Best Home and Auto Insurance Bundle in Maryland

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Updated: August 31, 2026

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Key Takeaways
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State Farm is the best home and auto bundle in Maryland with a 4.81 out of 5 MoneyGeek score and an annual bundled rate of $3,029, the lowest of any provider in my analysis.

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State Farm also offers the highest bundle discount in Maryland at 23%, translating to $923 in annual savings compared to buying policies separately.

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A bigger discount does not always mean a lower total bill. In Maryland, Travelers offers a 17% discount worth $1,489 in savings, yet its annual bundled premium of $7,438 is still $4,409 more per year than State Farm's $3,029, proof that the base rate matters as much as the discount percentage.

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Best Home and Auto Insurance Bundle in Maryland

State Farm is the best home and auto bundle insurer in Maryland, with a 4.8/5 MoneyGeek score and offering the lowest annual bundled rate of $3,029. I analyzed 640 quotes across eight Maryland ZIP codes and ranked providers on a weighted combination of affordability, customer satisfaction and coverage quality.

State Farm also leads the state on bundle discount at 23%, so policyholders save $923 per year compared to purchasing policies separately. Maryland's top bundle providers rank competitively against the best home and auto insurance bundles nationally, with State Farm's 4.8/5 score placing it among the highest-rated carriers in MoneyGeek's full 50-state analysis.

State Farm4.81$3,02923%
Farmers4.72$4,60417%
Nationwide4.65$4,27219%
Allstate4.51$5,87517%
Travelers4.43$7,43817%

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 Maryland

Three providers top Maryland's home and auto bundle rankings: State Farm, Farmers and Nationwide.

At $3,029 a year, State Farm's annual bundled rate beats every other provider in Maryland, and its 23% bundle discount is the state's largest too. Farmers takes second place on the composite score, thanks to coverage scores that outpace both other providers. That's a good match for Maryland homeowners after broader coverage.

Nationwide comes in third, backed by a competitive 19% discount and solid customer satisfaction scores. In a state where coastal hurricane and storm surge exposure along the Chesapeake Bay and Atlantic shoreline puts a premium on insurer stability and fast claims response, that combination makes it a good choice.

State Farm

State Farm

MoneyGeek Rating
4.8/ 5
5/5Affordability
3.9/5Customer Experience
3.1/5Coverage

  • Annual Bundle Premium

    $3,029

  • Monthly Bundle Premium

    $252

  • Bundle Savings

    23%
Farmers

Farmers

MoneyGeek Rating
4.7/ 5
4/5Affordability
3.7/5Customer Experience
4.4/5Coverage

  • Annual Bundle Premium

    $4,604

  • Monthly Bundle Premium

    $384

  • Bundle Savings

    17%
Nationwide

Nationwide

MoneyGeek Rating
4.7/ 5
4.2/5Affordability
3.7/5Customer Experience
3.5/5Coverage

  • Annual Bundle Premium

    $4,272

  • Monthly Bundle Premium

    $356

  • Bundle Savings

    19%

Cheapest Home and Auto Bundle in Maryland

At $3,029 a year, no Maryland provider beats State Farm's home and auto bundle on price, and its 23% discount, the state's largest, saves policyholders $923 a year on top of that. Travelers' 17% discount looks generous at $1,489 in annual savings, yet its $7,438 total premium still costs more than double what State Farm charges. Bigger savings on paper don't guarantee a smaller final bill. Total bundle costs in Maryland hinge in part on standalone auto rates, and the average cost of car insurance in Maryland breaks down how that auto piece shifts across the state's urban and coastal ZIP codes.

State Farm$3,029$923
Nationwide$4,272$983
Farmers$4,604$948
Allstate$5,875$1,190
Travelers$7,438$1,489

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 Maryland

State Farm offers the highest bundle discount in Maryland at 23%, saving policyholders $923 per year. Because its base rates are also the lowest, State Farm produces both the biggest percentage discount and the cheapest total premium. Travelers offers a 17% discount producing $1,489 in annual savings, yet its total bundled premium of $7,438 is $4,409 more per year than State Farm's $3,029, showing how a larger dollar savings figure can still leave policyholders paying far more overall.

