Farmers earns the highest MoneyGeek score of 4.8/5 for home and auto insurance bundle in Massachusetts, with an annual bundled premium of $2,457. MoneyGeek analyzed 1,050 quotes across 15 Massachusetts ZIP codes, weighing affordability, customer satisfaction and coverage quality in its rankings. Farmers also carries the highest bundle discount in the state at 17%, saving policyholders $508 annually, making it the strongest all-around choice. Massachusetts's top bundle providers rank competitively against the best home and auto insurance bundles nationally, with Farmers' 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 Massachusetts
Updated: August 5, 2026
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Key Takeaways
Farmers earns the top MoneyGeek score of 4.8 out of 5 for home and auto bundles in Massachusetts, with an annual bundled premium of $2,457, the lowest among the top-ranked providers.
Farmers also offers the highest bundle discount in Massachusetts at 17%, saving policyholders $508 per year compared to buying separate policies.
A bigger discount does not guarantee the lowest total bill in Massachusetts. Travelers offers a 13% discount but carries an annual bundled premium of $7,022, nearly three times Farmers' rate of $2,457.
Best Home and Auto Insurance Bundle in Massachusetts
| Farmers | 4.81 | $2,457 | 17% |
| Amica | 4.81 | $3,383 | 14% |
| Safety Insurance | 4.65 | $2,486 | 14% |
| Allstate | 4.59 | $4,378 | 16% |
| Travelers | 4.4 | $7,022 | 13% |
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 Massachusetts
Farmers, Amica and Safety hold the top three spots for home and auto bundles in Massachusetts. At $2,457 a year, Farmers has the lowest bundled premium in the state, and its 17% discount is the biggest too. Customer satisfaction and coverage depth are Amica's strengths, which appeals to Massachusetts homeowners who prioritize claims service.
A regional specialist in Massachusetts coastal and nor'easter risk, Safety has competitive rates for homeowners along the South Shore and Cape Cod. Regional carriers like Safety can compete well against national names in Massachusetts, largely because the state's historically regulated auto market and elevated home rebuilding costs, themselves driven by high labor and material costs, affect how insurers structure bundle discounts.
Farmers
MoneyGeek Rating
4.8/ 5
5/5Affordability
3.7/5Customer Experience
4.4/5Coverage
Annual Bundle Premium
$2,457Monthly Bundle Premium
$205Bundle Savings
17%
Amica
MoneyGeek Rating
4.8/ 5
4.4/5Affordability
4.7/5Customer Experience
3.5/5Coverage
Annual Bundle Premium
$3,383Monthly Bundle Premium
$282Bundle Savings
14%
Safety Insurance
MoneyGeek Rating
4.7/ 5
5/5Affordability
3.1/5Customer Experience
4/5Coverage
Annual Bundle Premium
$2,486Monthly Bundle Premium
$207Bundle Savings
14%
Cheapest Home and Auto Bundle in Massachusetts
Farmers offers the cheapest home and auto bundle in Massachusetts at $2,457 per year, followed closely by Safety Insurance at $2,486. Travelers carries the largest dollar savings at $1,046 per year from its 13% discount, but its total annual bundled premium of $7,022 is nearly three times Farmers' rate, a clear example of why a large discount doesn't guarantee the lowest total bill. Massachusetts's standalone auto rates are part of what determines total bundle costs, and the average car insurance rates in Massachusetts show how the state's regulated auto market shapes the auto component of every bundle.
| Farmers | $2,457 | 50,849% |
| Safety Insurance | $2,486 | 39,507% |
| Amica | $3,383 | 55,026% |
| Allstate | $4,378 | 86,486% |
| Travelers | $7,022 | 104,550% |
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 Massachusetts
Farmers offers the highest bundle discount in Massachusetts at 17%, saving policyholders $508 per year. Allstate follows with a 16% discount producing $865 in annual savings, the second-largest dollar figure in the state. But Allstate's total annual bundled premium of $4,378 is $1,921 more than Farmers' $2,457, showing that a higher discount percentage doesn't produce a lower total bill when the base premium is substantially higher.
| Farmers | 17% | $508 | $2,457 |
| Allstate | 16% | $865 | $4,378 |
| Amica | 14% | $550 | $3,383 |
| Safety Insurance | 14% | $395 | $2,486 |
| Travelers | 13% | $1,046 | $7,022 |
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 MASSACHUSETTS
Coastal Massachusetts properties, particularly those on Cape Cod, the Islands and South Shore communities, can encounter insurer restrictions tied to hurricane and nor'easter exposure, which limits the number of carriers willing to write home coverage in those areas. The Massachusetts FAIR Plan, the state's insurer of last resort, can't be bundled with auto insurance, so homeowners relying on the FAIR Plan need to purchase auto coverage separately. Massachusetts's historically regulated auto market has also shaped how bundle discounts are structured compared to other states, which is why discount percentages here tend to be more compressed. All providers in MoneyGeek's analysis are actively writing both home and auto policies in Massachusetts. The best homeowners insurance in Massachusetts includes carriers that write policies across the state's coastal and inland ZIP codes where bundle options vary most.
How to Get Cheap Home and Auto Insurance Bundle in Massachusetts
Massachusetts homeowners pay more for two primary reasons: coastal nor'easter and hurricane exposure pushes home premiums higher for shoreline communities, and the state's high cost of living drives rebuilding costs and therefore home insurance premiums well above the national average.
