AAA leads Michigan's home and auto bundle market with a MoneyGeek score of 95 out of 100 and the lowest annual premium at $2,435. State Farm offers the biggest bundle discount at 22%. MoneyGeek's rankings weigh affordability, customer satisfaction and coverage quality, with extra emphasis on savings. Michigan has one of the more expensive insurance markets in the country.
Best Cheap Home and Auto Bundle Insurance in Michigan
Updated: April 3, 2026
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Key Takeaways
AAA earns the highest MoneyGeek score for home and auto bundles in Michigan, 95 out of 100. Read more.
State Farm offers Michigan's biggest bundling discount at 22%, saving policyholders $1,350 per year. Read more.
AAA offers Michigan's most affordable home and auto bundle at $2,435 per year. Read more.
Best Home and Auto Bundle Insurance in Michigan
| Best Overall | AAA | $2,435 | 4.8 |
| Runner-Up | State Farm | $4,826 | 4.8 |
| Cheapest Bundle | AAA | $2,435 | 4.8 |
| Biggest Discount | State Farm | $4,826 | 4.8 |
Best Home and Auto Bundle Companies in Michigan
AAA and State Farm tie for Michigan's top home and auto bundle ranking, each earning a MoneyGeek score of 95 out of 100. AAA includes member benefits and 24/7 roadside assistance that go beyond standard insurance coverage. State Farm offers competitive bundling discounts and one of the largest agent networks in Michigan, giving residents more options for local service.
AAA: Best Overall in Michigan
pros
Membership includes 24/7 roadside assistance and travel discounts on top of comprehensive insurance coverage
Leads Michigan's bundle rankings with a 95 out of 100 MoneyGeek score
Policyholders save $377 per year by bundling home and auto at a 13% discount
Policy add-ons include identity theft protection and home-sharing rental coverage
cons
Ranks fifth out of six providers in MoneyGeek's analysis for home customer experience
Ranks fourth out of six for auto customer satisfaction
Membership required before policy purchase
COMPANY HIGHLIGHTS
AAA offers Michigan's top-rated home and auto bundle at $2,435 per year, earning a MoneyGeek score of 95 out of 100 (4.8 stars). Bundling saves policyholders $377 per year, a 13% discount over buying policies separately.
AAA's auto policies include its Drive telematics program, which monitors driving behavior and offers additional discounts on top of bundle savings. Those discounts can help offset Michigan's high no-fault auto insurance costs. Home policies cover winter storm and flooding damage, with extended replacement cost coverage that most Michigan insurers don't include as standard.
AAA members get roadside assistance built into their auto coverage, with 24/7 support for dead batteries, lockouts and more.
State Farm: Runner-Up Bundle in Michigan
pros
Drive Safe & Save program rewards Michigan drivers with additional discounts
MoneyGeek score of 95 out of 100, ranking second among Michigan's bundle providers
Policyholders save $1,350 per year by bundling home and auto at a 22% discount
Large agent network provides local support throughout Michigan
cons
Ranks fourth among six providers for home and auto affordability
Bundle discount of 22% trails some competitors
COMPANY HIGHLIGHTS
State Farm earns a MoneyGeek score of 95 out of 100 (4.8 stars), tying with AAA but ranking second overall among Michigan's home and auto bundle providers. At $4,826 per year, policyholders save $1,350 through a 22% bundle discount.
State Farm's Drive Safe & Save program uses telematics to track driving behavior and offers discounts up to 50% for safe driving, smooth braking and avoiding phone use, for example. Home policies include personal property replacement cost coverage and optional identity restoration services for recovery from identity theft. State Farm Fire and Casualty underwrites home coverage directly in Michigan.
State Farm's Personal Price Plan lets policyholders adjust coverage and deductibles online, and local agents handle claims and policy changes in person.
