State Farm is the best home and auto bundle insurer in Maryland, earning 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, ranking providers on a weighted combination of affordability, customer satisfaction and coverage quality. State Farm also leads the state on bundle discount at 23%, saving policyholders $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.
Best Home and Auto Insurance Bundle in Maryland
Updated: May 5, 2026
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Key Takeaways
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.
State Farm also offers the highest bundle discount in Maryland at 23%, translating to $923 in annual savings compared to buying policies separately.
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.
Best Home and Auto Insurance Bundle in Maryland
| State Farm | 4.81 | $3,029 | 23% |
| Farmers | 4.72 | $4,604 | 17% |
| Nationwide | 4.65 | $4,272 | 19% |
| Allstate | 4.51 | $5,875 | 17% |
| Travelers | 4.43 | $7,438 | 17% |
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
The three top-ranked home and auto bundle providers in Maryland are State Farm, Farmers and Nationwide. State Farm leads on both price and discount, offering the lowest annual bundled rate at $3,029 and the highest bundle discount at 23%. Farmers ranks second on the composite score, earning the strongest coverage scores of the three, well-suited for Maryland homeowners who want broader protection. Nationwide ranks third, offering a competitive 19% discount and solid customer satisfaction scores, a strong choice in a state where coastal hurricane and storm surge exposure along the Chesapeake Bay and Atlantic shoreline makes insurer stability and claims responsiveness especially important.
State Farm
MoneyGeek Rating
4.8/ 5
5/5Affordability
3.9/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$3,029Monthly Bundle Premium
$252Bundle Savings
23%
Farmers
MoneyGeek Rating
4.7/ 5
4/5Affordability
3.7/5Customer Experience
4.4/5Coverage
Annual Bundle Premium
$4,604Monthly Bundle Premium
$384Bundle Savings
17%
Nationwide
MoneyGeek Rating
4.7/ 5
4.2/5Affordability
3.7/5Customer Experience
3.5/5Coverage
Annual Bundle Premium
$4,272Monthly Bundle Premium
$356Bundle Savings
19%
Cheapest Home and Auto Bundle in Maryland
State Farm offers the cheapest home and auto bundle in Maryland at $3,029 per year, the lowest annual rate among all providers in my analysis. State Farm also carries the highest bundle discount at 23%, saving policyholders $923 annually. Travelers offers a 17% discount worth $1,489 in annual savings, yet its total bundled premium of $7,438 per year is more than double State Farm's rate, showing that a larger dollar savings figure doesn't mean a lower total bill. Maryland's standalone auto rates are a key driver of total bundle costs, and the average cost of car insurance in Maryland shows how the auto component varies 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 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 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.
FINDING HOME AND AUTO BUNDLE INSURANCE IN MARYLAND
Maryland's Chesapeake Bay shoreline and Atlantic coastal communities have elevated insurer scrutiny tied 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
Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can meaningfully lower your annual home premium, a particularly effective strategy in Maryland where high property values already push base rates up. The same logic applies to your auto comprehensive and collision deductibles: a higher deductible lowers your annual premium in exchange for greater out-of-pocket cost after a claim. Before making this switch, confirm you have sufficient cash reserves to cover the higher deductible if you need to file a claim.
- 2
Try a Telematics Auto Program
Telematics programs track driving behaviors such as speed, hard braking, and mileage, and can lower your auto premium based on demonstrated safe driving. Nationwide's SmartRide program, available to Maryland policyholders, monitors driving habits and can produce meaningful discounts at renewal. Progressive's Snapshot is another option for Maryland drivers. These telematics savings stack on top of your existing bundle discount, making them one of the most effective ways to reduce total bundled costs.
- 3
Protect Your Home Against Wind, Storm, and Flood Risk
Hurricane and storm surge exposure along Maryland's Atlantic coast and Chesapeake Bay shoreline is the primary driver of elevated home premiums in coastal communities, which raises total bundle costs for affected policyholders. Storm-resistant roofing, reinforced windows, and wind mitigation improvements can qualify for home insurance discounts with several Maryland providers. Flood insurance requires a separate NFIP or private flood policy and is not included in a standard home and auto bundle, so your total insurance costs may exceed the bundled rates shown on this page if you live in a flood-prone area.
- 4
Compare Quotes When Your Policy Renews
The annual bundled premium spread among Maryland providers is substantial: State Farm's rate of $3,029 per year is $4,409 less than Travelers' $7,438 for the same coverage profile. Comparing bundled quotes at renewal takes less time than most homeowners expect and can produce real savings. Even switching from the third-ranked to the first-ranked provider in Maryland would save a policyholder over $1,243 per year.
Home and Auto Insurance Bundle in Maryland: FAQ
Here are answers to the questions Maryland residents ask most about bundling home and auto insurance.
Does Maryland's coastal geography affect home and auto bundle rates?
Yes. Maryland's Chesapeake Bay shoreline and Atlantic coastal communities have elevated hurricane and storm surge risk that insurers price into home premiums, pushing bundled rates higher for policyholders in affected ZIP codes. MoneyGeek's Maryland analysis found that bundled annual premiums range from $3,029 to $7,438 depending on the provider, with home affordability scores varying meaningfully across insurers. Flood damage requires a separate policy and is not covered under a standard home and auto bundle, so coastal homeowners should budget for additional flood insurance costs beyond the rates shown in our rankings.
Should I bundle home and auto insurance in Maryland?
Yes. Bundling home and auto insurance in Maryland is worth it for most policyholders, with discounts ranging from 17% to 23% and annual savings of $923 to $1,489 depending on the provider. State Farm offers the best combination of discount and total price in Maryland, with a 23% bundle discount and the lowest annual bundled rate of $3,029. Maryland's bundle savings are strong relative to most mid-Atlantic states, and the best home and auto insurance bundles nationally show that Maryland's top carriers compete well on both discount size and total premium.
Which company has the best bundle in Maryland for homeowners who want more coverage?
Farmers is the best home and auto bundle option in Maryland for homeowners who prioritize coverage breadth, earning the highest bundled coverage score of 4.4/5 among the top three providers. Its auto coverage score of 4.8/5 is the strongest of any provider in the top five. Its annual bundled premium of $4,604 reflects a 17% discount saving $948 per year. The Farmers auto insurance review covers how the carrier's coverage add-ons and claims process perform in Maryland's coastal and high-value suburban markets.
How do I know if my bundle discount is actually saving me money?
The only reliable way to confirm your bundle is saving you money is to compare the bundled total against separate standalone quotes for home and auto from the same insurer and from competitors. Maryland data shows why this matters. Travelers offers a 17% discount worth $1,489 in annual savings, yet its total bundled premium of $7,438 is still $4,409 more per year than State Farm's $3,029. A large dollar savings figure can coexist with a high total premium if the base rates are elevated. Comparing quotes at renewal using the same coverage limits is the most effective check.
Can I still get a bundle discount in Maryland if I have a prior claim?
Yes. Most insurers in Maryland continue to offer bundle discounts to policyholders with prior claims, though a claims history may affect your base premium and therefore your total bundled cost. The bundle discount percentage is tied to the multi-policy relationship rather than your claims record, but your individual rate will reflect your risk profile. If a prior claim has raised your rates with your current insurer, comparing bundled quotes from other providers, including State Farm, Nationwide and Farmers, may reveal more competitive total premiums even after your claims history is factored in.
MoneyGeek analyzed 640 quotes across 8 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, $250K dwelling, $125K personal property, $200K 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, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.