Amica offers the most affordable home and auto bundle rates across all dwelling coverage levels in Connecticut. At $100,000 in dwelling coverage, the annual rate starts at $2,837, then rises to $3,320 at $250,000 dwelling and $3,964 at $500,000 dwelling coverage. Moving up to $750,000 dwelling, Amica's rate reaches $4,465 per year, while the $1 million dwelling level costs $5,128 annually. Use the filters to compare rates at the coverage level that matches your home's value.
Best Cheap Home and Auto Bundle Insurance in Connecticut
Updated: April 3, 2026
Advertising & Editorial Disclosure
Key Takeaways
At $3,320 per year, Amica has the lowest home and auto bundle rate in Connecticut. Read more.
State Farm leads Connecticut on bundle discounts at 22%, good for $1,167 in annual savings. Read more.
Amica is the best home and auto bundle in Connecticut with a MoneyGeek score of 4.9 out of 5. Read more.
Cheapest Home and Auto Bundle in Connecticut
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
40
| Amica | $3,321 | $503 |
| State Farm | $4,108 | $1,167 |
| Allstate | $4,142 | $568 |
| Farmers | $4,286 | $881 |
| Progressive | $4,996 | $282 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
Companies Offering the Biggest Bundle Discount in Connecticut
State Farm offers both the highest percentage discount at 22% and the largest dollar savings at $1,167 annually in the state. With a bundled premium of $4,108, it's a good choice for homeowners who want savings without sacrificing coverage quality. But residents shouldn't overlook Amica, which remains the most affordable option overall at $3,320 per year. State Farm offers the best combination of discounts and competitive pricing for most Connecticut policyholders.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| State Farm | 22% | $1,167 | $4,108 |
| Farmers | 17% | $881 | $4,286 |
| Amica | 13% | $503 | $3,321 |
| Allstate | 12% | $568 | $4,142 |
| Progressive | 5% | $282 | $4,996 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates across different coverage levels.
Best Home and Auto Bundle Companies in Connecticut
Connecticut's top home and auto bundle options combine strong financial stability with competitive pricing and comprehensive coverage. Amica leads the state with a MoneyGeek score of 4.9 out of 5, with affordable auto rates and high customer satisfaction ratings from J.D. Power. Farmers follows closely at 4.6 out of 5, offering extensive coverage options and a strong home insurance customer experience through its network of local agents.
| Cheapest Bundle | Amica | 4.9 | $3,321 |
| Best Overall | Amica | 4.9 | $3,321 |
| Runner-Up | Farmers | 4.6 | $4,286 |
| Biggest Discount | State Farm | 4.6 | $4,108 |
Best Overall: Amica
pros
Amica returns dividends to policyholders as a mutual company, providing additional value beyond the standard bundle discount.
Top MoneyGeek score in Connecticut at 98 out of 100, the highest among providers in the analysis.
Policyholders save $503 per year by bundling home and auto at a 13% discount.
Offers comprehensive claim service with local adjusters throughout New England and 24/7 support for Connecticut customers.
cons
Auto coverage options rank fourth among the five providers in MoneyGeek's analysis, indicating more limited policy features compared to competitors.
Home coverage ranks third, suggesting some gaps in policy options relative to other top-rated insurers.
Amica's availability in Connecticut may be more limited in certain ZIP codes compared to larger national carriers with broader geographic coverage.
COMPANY HIGHLIGHTS
Amica scores 98 out of 100 (4.9 out of 5) and ranks first among Connecticut's home and auto bundle providers. At $3,320 per year, bundled policyholders save $503 annually, a 13% discount over separate policies.
Amica's home policies in Connecticut include guaranteed replacement cost coverage and personal property protection that extends beyond standard limits. As a mutual insurer, Amica returns profits to policyholders through annual dividends when financial performance allows.
The company's customer service ranks among the industry's best, with local claim representatives available throughout Connecticut and 24/7 support for policy questions and claims reporting.
Runner-Up: Farmers
pros
Farmers ranks first among Connecticut providers for auto coverage quality and options.
