State Farm leads Maryland's home and auto bundle market with a MoneyGeek score of 96 out of 100, the lowest annual premium at $3,029 and the biggest discount at 23%. MoneyGeek's scoring weighs affordability, customer satisfaction and coverage quality. Maryland ranks among the country's more expensive insurance markets, so savings carry extra weight in these bundle rankings.
Best Cheap Home and Auto Bundle Insurance in Maryland
Updated: April 3, 2026
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Key Takeaways
State Farm is the best home and auto bundle in Maryland with a MoneyGeek score of 96 out of 100. Read more.
State Farm offers Maryland's biggest bundling discount at 23%, saving policyholders $923 annually. Read more.
At $3,029 per year, State Farm has the most affordable home and auto bundle in Maryland. Read more.
Best Home and Auto Bundle Insurance in Maryland
| Best Overall | State Farm | $3,029 | 4.8 |
| Runner-Up | Farmers | $4,604 | 4.7 |
| Cheapest Bundle | State Farm | $3,029 | 4.8 |
| Biggest Discount | State Farm | $3,029 | 4.8 |
Best Home and Auto Bundle Companies in Maryland
Two providers stand out in Maryland's home and auto bundle market. State Farm scores 96 out of 100, backed by an extensive local agent network and high customer satisfaction ratings in J.D. Power studies. Farmers scores 94 out of 100 and includes bundle perks such as identity theft protection and new car replacement coverage. Both offer strong discounts for homeowners who want to combine their policies.
State Farm: Best Overall in Maryland
pros
Drive Safe & Save rewards Maryland drivers with additional discounts beyond standard bundle savings for safe driving
Top MoneyGeek score in Maryland at 96 out of 100
Bundling saves policyholders $923 per year, a 23% discount
Home coverage includes equipment breakdown protection and service line coverage, with local agents throughout Maryland for personalized service
cons
Auto coverage options rank fourth among five providers in MoneyGeek's analysis, trailing competitors on available policy features
Some specialized add-ons and higher coverage limits are more restricted
Digital claims filing and mobile app functionality don't match the breadth of features offered by some competitors
COMPANY HIGHLIGHTS
State Farm scores 96 out of 100 (4.8 out of five stars), ranking first among Maryland's home and auto bundle providers. At $3,029 per year, the bundle saves policyholders $923, a 23% discount compared to separate policies.
Maryland homeowners get personal property replacement cost coverage and extended dwelling protection, which address coastal storm risks and urban property values. The Drive Safe & Save telematics program can cut auto premiums by up to 30% for safe drivers. State Farm writes both home and auto policies directly in Maryland, which simplifies the claims process.
The mobile app lets policyholders manage both policies, file claims with photo uploads and access roadside assistance in one place. State Farm's agent network across Maryland provides local support for policy questions and claims.
Farmers: Runner-Up Bundle in Maryland
pros
Farmers offers usage-based insurance that rewards safe driving with additional discounts beyond standard bundle savings
MoneyGeek score of 94 out of 100, second among Maryland's bundle providers
Policyholders save $948 per year by bundling home and auto with Farmers
Top-ranked auto coverage options in Maryland cover multiple vehicle types and driving situations
cons
Auto customer satisfaction ranks last among the five providers in the analysis.
Farmers uses third-party administrators for some claims processing, which can add complexity to the claims experience.
Home insurance policies in Maryland are underwritten through Farmers affiliate companies rather than directly by Farmers Insurance Exchange.
Auto customer satisfaction ranks last among the five providers in MoneyGeek's analysis
Farmers uses third-party administrators for some claims processing, which can make the claims experience more complicated
Home insurance policies in Maryland are underwritten through affiliate companies, not directly by Farmers Insurance Exchange
COMPANY HIGHLIGHTS
At $4,604 per year, Farmers ranks second in Maryland's home and auto bundle market with a MoneyGeek score of 94 out of 100 (4.7 stars). Policyholders save $948 per year through a 17% bundle discount, two points behind State Farm.
