The Best Bundled Insurance in Michigan
The Best Home and Auto Bundles in Michigan
Michigan's best auto and home insurance bundles combine affordability and excellent service. MoneyGeek found the following companies offer the top two auto and home bundles in Michigan:
- Allstate: MoneyGeek score of 81 out of 100
- State Farm: MoneyGeek score of 80 out of 100
Allstate is the cheapest, widely available provider for auto and home insurance bundles in Michigan and ranks highest for discounts. Allstate ranked first for overall satisfaction for both home and auto insurance. State Farm scores similarly in overall satisfaction but is second to Allstate when it comes to discounts.

pros
Has the highest discount score
Scored 4 out of 5 for both home and auto insurance overall satisfaction
Offers new car replacement coverage
cons
Does not offer multiple car discount
Does not offer loyalty discount
COMPANY HIGHLIGHTS
If you are looking for the cheapest home and auto insurance bundle in Michigan, Allstate is the best option at an average cost of $7,809 per year. Bundling your home and auto insurance policies with Allstate saves you up to $1,472, or 16% less than what you would pay for individual policies. Apart from affordability, Allstate also offers the best bundle insurance in Michigan, with high home and auto insurance ratings.
Allstate car insurance includes unique coverage options, such as custom parts coverage. Drivers who opt for custom parts coverage get reimbursed if custom equipment like height-extending roofs, special carpeting or graphics get damaged. Allstate also offers optional coverage for your car's portable electronic and media devices, such as USB drives and tapes.
Allstate also rates highly for homeowners insurance satisfaction. Its policies include energy efficiency upgrade coverage, which ensures you get reimbursed if you replace damaged items in your home with more energy-efficient ones. Allstate also offers home rental coverage, which is helpful if you rent out part of your home and need additional protection for your belongings.

pros
Scored 4 out of 5 for both home and auto insurance overall satisfaction
Offers roadside assistance
Offers rental car and travel reimbursement
cons
Has limited optional coverages for car insurance
Does not offer pay-in-full discounts
COMPANY HIGHLIGHTS
State Farm is MoneyGeek’s runner-up for the best bundle insurance in Michigan. State Farm does not score as well as Allstate for discounts, but it scores highly for overall satisfaction. The average cost of a State Farm home and auto bundle is $8,411 per year, a discount of $888 or 10% less than the cost of buying the policies separately.
State Farm’s car insurance offers optional add-ons like roadside assistance, which covers you if your car breaks down and you need services like towing, mechanical labor, gas or battery delivery and tire changes. You can also opt for rental car or travel reimbursement coverage, which covers the travel expenses incurred while your vehicle is in the shop for repairs.
State Farm’s home insurance scores highly for overall satisfaction and offers comprehensive protection with coverages like earthquake and home systems protection. For those in earthquake-prone areas, State Farm will cover damages to your home in the event of an earthquake or volcanic eruption. You can also get coverage for permanently installed home systems like heating and cooling systems and air and water filtration systems.
The Best Home and Auto Bundles in Michigan for Military Backgrounds
USAA offers the best home and auto insurance bundle in Michigan, but this provider is only available to people with a military background. However, if you are eligible, USAA's rates for auto and home insurance bundles are the cheapest in Michigan. The company also ranks highest for home and auto insurance user satisfaction.

If you purchase USAA’s auto and home bundle, you will get a discounted rate of $2,775, which is 6% cheaper than what you would pay for the policies separately.
USAA car insurance offers optional coverages, such as accident forgiveness and rental car or travel reimbursement. If you opt to include accident forgiveness in your policy, USAA will not increase your premiums after your first at-fault accident, provided you remain accident-free for five years.
USAA home insurance policies offer earthquake protection. You can also add on home rental coverage if you rent out or share your home and want added protection for you and your guests.
The Best Home and Auto Bundle Discounts in Michigan
In Michigan, you can save an average of $766 if you bundle your home and auto insurance policies. This is a 7% discount on the standard rate of purchasing separate policies. Among providers in Michigan, Allstate offers the highest discount for a home and auto insurance bundle at an average of 16%. Farmers’ bundling discount of 2% is the lowest in the state.
If you are looking for the cheapest home and auto insurance bundle in Michigan, keep in mind that the highest discount doesn’t always mean the cheapest rates. For instance, Allstate has the second-cheapest rates in Michigan despite having the highest discount. In contrast, USAA (only available to military members) only has a 6% discount but has the cheapest rates overall.

The Cheapest Home and Auto Bundles in Michigan
MoneyGeek found that without factoring in discounts, the cheapest providers for home and auto insurance bundles in Michigan are:
- Allstate: $7,809 per year
- State Farm: $8,411 per year
USAA’s bundle policy is the cheapest overall at $2,775 per year, but only those with a military background are eligible.

Allstate is the cheapest, widely available provider for bundle insurance in Michigan at $7,809 per year. The company offers a 16% discount if you bundle your home and auto insurance policy for a savings of up to $1,472.
Allstate’s car insurance comes with multiple discount options, which can help you save even more on your premiums. For instance, you get a discount for early signing and paying in full. You also get discounts for a new vehicle, responsible payment, safe driving and for installing safety equipment like anti-lock brakes.
Additionally, Allstate’s home insurance comes with various discounts, including responsible payment, claims-free and new home discounts.
The Cheapest Non-Bundle Insurance Combinations in Michigan
It is possible to save on your home and auto insurance without bundling by pairing the cheapest auto insurance policy with the cheapest home insurance policy.
In Michigan, the cheapest combination is an Allstate auto policy ($5,800) and a State Farm home policy ($2,537) for a total premium of $8,337. However, this combination costs $529 more than the cheapest bundle from Allstate, which costs $7,808 per year.
Should You Bundle Home and Auto Insurance in Michigan?
Bundling home and auto insurance in Michigan can be convenient if you want to take advantage of discounts and save on premiums. However, bundling is not necessarily the best option in all situations.
Bundle discounts in Michigan can save you between 2% and 16% per year.
Bundling your home and auto policies in Michigan can save you between $531 and $1,472 on your premiums. Allstate offers the highest bundling discount at 16% on average, whereas Farmers offers the lowest at 2%.
Bundles are a convenient way to combine your most important property insurance policies.
Having a single provider for your home and auto insurance policies can save you time and money by making your policy cheaper and easier to manage. You can streamline your premium payments and take advantage of bundling discounts to get better rates.
In rare cases, it might be better not to bundle in Michigan.
Although MoneyGeek found that bundled policies are cheaper on average in Michigan, you may be able to find a cheaper non-bundled combination. Since premiums tend to vary based on your profile, you may get cheaper rates for a non-bundled combination based on your background.
About Mark Fitzpatrick
