, $200,000 liability and a $1,000 deductible.
Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback were used to assess claims handling after covered losses.
Coverage options (15%): We assessed add-on availability, with particular attention to California-specific risks including wildfire and earthquake coverage.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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