The Best Bundled Insurance in Georgia
The Best Home and Auto Bundles in Georgia
The best bundle insurance in Georgia offers a balance of high quality service, affordability and discounts for both home and auto insurance. In Georgia, the top two companies for auto and home insurance are:
- State Farm: MoneyGeek score of 83 out of 100
- Nationwide: MoneyGeek score of 79 out of 100
State Farm has the highest discount score among providers in Georgia. Both State Farm and Nationwide received high ratings for home and auto insurance.
Received a perfect discount score
Scored 4 out of 5 for both home and auto insurance satisfaction
Offers roadside assistance
Has limited unique car insurance coverages
Does not offer pay-in-full discounts
State Farm offers the best auto and home insurance in Georgia at an average annual cost of $3,593. Compared with other providers in Georgia, State Farm has the highest bundling discount at 22%, which is equivalent to a $1,031 discount. State Farm also received good ratings for overall satisfaction for both home and car insurance.
In terms of auto insurance, State Farm offers add-on coverages like roadside assistance and rental car reimbursement. These coverages come in handy in case your car breaks down. Covered services include tire changes, towing and battery deliveries, among others. With rental car or travel reimbursement coverage, you’ll also be reimbursed for travel expenses incurred while your car is getting repaired.
A State Farm home insurance policy includes coverages like home systems protection, which will reimburse you for repairs related to equipment damage caused by unexpected mechanical or electrical breakdowns in your home. This provider also offers protection for your home’s underground sewer, electrical and water systems under the service line coverage.
State Farm’s energy efficiency upgrade coverage is also a good option for homeowners who want to replace damaged equipment or systems in their home with one that is more energy-efficient.
Scored 4 out of 5 for both home and auto insurance
Has high discount score
Offers identity theft coverage
Does not offer discount for early signing
Does not offer new vehicle discounts
If you are looking for the best bundle insurance in Georgia, Nationwide is MoneyGeek’s runner-up pick. A home and auto insurance bundle from Nationwide costs an average of $3,032 per year, which is 11% less than the cost of buying separate policies. Nationwide’s bundle rates are the third cheapest in the state, and it received high ratings for home and auto insurance satisfaction.
Nationwide car insurance offers unique coverage options, including identity theft coverage, which helps cover expenses related to restoring your identity in the event it's stolen. You can also add a total loss deductible waiver to your coverage to ensure that if your car is declared a total loss after an accident, you’ll be reimbursed for your comprehensive or collision insurance deductible.
The insurer’s home insurance policies also include unique coverage options, such as better roof replacement coverage, which will cover the cost of replacing your roof with stronger and safer roofing materials if it gets damaged. You can also add coverage for earthquake damage to your home, but you will need to pay a separate deductible.
The Best Home and Auto Bundles in Georgia for Military Backgrounds
If you have a military background, USAA is the best option for home and auto insurance bundles in Georgia. USAA has the cheapest rates overall at $2,450 per year and also has the highest satisfaction scores for both home and auto insurance in Georgia.
USAA’s auto and home insurance bundle costs $2,450 per year, which is 6% less than the cost of buying separate policies. This means you can save $143 per year by bundling policies. USAA also stands out for having the highest satisfaction scores for home and auto insurance among providers in Georgia.
There are several add-on coverages to supplement your USAA car insurance policy. For instance, the optional add-on coverage for accident forgiveness will ensure that your premiums won’t increase after your first at-fault accident. USAA also offers rental car or travel reimbursement, which is useful when your car is in the shop for repairs and you need to cover travel expenses.
For an additional cost, you can also add supplemental coverage to your USAA home insurance policy. This includes earthquake insurance, which will reimburse you for earthquake-related damage to your home. Home rental coverage is an additional useful add-on coverage if you rent out or share your home.
The Best Home and Auto Bundle Discounts in Georgia
The average home and auto insurance bundle discount in Georgia is $524 per year, which means you can save up to 15% on the cost of your annual insurance premium. State Farm offers the largest bundling discount at an average of 22%, whereas USAA offers the smallest discount at 6%.
In some cases, the company with the highest discount will not necessarily have the cheapest rates. For instance, although State Farm offers the largest discount, it is still more expensive than Allstate.
The Cheapest Home and Auto Bundles in Georgia
Regardless of discounts, the cheapest home and auto insurance in Georgia is offered by:
- Allstate: $2,987 per year
- Nationwide: $3,032 per year
Those with a military background will find that USAA offers the cheapest home and auto insurance bundle in Georgia, at an average of $2,450 per year.
If you’re looking for the cheapest home and auto insurance in Georgia, Allstate offers a 16% bundling discount. You can buy an Allstate home and auto policy at $2,987 per year, which saves you $906 in comparison to buying separate home and auto policies.
Allstate also offers various car insurance discounts that can help lower the cost of your annual premium even more. To receive a better annual premium rate, you can take advantage of its safe driving and safety equipment discounts. Allstate will also give you a discount for early signing, making timely payments and paying in full.
You can also take advantage of Allstate’s home insurance discounts, including responsible payment, claims-free and new home discounts, to get better rates on your auto and home insurance bundle.
The Cheapest Non-Bundle Insurance Combinations in Georgia
Aside from bundling insurance policies, you can also save on the cost of your annual premium by purchasing auto and home insurance policies with different providers.
In Georgia, the cheapest non-bundle insurance combination is Allstate’s auto insurance ($1,458) and Nationwide’s home insurance ($1,843) for a total premium of $3,301. However, the cheapest non-bundle combination is still more expensive than the cheapest bundle offered by Allstate for an average of $2,987 per year.
Should You Bundle Home and Auto Insurance in Georgia?
Bundling home and auto insurance in Georgia is generally a good idea if you want to save on time and money. However, depending on your needs, it may be prudent to purchase policies from different providers to ensure you receive proper coverage.
Bundle discounts in Georgia can save you between 6% and 22% per year.
In Georgia, you can save between $143 and $1,031 per year by bundling your home and auto insurance policies. Allstate offers the highest bundling discount at an average of 22%, whereas USAA offers the lowest discount at 6%.
Bundles are a convenient way to combine your most important property insurance policies.
Most companies will offer bundling discounts if you buy a home and auto insurance policy. This will help you save on your insurance costs. It’s also easier to make payments and manage your account through a single provider.
In rare cases, it might be better not to bundle in Georgia.
Depending on your profile, you may be able to get better rates by not bundling your auto and home insurance policies. Insurance companies calculate your premium based on individual factors so you may be able to find a cheaper non-bundled combination.
About Mark Fitzpatrick