Travelers is Delaware's best home and auto bundle insurer, earning a 4.7/5 MoneyGeek score and offering the state's lowest annual bundled premium at $2,184. I analyzed 120 quotes across four Delaware ZIP codes, weighing affordability, customer satisfaction and coverage quality to build these rankings. State Farm delivers the highest bundle discount at 21%, saving policyholders $762 per year, the largest dollar savings in the state. Delaware's top bundle providers rank competitively against the best home and auto insurance bundles nationally, with Travelers' 4.7/5 score reflecting strong affordability performance relative to carriers in similarly small coastal markets.
Best Home and Auto Insurance Bundle in Delaware
Updated: May 11, 2026
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Key Takeaways
Travelers is the best home and auto bundle insurer in Delaware with a 4.73 out of 5 MoneyGeek score and an annual bundled premium of $2,184, the lowest of any provider analyzed.
State Farm offers the highest bundle discount in Delaware at 21%, translating to $762 in annual savings, the largest dollar savings of any provider in the state.
A bigger bundle discount does not guarantee the lowest total bill. State Farm's 21% discount still results in a $2,843 annual premium, which is $659 more per year than Travelers, which offers only a 10% discount but charges the lowest combined rate in Delaware.
Best Home and Auto Insurance Bundle in Delaware
| Travelers | 4.73 | $2,184 | 10% |
| State Farm | 4.65 | $2,843 | 21% |
| Allstate | 4.5 | $3,604 | 14% |
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 Delaware
Travelers, State Farm and Allstate are Delaware's top three home and auto bundle providers. Travelers leads on price with the lowest annual bundled rate at $2,184. State Farm ranks second for its 21% bundle discount, the highest in the state, saving policyholders $762 per year. Allstate rounds out the top three with a 4.5/5 MoneyGeek score and broad coverage options well-suited to Delaware's coastal homeowners.
Travelers
MoneyGeek Rating
4.7/ 5
5/5Affordability
3.8/5Customer Experience
3.2/5Coverage
Annual Bundle Premium
$2,184Monthly Bundle Premium
$182Bundle Savings
10%
State Farm
MoneyGeek Rating
4.7/ 5
3.7/5Affordability
3.9/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$2,843Monthly Bundle Premium
$237Bundle Savings
21%
Allstate
MoneyGeek Rating
4.5/ 5
2.8/5Affordability
3.5/5Customer Experience
3.8/5Coverage
Annual Bundle Premium
$3,604Monthly Bundle Premium
$300Bundle Savings
14%
Cheapest Home and Auto Bundle in Delaware
Travelers offers the cheapest home and auto bundle in Delaware at $2,184 per year. State Farm delivers the biggest dollar savings at $762 per year through its 21% bundle discount, but its total annual premium of $2,843 is still $659 more than Travelers'. The provider with the highest discount percentage isn't always the cheapest option in total. Delaware's standalone auto rates are a key part of what drives total bundle costs, and the average car insurance costs in Delaware show how much the auto component contributes to each provider's bundled premium.
| Travelers | $2,184 | $246 |
| State Farm | $2,843 | $762 |
| Allstate | $3,604 | $568 |
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 Delaware
State Farm offers the highest bundle discount in Delaware at 21%, saving policyholders $762 annually, both the highest percentage and the largest dollar savings of any provider in the state. State Farm's total annual bundled premium of $2,843 remains $659 more than Travelers', which offers only a 10% discount but charges the lowest combined rate. Delaware shoppers should always compare total premiums alongside discount percentages to find the best value.
| State Farm | 21% | $762 | $2,843 |
| Allstate | 14% | $568 | $3,604 |
| Travelers | 10% | $246 | $2,184 |
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 DELAWARE
Delaware's coastal geography, including beach communities near Rehoboth and Bethany Beach and bay-area properties along the Delaware Bay, can affect home insurance availability and pricing. Standard home and auto bundles don't include flood coverage. Flood insurance requires a separate policy through the National Flood Insurance Program (NFIP) or a private flood insurer. All three providers in my Delaware analysis, Travelers, State Farm and Allstate, are actively writing policies in the state, though coverage availability in high-risk coastal ZIP codes may vary. The best homeowners insurance in Delaware includes carriers that write policies in coastal ZIP codes where bundle options are most limited.
How to Get Cheap Home and Auto Insurance Bundle in Delaware
Delaware's coastal exposure to wind and storm surge raises home insurance premiums in beach communities and bay-area properties, which in turn increases total bundle costs. Understanding these local cost drivers can help you find strategies to lower your combined premium.
- 1
Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can lower your annual home insurance premium. The same logic applies to your auto policy: increasing your comprehensive and collision deductibles reduces your monthly payment. Before making this change, make sure you have enough cash reserves to cover the higher out-of-pocket cost if you need to file a claim.
