Best New Hampshire Home and Auto Bundle Insurance Companies (2024)

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Updated: May 20, 2024

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Why trust MoneyGeek? New Hampshire bundle rates are supported by our analysis of quotes, and ratings for the best bundles are based on our proprietary scoring system that balances cost and discounts with service experience.

40Quotes Analyzed
5Companies Compared
1Zip Codes

The Best Home and Auto Bundles in New Hampshire

MoneyGeek ranked insurance bundles based on price, discounts and customer service. According to our research, the top two companies offering home and auto insurance bundles in New Hampshire are:

  • State Farm: MoneyGeek score of 84 out of 100
  • Nationwide: MoneyGeek score of 78 out of 100

State Farm received the highest ratings for home and auto satisfaction as well as discounts. The company is also the most affordable in the state for bundling home and auto insurance. Nationwide, the runner-up in New Hampshire, tied for first in both auto and home satisfaction and ranked second in discounts.

State Farm



Scored 4 out of 5 in auto and home insurance


Received a perfect discount score


Offers new vehicle discount


Offers earthquake coverage



Does not offer accident forgiveness


Does not offer pay-in-full discount for car insurance


State Farm is the best overall company for bundling auto and home insurance policies in New Hampshire, as well as the cheapest. When you bundle your insurance policies with State Farm, you can save as much as 20% or $340 annually on premiums.

Roadside assistance is an economical add-on coverage to State Farm's auto insurance. This coverage delivers help to drivers who run out of gas, get locked out, need a tow or have a dead battery. However, State Farm does not provide new car replacement, better car replacement or gap insurance.

State Farm is also a leader in the home insurance market. This insurer's homeowners' policies offer mold coverage of up to $20,000 and protection for the home's permanent equipment system, such as heating and cooling, in case of a mechanical or electrical breakdown. State Farm also offers policyholders optional earthquake coverage.

Read MoneyGeek's State Farm Auto Insurance Review



Scored 4 out of 5 in home and auto insurance


Offers total loss deductible waiver coverage and automatic payments discount for auto insurance


Offers better roof replacement coverage and continuously insured discount for home insurance



Does not offer pay-in-full discount or new car replacement coverage


Does not offer common home insurance add-on coverages


According to MoneyGeek, Nationwide provides the second-best bundle insurance in New Hampshire. The company is also the second-cheapest option at $1,549 per year.

Nationwide auto insurance’s total loss deductible waiver is an add-on that will cover your comprehensive or collision deductible if your car is a total loss after an accident. Its auto insurance also comes with identity theft protection, which covers damages up to $25,000 caused by fraud or identity theft against you or a family member. Automatic payment discounts are available to policyholders, which other insurers rarely provide.

Homeowners may benefit from Nationwide home insurance’s earthquake damage and better roof replacement coverage add-ons. Better roof replacement coverage pays to repair your roof with better and stronger materials after a covered loss.

Read MoneyGeek's Nationwide Auto Insurance Review

The Best Home and Auto Bundles in New Hampshire for Military Backgrounds

USAA policies are an excellent choice for military members and their families. The company's bundled premium in New Hampshire costs around $1,425 per year.

MoneyGeek Top Pick

USAA’s home insurance offers earthquake coverage. In addition, the company’s home rental coverage protects you whether you rent your entire home or just a portion. Homeowners who remain claims-free or install protective devices can also enjoy discounts.

You are eligible for a range of savings with USAA's auto insurance policies, including multiple car, safe driver and good student discounts. In addition, policyholders can opt for roadside assistance, rental car reimbursement and accident forgiveness coverage.

The Best Home and Auto Bundle Discounts in New Hampshire

In New Hampshire, the average annual savings for bundling home and car insurance is $234 or 13% of what it may cost to purchase the policies separately. State Farm offers the greatest savings, at 20%, according to MoneyGeek research, whereas Metropolitan provides the lowest, at 10%.

Sometimes, the provider offering the largest bundle discount is not necessarily the best or most cost-effective option in a state. However, in the case of New Hampshire, State Farm offers the steepest discount and the lowest rate.

Home and Auto Bundle Discount in New Hampshire

The Cheapest Home and Auto Bundles in New Hampshire

The following insurers offer the cheapest home and auto insurance bundles in New Hampshire, with discounts not taken into account:

  • State Farm: $1,375 per year
  • Nationwide: $1,549 per year

Keep in mind that the cheapest option may not be the best for your particular needs. We recommend our readers thoroughly weigh each company's benefits, drawbacks and features to get the most long-term savings.

MoneyGeek Top Pick
State Farm

State Farm is the most affordable and best option for combining car and home insurance in New Hampshire. At roughly $1,375 per year, its bundling premiums are 20% less than purchasing its home and auto insurance policies separately.

MoneyGeek recommends State Farm for auto insurance since, in addition to the bundling discount, it offers multiple car, good student and safe driver discounts. Furthermore, you can save money on State Farm home insurance by taking advantage of protective devices, new home, home renovation and claims-free discounts.

State FarmAnnual Premium$1,375
NationwideAnnual Premium$1,549
AllstateAnnual Premium$1,580
MetropolitanAnnual Premium$1,929

The Cheapest Non-Bundle Insurance Combinations in New Hampshire

Remember, it might not always be cheaper to bundle home and auto insurance from the same carrier. Sometimes, bundling insurance plans from different providers may result in greater savings if you choose the least costly auto and home insurance policies.

However, bundling is typically cheaper in New Hampshire. Purchasing State Farm auto insurance ($743) and Metropolitan home insurance ($759) creates the cheapest non-bundled combination at $1,502. This cost is still higher than State Farm's home and auto insurance bundle, which costs $1,375.

State FarmHome InsuranceMetropolitanAnnual Premium$1,502
State FarmHome InsuranceNationwideAnnual Premium$1,555
State FarmHome InsuranceAllstateAnnual Premium$1,690
AllstateHome InsuranceMetropolitanAnnual Premium$1,692
NationwideHome InsuranceMetropolitanAnnual Premium$1,699
AllstateHome InsuranceNationwideAnnual Premium$1,745
NationwideHome InsuranceAllstateAnnual Premium$1,887
AllstateHome InsuranceState FarmAnnual Premium$1,905

Should You Bundle Home and Auto Insurance in New Hampshire?

Bundling your home and auto insurance policies in New Hampshire can be convenient and qualify you for a discount. However, keep in mind that not everyone may find bundling to be the most cost-effective option.

    discount icon

    Bundle discounts in New Hampshire can save you between 7% and 20% per year.

    State Farm offers the highest discount rate, allowing customers to save 20% by bundling their home and auto insurance plans. In New Hampshire, this results in annual savings of up to $340.

    homeInsurance icon

    Bundles are a convenient way to combine your most important property insurance policies.

    If you live in New Hampshire, you can save money by combining your auto and home insurance policies into one bundle. Bundling can also be convenient, as you only deal with one company.

    uninsured icon

    In rare cases, it might be better not to bundle in New Hampshire.

    Each insurer computes prices differently, so depending on your individual needs and profile, you may be able to find non-bundled insurance combinations that are cheaper than bundled options.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.