- 1Choose a Higher Deductible
A $500-to-$1,000 jump in your home insurance deductible can bring your annual premium down noticeably, and the same principle applies to your auto comprehensive and collision deductibles too. Confirm you have sufficient cash reserves to cover the higher out-of-pocket cost before you switch, in case you need to file a claim.
- 2Try a Telematics Auto Program
Telematics programs monitor your speed, braking habits and mileage, rewarding safe driving with lower auto rates. Both Farmers' Signal program and Progressive's Snapshot are available in Massachusetts, and stacking either one's savings on top of your bundle discount can add up to a sizable combined reduction.
- 3Fortify Your Home Against Nor'easters and Coastal Storms
Coastal communities on Cape Cod, the South Shore and the Islands pay some of Massachusetts's highest home premiums, largely due to nor'easter and hurricane exposure. Many carriers reward storm-resistant roofing, reinforced windows and doors and coastal wind mitigation improvements with home insurance discounts. Since these credits stack with your bundle savings at renewal, home hardening ranks among the highest-return investments a Massachusetts homeowner can make.
- 4Compare Quotes When Your Policy Renews
Bundled premiums in Massachusetts range widely: $2,457 a year at Farmers versus $7,022 at Travelers, a $4,565 gap. Renewal time is worth a closer look, since comparing bundled quotes usually takes less effort than homeowners expect, and the payoff can last.
Home and Auto Insurance Bundle in Massachusetts: FAQ
Yes. Coastal geography has a direct impact on home insurance premiums in Massachusetts, which raises the total cost of a bundle. Properties on Cape Cod, the South Shore and the Islands pay elevated risk costs from nor'easters and hurricanes, which some insurers price into their home policies or use as grounds to restrict coverage. MoneyGeek's Massachusetts analysis found that annual bundled premiums ranged from $2,457 to $7,022 depending on the provider, with home insurance being the primary driver of that spread. The best homeowners insurance in Massachusetts breaks down how those costs vary by ZIP code and carrier across the state's most and least exposed coastal communities.
For coastal Massachusetts homeowners, Safety stands as the strongest choice, given its regional carrier status and deep underwriting expertise in New England coastal and nor'easter risks. Farmers deserves a look too, given its top ranking and the lowest annual bundled premium in the state at $2,457. Since availability and pricing shift by ZIP code in high-risk coastal areas, comparing quotes from both carriers is worth the time.
Most Massachusetts homeowners come out ahead financially by bundling home and auto insurance. MoneyGeek's analysis found bundle savings ranging from $395 to $1,046 a year, depending on the provider. Billing and claims consolidate with a single insurer too, which simplifies policy management. One exception: homes insured through the Massachusetts FAIR Plan can't be bundled with auto insurance. Massachusetts holds its own well against most northeastern states on bundle savings, and the best home and auto insurance bundles nationally confirm that the state's top carriers do well on both discount size and total premium.
No. The Massachusetts FAIR Plan is the state's insurer of last resort for homeowners who can't get coverage in the standard market, and it doesn't offer auto insurance. Homeowners insured through the FAIR Plan must purchase auto insurance separately from a standard carrier. If you're currently on the FAIR Plan, it's worth periodically checking whether you qualify for standard market coverage, which would allow you to bundle and access multi-policy discounts.
The most reliable way is to get separate quotes for home and auto from the same carrier and compare the combined total to the bundled price. The difference is your true bundle savings. MoneyGeek's Massachusetts data shows bundle savings ranging from $395 to $1,046 per year, but the only way to confirm your specific savings is to compare. The best home and auto insurance bundles guide covers how to evaluate bundled offers across carriers and coverage levels.
A bundle discount is the percentage reduction applied to your premiums when you combine home and auto with the same carrier. Farmers offers a 17% discount in Massachusetts. Actual bundle savings is the dollar amount you save compared to buying separate policies, which in Farmers' case is $508 per year. A higher discount percentage doesn't always produce higher dollar savings. Travelers' 13% discount produces $1,046 in annual savings because its base premiums are much higher, while Farmers' 17% discount produces $508 in savings on a lower base premium.
MoneyGeek analyzed 1,050 quotes across 15 Massachusetts ZIP codes to identify the best home and auto bundle providers in the state. Data sources include Quadrant Information Services for rate data, AM Best for financial strength ratings, J.D. Power for customer satisfaction scores, and the Massachusetts Division of Insurance for market data.
Note that figures represent averages and actual rates vary by ZIP code, claims history, and individual policyholder profile.
Auto Score Breakdown
Affordability (60%): Rate quotes for multiple driver profiles. Massachusetts baseline: 40-year-old, good credit, clean driving record, 2021 Toyota Camry, 50/100 full coverage, $1,000 deductible.
Customer experience (30%): Google reviews, J.D. Power ratings, and AM Best scores organized by state.
Coverage options (10%): Range of coverage types and policy features available for each provider.
Home Score Breakdown
Affordability (55%): Rates compared for identical coverage; discount availability evaluated. Massachusetts 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, and app feedback for claims handling.
Coverage options (15%): Add-on availability with attention to Massachusetts-specific risks including nor'easter, hurricane, coastal wind, storm surge, and winter storm coverage.
For more detail, see our full auto insurance methodology.
About Mark Fitzpatrick
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.