Farmers' auto policies in Maryland include the Signal telematics program, which tracks driving habits and can add discounts beyond bundle savings for safe drivers. Home coverage includes green upgrade protection for eco-friendly improvements and identity theft resolution services. Auto coverage ranks first among Maryland providers, though customer satisfaction for auto policies trails competitors.
The Farmers mobile app lets policyholders manage both policies, file claims and access roadside assistance in one place.
Cheapest Home and Auto Bundle in Maryland
State Farm leads Maryland's home and auto bundle market with the lowest rate at $3,029 per year and the highest MoneyGeek score of 96 out of 100. Its 23% bundle discount saves policyholders $923 per year. Rates vary across providers. Travelers charges $7,438 per year for comparable coverage. Maryland residents can get both the most affordable and highest-rated bundle from a single provider.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| 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 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 Maryland
State Farm leads Maryland's bundle discount market with the largest discount at 23% and the lowest overall premium, saving policyholders $923 per year at a bundled rate of $3,029. Nationwide has the next best discount at 19%, saving policyholders $983 but with a higher premium of $4,272. Premiums across Maryland providers range from State Farm's $3,029 to Travelers' $7,438, so comparing quotes before committing pays off.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| State Farm | 23% | $923 | $3,029 |
| Nationwide | 19% | $983 | $4,272 |
| Farmers | 17% | $948 | $4,604 |
| Allstate | 17% | $1,190 | $5,875 |
| Travelers | 17% | $1,489 | $7,438 |
*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 Maryland
Maryland's insurance costs run higher than most states due to urban density and coastal risks, but homeowners can still find real savings. Adjusting coverage levels and stacking discounts are the most effective ways to lower bundle premiums.
Choose a higher deductible
Raising your home deductible from $500 to $1,000 or higher can lower your premium by a meaningful amount. You'll pay more out of pocket if you file a claim, so make sure you have enough savings before making this change.
Try a telematics auto program
State Farm's Drive Safe & Save and GEICO's DriveEasy track your driving habits through smartphone apps. Safe drivers can earn additional discounts on top of their bundle savings.
Add wind-resistant home features
Impact-resistant roofing, storm shutters and wind-resistant siding qualify for premium discounts in Maryland due to coastal storm exposure. These improvements add savings beyond your bundle discount.
Maintain a claims-free record
Maryland restricts credit-based auto insurance scoring, but insurers reward claims-free records with real discounts. Avoiding small claims helps keep both your home and auto premiums lower at renewal.
Home and Auto Bundle Insurance in Maryland: FAQ
Does Maryland's regional risks affect bundle insurance rates?
Yes, and the effect is real. Hurricane and coastal storm risk is the main factor behind higher home insurance premiums in Maryland, which pushes up bundle costs since home coverage makes up the larger portion of combined policies. Insurers weigh coastal proximity, wind zone ratings and flood exposure when pricing Maryland properties. Eastern Shore and Chesapeake Bay areas pay the highest rates due to storm surge vulnerability. Installing impact-resistant roofing and storm shutters can help offset premium increases in hurricane-prone areas.
Which company has the best bundle in Maryland for homeowners who want more coverage?
State Farm tops Maryland's homeowner insurance market with a MoneyGeek score of 96 out of 100. Its add-ons include equipment breakdown protection for appliances, service line coverage for utility repairs and disappearing deductibles that reward claim-free years. State Farm's agent network and coverage depth make it the top choice for homeowners who want more than standard protection.
Should I bundle home and auto insurance in Maryland?
Yes. Every provider in MoneyGeek's Maryland analysis saves policyholders money through bundling, and Maryland's higher-than-average insurance costs make those savings count more. Bundling also means one insurer, one renewal date and one point of contact. Always compare bundled rates against separate quotes before committing.
Best Cheap Home and Auto Bundle Insurance in Maryland: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the Maryland Insurance Administration, 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!