- 2
Try a Telematics Auto Program
Telematics programs track driving behaviors like speed, hard braking, and mileage to calculate a personalized auto rate. Progressive's Snapshot and State Farm's Drive Safe & Save are available to Delaware drivers and can produce rate reductions for safe drivers. These savings stack on top of your bundle discount, making them especially valuable for households already taking advantage of a multi-policy deal.
- 3
Protect Your Home Against Coastal Wind and Flood Risk
Delaware homeowners in coastal communities pay more for home insurance due to elevated wind and storm surge exposure. Installing storm-resistant roofing, reinforced windows, and hurricane straps can qualify your home for wind mitigation discounts from carriers like Travelers and Allstate. Flood insurance is never included in a standard home and auto bundle. You will need a separate NFIP or private flood policy to cover flood damage to your Delaware property.
- 4
Compare Quotes When Your Policy Renews
Delaware's bundled annual premiums range from $2,184 at Travelers to $3,604 at Allstate, a spread of $1,420 per year. Comparing bundled quotes at renewal takes less time than most homeowners expect and can produce substantial savings. Even switching from the second-cheapest to the cheapest provider could save you more than $650 annually based on current Delaware rates.
Home and Auto Insurance Bundle in Delaware: FAQ
Here are answers to the questions Delaware residents ask most about bundling home and auto insurance.
Does Delaware's coastal location affect home and auto bundle rates?
Yes. Delaware's coastal geography, including beach communities along the Atlantic and properties near the Delaware Bay, increases home insurance premiums because of elevated wind and storm surge exposure, which raises total bundle costs. Homeowners in these areas pay more for their combined policy than those in inland ZIP codes. Delaware's auto rates also vary across the state, and the average car insurance costs in Delaware show how the auto component affects total bundle pricing by location.
Which company has the best bundle in Delaware for coastal homeowners?
Travelers is the top-ranked provider in Delaware with a 4.7/5 MoneyGeek score and the lowest annual bundled premium at $2,184, making it the strongest option for coastal homeowners who want strong coverage at the lowest price. State Farm's 21% discount saves policyholders $762 annually and its local agent network helps with coastal-specific endorsements for wind and water backup risks. The Travelers insurance review covers how the carrier's coastal coverage options compare to State Farm's for Delaware policyholders weighing price against local service access.
Should I bundle home and auto insurance in Delaware?
Bundling home and auto insurance in Delaware is worth it for most policyholders. The state's top providers offer discounts ranging from 10% to 21%, with annual savings between $246 and $762. Beyond the discount, bundling simplifies policy management by consolidating billing and claims with a single insurer. Delaware's bundle savings are competitive relative to similarly small coastal markets, and the best home and auto insurance bundles nationally show that Delaware's top carriers hold up well on both discount size and total premium.
How do I know if my bundle discount is actually saving me money?
The only way to know is to compare the total bundled premium, not just the discount percentage, against the cost of buying separate policies from different insurers. In Delaware, State Farm's 21% bundle discount still results in a $2,843 annual premium, $659 more than Travelers' 10%-discounted bundle at $2,184. Always get quotes for both bundled and separate policies before deciding.
Does Delaware's small size and coastal geography affect home and auto bundle options?
Yes. Delaware's relatively small market means fewer carriers actively write both home and auto policies in the state compared to larger markets, which limits bundle options. My analysis found only three major providers, Travelers, State Farm and Allstate, offering competitive bundles across the four Delaware ZIP codes studied. Coastal risk in beach and bay-area communities may further restrict availability or increase pricing in certain ZIP codes. The best homeowners insurance in Delaware ranks carriers specifically on coastal availability, which is useful context for policyholders in the state's highest-risk ZIP codes.
Best Home and Auto Insurance Bundle in Delaware: Our Methodology
MoneyGeek analyzed 120 quotes across 4 Delaware ZIP codes to build the rankings on this page. Data sources include Quadrant Information Services; AM Best, J.D. Power, and the Delaware Department of Insurance. Figures are averages and actual rates vary by ZIP code, claims history, and individual profile.
Auto score breakdown:
- Affordability (60%): Rate quotes for multiple driver profiles. Delaware baseline: 40-year-old, good credit, clean record, 2021 Toyota Camry, 50/100 full coverage, $1,000 deductible.
- Customer experience (30%): Google reviews, J.D. Power ratings, AM Best scores organized by state.
- Coverage options (10%): Range of coverage types and policy features for each provider.
Home score breakdown:
- Affordability (55%): Rates compared for identical coverage; discount availability evaluated. Delaware baseline: homeowner aged 41 to 60, good credit, 2,500-sq-ft home built in 2000, $250K dwelling, $125K personal property, $200K liability, $1,000 deductible.
- Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews, app feedback for claims handling.
- Coverage options (15%): Add-on availability with attention to Delaware-specific risks: coastal wind, storm surge, flood, and hurricane coverage.
To learn more, see our auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.) and began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!