Best and Cheapest Home and Auto Bundle Companies in Maryland (2024)

The top-rated providers of auto and home insurance bundling in Maryland balance affordability with quality service and a notable discount.

MoneyGeek’s research shows that the top companies for bundling insurance in Maryland are:

• Allstate: MoneyGeek score of 85 out of 100
• State Farm: MoneyGeek score of 85 out of 100

Allstate offers the cheapest auto and home bundling premium in Maryland. It also received a perfect score for its discount. Although State Farm ranked the second-best overall, it is one of the most expensive. Both Allstate and State Farm had great scores for home and auto satisfaction.

USAA offers the best auto and home insurance bundle in Maryland, scoring the highest on MoneyGeek’s ranking system with 92 out of 100. We, however, excluded the insurer from our study since its policies are exclusive to individuals with a military background.

If you qualify, getting a home and auto insurance bundle through USAA in Maryland is a great choice.

The average bundling discount in Maryland is $432 or 11%. Typically, buyers pay an average of $3,802 per year for a separate car and home insurance policy and around $3,370 if they bundle the two.

From MoneyGeek’s research, the insurer with the highest discount is Allstate, around 21%, whereas Metropolitan has the lowest at roughly 8%.

Although you may be tempted to choose an insurer with the highest discount, this doesn’t necessarily translate to a lower premium. However, in Maryland, Allstate offers the highest discount and is the cheapest provider overall.

The average cheapest home and auto bundle insurance in Maryland, without considering a discount, comes from:

• Allstate: $2,473 per year
• Travelers: $3,136 per year

USAA is the second cheapest in the state at around $2,746 per year, although we did not include it since its policies are only available to military members.

Although bundling your auto and home policies in Maryland allows you to manage them together, you may come across non-bundling combinations from two different insurers that are more affordable.

According to MoneyGeek’s findings, the cheapest paired auto and home insurance policies in Maryland come from Allstate and Metropolitan. The average annual combined cost for these policies is $3,005. This total comprises auto insurance costing around $1,661 from Allstate and a home insurance policy costing roughly $1,344 from Metropolitan.

Although this amount is higher than the cheapest bundled insurance in Maryland through Allstate (around $2,473 annually), actual rates may differ significantly based on your situation.

Although having a bundled auto and home insurance policy in Maryland is recommended, you may encounter situations in which separate policies feature lower premiums. You can determine the right choice for your needs by comparing multipolicy and non-bundling rates across different providers.