State Farm23%$923$3,029
Nationwide19%$983$4,272
Farmers17%$948$4,604
Allstate17%$1,190$5,875
Travelers17%$1,489$7,438

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.

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FINDING HOME AND AUTO BUNDLE INSURANCE IN MARYLAND

Maryland's Chesapeake Bay shoreline and Atlantic coastal communities are higher risk due to hurricane and storm surge exposure. If you own a home in a coastal or Bay-area ZIP code, you may encounter higher homeowners premiums or limited insurer availability. Flood coverage requires a separate NFIP or private flood policy and isn't included in a standard home and auto bundle, so your total insurance costs may be higher than the bundled rates shown on this page. All providers in my analysis are actively writing policies in Maryland. The best homeowners insurance in Maryland includes carriers that write policies across Maryland's coastal and inland ZIP codes where bundle options vary most.

How to Get Cheap Home and Auto Insurance Bundle in Maryland

Maryland homeowners deal with two primary cost drivers that push bundled premiums above national averages. Hurricane and storm surge exposure along the Eastern Shore and Atlantic coast elevates home insurance premiums in coastal ZIP codes, while high property values in DC suburban counties including Montgomery and Howard County drive rebuilding costs and therefore home insurance rates well above the national mean.

  1. 1

    Choose a Higher Deductible

    A home deductible increase from $500 to $1,000 can shave a noticeable amount off your annual premium, and that strategy works especially well in Maryland, where high property values already push base rates up. Auto deductibles work the same way: raise your comprehensive and collision deductibles, and your annual premium drops, though you'll owe more out of pocket if you ever file a claim. Confirm you have enough cash reserves to cover that higher deductible before you make the switch.

  2. 2

    Try a Telematics Auto Program

    Telematics programs monitor speed, hard braking and mileage to reward safe driving with a lower auto premium. Maryland policyholders can use Nationwide's SmartRide to unlock sizable discounts at renewal, or try Progressive's Snapshot instead. Stack either program's savings on top of your bundle discount, and you've got one of the most effective ways to cut your total bundled costs.

  3. 3

    Guard Your Home Against Wind, Storm, and Flood Risk

    Coastal communities along Maryland's Atlantic coast and Chesapeake Bay shoreline pay more for home insurance largely because of hurricane and storm surge exposure, and that ripples into higher total bundle costs. Several Maryland providers reward storm-resistant roofing, reinforced windows and wind mitigation improvements with home insurance discounts.

    Keep in mind that flood insurance never comes bundled into a standard home and auto policy, so a separate NFIP or private flood policy is worth budgeting for if you're in a flood-prone area, since your total costs could end up above what's shown here.

  4. 4

    Compare Quotes When Your Policy Renews

    Maryland's bundled premiums vary by a wide margin: $3,029 a year at State Farm versus $7,438 at Travelers for the same coverage profile, a $4,409 difference. Renewal season is worth spending a little time on, since comparing bundled quotes usually takes less effort than homeowners assume and can pay off well. Just moving from Maryland's third-ranked provider to its first-ranked one could put more than $1,243 a year back in a policyholder's pocket.

Compare Insurance Rates

Make sure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

Home and Auto Insurance Bundle in Maryland: FAQ

MoneyGeek analyzed 640 quotes across eight Maryland ZIP codes to build the rankings on this page. Data sources include Quadrant Information Services; AM Best, J.D. Power, and the Maryland Insurance Administration. 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. Maryland 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. Maryland baseline: homeowner aged 41 to 60, good credit, 2,500-sq-ft home built in 2000, $250,000 dwelling, $125,000 personal property, $200,000 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 Maryland-specific risks: hurricane, coastal wind, storm surge, and flood coverage.

To learn more about our scoring process, see our auto insurance methodology.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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