Progressive leads Georgia's home and auto bundle rankings with a MoneyGeek score of 95 out of 100, while also offering the lowest annual premium at $3,300. State Farm has the largest bundle discount in the state at 24%, saving policyholders $1,477 a year. Georgia's insurance costs run higher than the national average, so MoneyGeek weighted affordability more heavily alongside customer satisfaction and coverage quality.
Best Cheap Home and Auto Bundle Insurance in Georgia
Updated: April 7, 2026
Advertising & Editorial Disclosure
Key Takeaways
Progressive earns Georgia's highest MoneyGeek score for home and auto bundles at 95 out of 100. Read more.
State Farm offers Georgia's biggest bundling discount at 24%, saving policyholders $1,477 a year. Read more.
At $3,300 a year, Progressive offers Georgia's most affordable home and auto bundle. Read more.
Best Home and Auto Bundle Insurance in Georgia
| Best Overall | Progressive | $3,300 | 4.7 |
| Runner-Up | Allstate | $3,673 | 4.6 |
| Cheapest Bundle | Progressive | $3,300 | 4.7 |
| Biggest Discount | State Farm | $4,672 | 4.6 |
Best Home and Auto Bundle Companies in Georgia
Progressive and Allstate lead Georgia's home and auto bundle market. Progressive scores 95 out of 100 on MoneyGeek's analysis, backed by competitive pricing and its Snapshot telematics program. Allstate scores 93 out of 100 and has more than 200 local agents across the state, plus its Drivewise program for safe-driver discounts.
Progressive: Best Overall in Georgia
pros
Snapshot telematics program rewards safe Georgia drivers with additional discounts
Top-ranked bundle provider in Georgia with a MoneyGeek score of 95 out of 100
Policyholders save $301 per year by bundling home and auto at an 8% discount
Name Your Price tool helps drivers find affordable auto coverage that fits their financial needs
cons
Home insurance coverage options rank last among the four providers analyzed in Georgia
Home customer experience ranks fourth out of four providers in MoneyGeek's analysis
Progressive underwrites home insurance through affiliate partnerships rather than directly, which can affect service consistency
COMPANY HIGHLIGHTS
Progressive earns the top bundle score in Georgia at 95 out of 100 (4.7 out of 5 stars). At $3,300 a year, bundling saves policyholders $301, an 8% discount compared to buying policies separately.
Progressive's Snapshot program uses driving data to give safe Georgia drivers additional auto discounts on top of the bundle savings. A telematics device or mobile app tracks behaviors like hard braking and rapid acceleration to set personalized rates. Home policies in Georgia are written through affiliate partners, not Progressive directly, which can affect service consistency.
Progressive's mobile app lets bundled policyholders manage both policies in one place, with roadside assistance requests and claims photo uploads available through the app.
Allstate: Runner-Up Bundle in Georgia
pros
Drivewise telematics program rewards safe driving habits with additional discounts
Runner-up bundle provider in Georgia with a MoneyGeek score of 93 out of 100
Policyholders save $562 per year by bundling home and auto at a 13% discount
Home coverage options include equipment breakdown protection and service line coverage for complete property protection
cons
Home customer experience ranks third among the four top providers in Georgia's bundle analysis
Auto customer satisfaction also places third in the study, trailing competitors in service quality measures
Auto coverage options rank lower than most competitors included in the analysis
COMPANY HIGHLIGHTS
At $3,673 a year, Allstate ranks second in Georgia's home and auto bundle market with a MoneyGeek score of 93 out of 100 (4.6 out of 5 stars). Policyholders save $562 a year through a 13% bundle discount.
Allstate's Drivewise program uses telematics to track driving habits and gives safe drivers additional discounts on top of bundle savings. Georgia home policies include coverage for severe weather risks like hail damage and windstorms. Allstate also offers identity theft protection and new car replacement as standard features.
Allstate's Digital Locker tool lets bundled policyholders build and maintain a home inventory, which can speed up claims after a covered loss.
