Best and Cheapest Home and Auto Bundle Companies in Kentucky (2023)

State Farm offers the best auto and home insurance in Kentucky, providing quality customer service, bundling discounts and low premiums. It also has the most affordable bundle with an average annual premium of $2,387.

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Advertising & Editorial DisclosureLast Updated: 1/24/2023
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iconBestInsurance BundleKentucky
2023
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Methodology

Why trust MoneyGeek? Kentucky bundle rates are supported by our analysis of quotes, and ratings for the best bundles are based on our proprietary scoring system that balances cost and discounts with service experience.

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The Best Home and Auto Bundles in Kentucky

MoneyGeek found that the best bundled insurance offers significant savings, dependable customer support and reasonable rates. According to our research, the following insurers offer the overall best bundle insurance in Kentucky:

  • State Farm: MoneyGeek score of 89 out of 100
  • Allstate: MoneyGeek score of 78 out of 100

For both auto insurance and home insurance, State Farm and Allstate received the same MoneyGeek rating. When it comes to premiums, the overall best company, State Farm, is cheaper. It also gives better discounts when you bundle your insurance policies.

State Farm

pros

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Earned an exceptional rating for home and auto insurance customer service

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Offers the largest savings for bundling

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Has the lowest bundle premium

cons

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Has limited options for car insurance coverages

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Does not offer accident forgiveness

COMPANY HIGHLIGHTS

In Kentucky, State Farm has the cheapest average bundle premium at $2,387 per year. Its MoneyGeek rating for customer service is 4 out of 5 in both car insurance and home insurance services. This indicates that State Farm balances both affordable premiums and good customer service.

State Farm provides the largest discount for bundling. If you bundle your home insurance and auto insurance in Kentucky with State Farm, you can get a discount of approximately 24%. Annually, your average savings can be around $743.

Other than rideshare insurance, State Farm doesn't provide many rare coverages for auto insurance. One common coverage you can add to your policy is roadside assistance. In the event of problems when you're traveling, roadside assistance can reimburse you for repairs, towing, locksmith work and other emergency services.

Several coverages can be added to your home insurance policy with State Farm. For example, if no one has been living in your house for 30 days and there has been vandalism or glass breakage, your home insurance can cover the costs of these repairs. However, this will only be in place if you add vacancy coverage to your policy.

Read MoneyGeek's State Farm Auto Insurance Review
Allstate

pros

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Earned a high rating for auto and home insurance

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Offers custom parts coverage

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Offers new car replacement coverage

cons

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Does not offer better car replacement

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Does not offer defensive driving discount

COMPANY HIGHLIGHTS

With an average annual premium of $2,437, Allstate ranks second for affordability. For both home and auto insurance, Allstate’s customer service achieved an above-average MoneyGeek rating of 4 out of 5. Combining your home and auto insurance policies will help you save an average of 9% or $255 on your rate.

The customized components of your car can be protected by your Allstate auto insurance policy in the event of comprehensive type damage. This covers carpeting, bars, decals and other qualified parts to your car that you’ve personalized. Custom parts coverage is typically not provided by other insurers. It’s not automatically included in your auto insurance, but you can add it to your policy.

The appliances and other equipment in your home that help you save electricity can be covered by your Allstate home insurance. If covered items have been damaged or destroyed, the energy efficiency upgrade coverage will help you replace these items with energy-efficient ones.

Read MoneyGeek's Allstate Auto Insurance Review

The Best Home and Auto Bundles in Kentucky for Military Backgrounds

USAA received a MoneyGeek score of 90 out of 100, making it the best bundle insurance in Kentucky. Its customer satisfaction ratings for both home and auto insurance are the highest among the other insurers in the state. However, only clients with a military background can purchase a USAA policy.

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MoneyGeek Top Pick
USAA

Purchasing your home and auto insurance in Kentucky with USAA costs $2,170 per year. On average, the bundling discount offered by USAA is 6%, helping you save about $132 per year.