Cheapest Home and Auto Bundle in Michigan
AAA is Michigan's most affordable and highest-rated home and auto bundle option at $2,435 per year, with a MoneyGeek score of 95 out of 100. State Farm offers the largest bundle discount at 22%, saving policyholders $1,350 per year, but its bundled premium of $4,826 is nearly double AAA's rate. Bundle prices across the state vary. Farm Bureau charges $12,890 per year at the high end.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| AAA | $2,435 | $377 |
| Progressive | $3,778 | $193 |
| Farmers | $4,682 | $1,025 |
| State Farm | $4,826 | $1,350 |
| Allstate | $5,024 | $616 |
| Farm Bureau | $12,890 | $2,185 |
*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 Michigan
State Farm leads Michigan with the largest bundle discount at 22%, saving policyholders $1,350 per year. Farmers ranks second with an 18% discount worth $1,025 annually. The largest discount doesn't guarantee the lowest bill. State Farm's bundled premium of $4,826 is higher than most options in the state, while AAA offers the lowest overall rate at $2,435 per year.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| State Farm | 22% | $1,350 | $4,826 |
| Farmers | 18% | $1,025 | $4,682 |
| Farm Bureau | 15% | $2,185 | $12,890 |
| AAA | 13% | $377 | $2,435 |
| Allstate | 11% | $616 | $5,024 |
| Progressive | 5% | $193 | $3,778 |
*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 Michigan
Michigan homeowners can reduce bundle premiums by adjusting coverage levels and using available discounts. The state's no-fault auto insurance laws push bundle costs above the national average. Here are four strategies to lower what you pay:
Choose a higher deductible
Raising your home deductible from $500 to $1,000 or higher reduces your premium. You'll pay more out of pocket if you file a claim, so make sure you have enough cash reserves before making this change.
Try a telematics auto program
State Farm's Drive Safe & Save and Progressive's Snapshot track your driving and offer discounts up to 30% for safe drivers. Those savings stack on top of your bundle discount.
Add storm-resistant home features
Impact-resistant roofing, reinforced garage doors and storm shutters qualify for premium discounts in Michigan's severe weather climate. Those improvements stack with your bundle savings and protect against hail and wind damage.
Keep your credit score strong
Michigan insurers use credit-based insurance scoring for both home and auto policies. Good credit can lower your premiums at renewal; insurers treat higher credit scores as a sign of lower claim risk.
Home and Auto Bundle Insurance in Michigan: FAQ
Does Michigan's regional risks affect bundle insurance rates?
Yes. Severe winter storms and hail are the main drivers of elevated home insurance premiums in Michigan, which pushes up total bundle costs. Insurers assess Michigan properties for hail frequency zones, winter storm exposure and structural vulnerability to ice damage and heavy snow loads. Those higher home premiums raise the combined bundle price as well. Installing impact-resistant roofing and reinforcing gutters can help offset premium increases.
Which company has the best bundle in Michigan for homeowners who want more coverage?
AAA is Michigan's top bundle pick for homeowners who want broader coverage, earning a MoneyGeek score of 95 out of 100. It offers add-ons like equipment breakdown coverage and service line protection that most competitors don't include.
Should I bundle home and auto insurance in Michigan?
Yes. Every provider in MoneyGeek's Michigan analysis saves policyholders money through bundling. Combining policies also simplifies billing and renewals. Compare bundled rates against separate quotes before committing.
Best Cheap Home and Auto Bundle Insurance in Michigan: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the Department of Insurance and Financial Services, Quadrant Information Services, AM Best and J.D. Power. These premiums are averages; actual rates vary by ZIP code, claims history and individual profile.
- Score methodology: Factors in affordability, customer satisfaction ratings from AM Best and J.D. Power, and coverage quality
- Sample driver: 40-year-old with good credit, 2021 Toyota Camry, 50/100 full coverage with $1,000 deductible
- Sample home: $250,000 in dwelling coverage, $125,000 personal property, $200,000 liability
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.