Cheapest Home and Auto Bundle in Georgia
Progressive offers the lowest home and auto bundle premium in Georgia at $3,300 a year, paired with the highest MoneyGeek score at 95 out of 100. State Farm has the biggest discount at 24%, saving policyholders $1,477 a year, but its bundled premium of $4,672 is the most expensive in the analysis. A larger discount doesn't always mean a lower total bill. Progressive is the better pick for Georgia residents who want both low cost and high coverage quality.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| Progressive | $3,300 | $301 |
| Allstate | $3,673 | $562 |
| Farmers | $4,588 | $951 |
| State Farm | $4,672 | $1,477 |
*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 Georgia
State Farm has Georgia's biggest bundle discount at 24%, saving policyholders $1,477 a year. Farmers is second at 17%, worth $951 a year. A bigger discount doesn't guarantee a lower total bill. State Farm's bundled premium of $4,672 is the most expensive in the analysis, while Progressive's $3,300 is the lowest.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| State Farm | 24% | $1,477 | $4,672 |
| Farmers | 17% | $951 | $4,588 |
| Allstate | 13% | $562 | $3,673 |
| Progressive | 8% | $301 | $3,300 |
*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.
How to Get Cheap Home and Auto Bundle Insurance in Georgia
Georgia homeowners pay more for insurance than the national average, largely because of the state's severe weather risks. Adjusting coverage levels and stacking discounts are two of the most direct ways to bring bundle premiums down.
Choose a higher deductible
A higher deductible reduces your premium by shifting more risk to you. Moving from a $500 to $1,000 deductible can lower costs, but you'll pay more out-of-pocket for claims. Make sure you have adequate cash reserves before increasing your deductible.
Try a telematics auto program
State Farm's Drive Safe & Save and Progressive's Snapshot track your driving habits like speed, braking and mileage. Safe drivers can earn discounts up to 30% that stack with bundle savings. These programs reward good driving behavior with lower premiums.
Add storm-resistant home features
Impact-resistant roofing, reinforced garage doors and storm shutters can earn premium discounts in Georgia. These improvements protect against the state's severe storms, tornadoes and hail while reducing insurance costs, along with your bundle discount.
Keep your credit score strong
Georgia insurers use credit-based insurance scores to set both home and auto premiums. Good credit can lower your rates at renewal. Paying bills on time and keeping utilization low are the two levers you control.
Home and Auto Bundle Insurance in Georgia: FAQ
Do Georgia's regional risks affect bundle insurance rates?
Yes. Storm risk is the main driver of elevated home insurance premiums in Georgia, which pushes total bundle costs higher. Insurers assess coastal proximity, wind zone classifications and storm surge potential when pricing Georgia properties. Homes in coastal counties like Chatham and Glynn pay the steepest rates because of direct hurricane exposure. Impact-resistant windows and reinforced roofing can help offset those increases in storm-prone areas.
Which company has the best bundle in Georgia for homeowners who want more coverage?
State Farm has the strongest homeowner coverage options in Georgia, scoring 92 out of 100 on MoneyGeek's analysis, with add-ons like equipment breakdown protection and service line coverage. Progressive scores higher overall at 95 out of 100, making it the better pick for policyholders who want a balance of coverage quality and affordability.
Should I bundle home and auto insurance in Georgia?
Yes. Every provider in MoneyGeek's Georgia analysis saves policyholders money through bundling, making it one of the more reliable ways to cut insurance costs. Combining policies also simplifies billing and renewals. Compare bundled rates against separate quotes before committing to make sure you're getting the better deal.
Best Cheap Home and Auto Bundle Insurance in Georgia: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the Georgia Office of Insurance and Safety Fire Commissioner, Quadrant Information Services, AM Best and J.D. Power. These premiums are averages; actual rates vary by ZIP code, claims history and individual profile.
- MoneyGeek score: Factors in affordability, customer satisfaction ratings from 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.