Accident forgiveness coverage on your USAA auto insurance policy stops your premium from becoming more expensive if you’re involved in an at-fault accident. USAA home insurance policies can also include earthquake coverage to help you pay for the damages caused by an earthquake.

The Best Home and Auto Bundle Discounts in Kentucky

In Kentucky, the average bundle discount is 12%. By purchasing both your house and auto insurance from the same company, you can save about $343 a year.

Bundling savings in Kentucky can be between 6% and 24%. The company that can give you the most savings is State Farm, which provides a roughly 24% bundling discount. The smallest bundling discount is from Travelers, at around 8%. If you’re eligible for USAA services, you can get a discount of approximately 6%.

State Farm offers the cheapest home and auto insurance in Kentucky, with an average bundle cost of $2,387 per year. However, the best bundle insurance depends on what you’re looking for as well as your personal circumstances. It’s important to consider other factors, like customer satisfaction, in choosing your insurer.

Home and Auto Bundle Discount in Kentucky

The Cheapest Home and Auto Bundles in Kentucky

The price of your insurance depends on a variety of factors. According to MoneyGeek, these companies offer the cheapest average home and car insurance in Kentucky:

  • State Farm: $2,387 per year
  • Allstate: $2,437 per year

Active members of the military, veterans and their eligible family members can get the lowest rates from USAA. In Kentucky, the cost of bundle insurance from USAA is approximately $2,170 per year.

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MoneyGeek Top Pick
State Farm

Combining your home and car insurance with State Farm gives you a 24% discount, reducing your annual premium to $2,387 on average. State Farm offers more discounts to help you increase your savings.

You may qualify for a safe driving discount if you go three years in a row with no infractions on your record. You can also receive a discount if you insure multiple vehicles with State Farm.

State Farm even has discounts for certain roofing materials. When you choose particular impact-resistant materials for your roof, you can save money on your State Farm homeowner's insurance.

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  • Car Insurance
    Annual Premium
  • State Farm
    $2,387
  • Allstate
    $2,437
  • Travelers
    $2,628

The Cheapest Non-Bundle Insurance Combinations in Kentucky

Insurers have a long list of discounts that you can take advantage of, even if you decide to buy coverage from various insurers. Aside from discounts, you can also earn savings by looking for the most affordable companies for each kind of policy.

In Kentucky, the cheapest option is to purchase auto insurance from State Farm and home insurance from Allstate. This combination gives you a total cost of around $2,365 per year on your premium.

In fact, doing this is a little cheaper than bundle insurance in Kentucky. State Farm, the most affordable bundling option, costs $2,387 per year for home and auto insurance.

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  • Auto Company
    Home Insurance
    Annual Premium
  • State Farm
    Allstate
    $2,365
  • State Farm
    Travelers
    $2,450
  • Allstate
    Travelers
    $2,778
  • Travelers
    Allstate
    $2,785
  • Allstate
    State Farm
    $3,457
  • Travelers
    State Farm
    $3,550

Should You Bundle Home and Auto Insurance in Kentucky?

In Kentucky, bundling home and vehicle insurance can save you money. It’s also more convenient, helping you save time in the long run. However, it might not be the best option for some people since you can find other ways to get discounts or lower premiums.

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    Bundle discounts in Kentucky can save you between 6% and 24% per year.

    Bundling helps reduce your annual premium savings by 6% to 24%. Depending on your insurer, you can save approximately $132 to $743 per year just by purchasing your home and auto insurance from the same company. State Farm provides the biggest bundling discount in Kentucky.

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    Bundles are a convenient way to combine your most important property insurance policies.

    Life is more convenient when you have your insurance policies with just one company. Handling your account only requires dealing with one company. As a result, you won’t have to spend more time and effort talking to different people, going to different offices and interacting with companies.

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    In rare cases, it might be better not to bundle in Kentucky.

    Purchasing auto insurance from State Farm and home insurance from Allstate can give you an average annual premium of $2,365. The cheapest bundled option in Kentucky costs $2,387 annually. Based on these numbers, bundling is not always the cheapest way to get home and auto insurance in Kentucky.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.