Runner-up bundle provider in Connecticut with a MoneyGeek score of 92 out of 100.
Policyholders save $881 per year by bundling home and auto at a 17% discount.
Signal telematics program rewards safe driving habits with additional discounts beyond the standard bundle savings.
cons
Auto customer satisfaction ranks last among Connecticut's top bundle providers in the analysis.
At $4,286 per year, the bundled rate is one of the pricier options in the analysis.
Trails Amica's top score of 98 by six points in MoneyGeek's overall ranking.
COMPANY HIGHLIGHTS
At $4,286 per year, Farmers is Connecticut's second-ranked home and auto bundle provider with a MoneyGeek score of 92 out of 100 (4.6 out of 5). Policyholders save $881 per year through a 17% bundle discount.
Farmers ranks first among Connecticut providers for coverage options.The company offers Signal, a usage-based insurance program that tracks driving habits through a mobile app to provide potential discounts for safe driving behaviors like smooth braking and avoiding phone use while driving. Home policies in Connecticut include coverage for personal property replacement cost and additional living expenses, with options for equipment breakdown coverage that protects home systems and appliances.
Farmers provides a comprehensive mobile app that allows bundled policyholders to manage both policies, file claims with photo uploads, and access roadside assistance directly from their phone.
How to Get Cheaper Home and Auto Bundle Insurance in Connecticut
Connecticut homeowners can reduce their bundle premiums by adjusting coverage levels and taking advantage of available discounts. Since the state's coastal location and high property values drive insurance costs above the national average, these strategies become valuable.
Choose a Higher Deductible
Increasing your home deductible from $500 to $1,000 or higher reduces your premium costs. You'll pay more out-of-pocket if you file a claim, so make sure you have adequate cash reserves before making this change.
Try a Telematics Auto Program
Amica's mobile app offers usage-based auto discounts through driving behavior tracking, rewarding safe drivers with additional savings beyond the bundle discount.
Add Storm-Resistant Home Features
Installing impact-resistant roofing, storm shutters and wind-resistant upgrades helps protect against Connecticut's hurricane and winter storm risks. These improvements qualify for premium discounts that combine with your bundle savings.
Keep Your Credit Score Strong
Connecticut insurers use credit-based insurance scoring to set both home and auto premiums. Maintaining good credit helps lower your rates at renewal time, maximizing your bundle discounts.
Home and Auto Insurance in Connecticut: FAQ
Does Connecticut's regional risk affect bundle insurance rates?
Yes. Connecticut's hurricane exposure is the main reason for high home insurance premiums, which directly increases bundle costs since home coverage represents the larger portion of combined policies. Insurers assess coastal proximity, wind zone ratings and flood risk when pricing Connecticut properties. Installing hurricane straps and impact-resistant windows can help offset premium increases.
Which company has the best bundle in Connecticut for homeowners who want more coverage?
State Farm leads Connecticut's homeowner insurance market for comprehensive coverage with a MoneyGeek score of 91. The company offers valuable add-ons like equipment breakdown protection for appliances, service line coverage for utility connections and disappearing deductibles that reward claim-free years. But Amica scores higher at 98 overall for homeowners prioritizing both coverage quality and exceptional service.
Should I bundle home and auto insurance in Connecticut?
Yes. Every provider in MoneyGeek's Connecticut analysis offers bundling savings. Connecticut's higher insurance costs make combining home and auto policies one of the most effective ways to reduce your overall premiums. Bundling also means one insurer, one renewal date and one point of contact. Always compare bundled rates against separate quotes before committing.
Best Auto and Home Insurance Bundle in Connecticut: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the Connecticut Insurance Department, Quadrant Information Services, AM Best and J.D. Power. Premiums are averages and vary by ZIP code, claims history and individual profile.
- MoneyGeek score: Weights affordability, customer satisfaction (AM Best and J.D. Power) and coverage quality
- Baseline driver: 40-year-old with good credit, 2021 Toyota Camry, 50/100 full coverage with $1,000 deductible
- Baseline home: $250,000 dwelling, $125,000 personal property, $200,000 liability
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.