State Farm is the best home and auto bundle insurer in New Hampshire, earning a MoneyGeek score of 4.73 out of 5 and an annual bundled premium of $2,285. I analyzed 400 quotes across five New Hampshire ZIP codes, ranking carriers on a weighted blend of affordability, customer satisfaction and coverage quality. State Farm also leads in bundle savings, offering a 23% discount that translates to $669 in annual savings, the highest dollar amount among all carriers analyzed.
Best Home and Auto Insurance Bundle in New Hampshire
Updated: May 5, 2026
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Key Takeaways
State Farm is the best home and auto bundle insurer in New Hampshire with a MoneyGeek score of 4.73 out of 5 and the cheapest annual bundle premium of $2,285.
State Farm also offers the highest bundle discount in New Hampshire at 23%, saving policyholders $669 per year compared to buying policies separately.
A bigger discount does not guarantee the lowest total bill. Safety Insurance has a 14% bundle discount, far less than State Farm's 23%, yet its annual bundled premium of $1,708 is $577 less than State Farm's $2,285, making it the cheapest bundled option in New Hampshire.
Best Home and Auto Insurance Bundle in New Hampshire
| State Farm | 4.73 | $2,285 | 23% |
| Allstate | 4.69 | $2,132 | 19% |
| MMG Insurance | 4.66 | $2,002 | 14% |
| Safety Insurance | 4.65 | $1,708 | 14% |
| Farmers | 4.59 | $2,953 | 17% |
To learn more about how MoneyGeek ranks the top home and auto insurance bundles, see the methodology.
Top 3 Home and Auto Bundle Companies in New Hampshire
The top three home and auto bundle providers in New Hampshire are State Farm, Allstate and MMG. State Farm leads on both composite score and bundle savings, delivering the highest discount in the state at 23% and $669 in annual savings. Allstate offers strong coverage scores and a competitive 19% discount with a lower total premium of $2,132.
MMG, a regional carrier active across northern New England, performs well for customer satisfaction and offers the second-lowest bundle premium at $2,002, a good fit for rural northern New Hampshire communities where national carriers have limited presence. New Hampshire's small homeowners insurance market, Seacoast storm and wind exposure and sparse rural northern communities mean fewer carriers compete aggressively for bundle business.
State Farm
MoneyGeek Rating
4.7/ 5
3.7/5Affordability
3.9/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$2,285Monthly Bundle Premium
$190Bundle Savings
23%
Allstate
MoneyGeek Rating
4.7/ 5
4.1/5Affordability
3.5/5Customer Experience
3.8/5Coverage
Annual Bundle Premium
$2,132Monthly Bundle Premium
$178Bundle Savings
19%
MMG Insurance
MoneyGeek Rating
4.7/ 5
4.3/5Affordability
3.5/5Customer Experience
2.6/5Coverage
Annual Bundle Premium
$2,002Monthly Bundle Premium
$167Bundle Savings
14%
Cheapest Home and Auto Bundle in New Hampshire
Safety Insurance offers the cheapest home and auto bundle in New Hampshire at $1,708 per year, which is $294 less than MMG's $2,002 and $577 less than top-ranked State Farm's $2,285. While State Farm offers the largest bundle discount at 23% ($669 in savings), its total bundled premium of $2,285 is still $577 more than Safety's $1,708. This illustrates an important distinction for New Hampshire shoppers: a higher discount percentage does not guarantee the lowest total bill. Safety Insurance's 14% discount saves $272 per year, less than State Farm's savings, but its lower starting price makes it the most affordable bundled option in the state.
| Safety Insurance | $1,708 | $272 |
| MMG Insurance | $2,002 | $333 |
| Allstate | $2,132 | $515 |
| State Farm | $2,285 | $669 |
| Nationwide | $2,565 | $587 |
| Farmers | $2,953 | $608 |
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 New Hampshire
State Farm offers the highest bundle discount in New Hampshire at 23%, which also produces the greatest dollar savings at $669 per year. Shoppers should not assume the highest discount rate produces the lowest bill: State Farm's bundled annual premium of $2,285 is still $577 more than Safety's $1,708, even though Safety's discount is only 14%.
| State Farm | 23% | $669 | $2,285 |
| Allstate | 19% | $515 | $2,132 |
| Nationwide | 19% | $587 | $2,565 |
| Farmers | 17% | $608 | $2,953 |
| MMG Insurance | 14% | $333 | $2,002 |
| Safety Insurance | 14% | $272 | $1,708 |
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 INSURANCE BUNDLE IN NEW HAMPSHIRE
New Hampshire's homeowners insurance market is among the smallest in New England, with fewer national carriers actively competing for business compared to larger states. Seacoast communities (including Portsmouth, Hampton and Rye) have elevated wind and storm surge risk from nor'easters, which can limit coverage options or trigger coastal exclusions. In rural northern areas such as Coos and Grafton counties, some national carriers have limited local presence, making regional providers like MMG valuable. All carriers in MoneyGeek's New Hampshire analysis are actively writing new policies in the state as of our latest data collection.
How to Get Cheap Home and Auto Bundle Insurance in New Hampshire
New Hampshire homeowners pay above-average home insurance costs driven by nor'easter and winter storm exposure, including ice dams, heavy snow loads and coastal wind along the Seacoast. High property values in the Lakes Region and Seacoast push rebuilding costs well above national averages, which directly raises dwelling coverage premiums.
- 1Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can lower your annual home premium. The same logic applies to your auto comprehensive and collision deductibles. Before switching, make sure you have sufficient cash reserves to cover the higher out-of-pocket cost after a claim. The premium savings compound each year you go claim-free, making this one of the most straightforward ways to reduce your bundled total.
- 2Try a Telematics Auto Program
Telematics programs track your speed, braking habits and mileage to reward safe drivers with lower auto rates. Progressive's Snapshot program and Nationwide's SmartRide program are both available in New Hampshire and can reduce auto premiums for low-mileage or safe drivers. These savings stack directly on top of your existing bundle discount.
- 3Winterize and Protect Against Nor'easters
Nor'easter and winter storm exposure is the primary driver of elevated home insurance premiums in New Hampshire. Ice dams, heavy snow loads, frozen pipes and coastal wind damage along the Seacoast are the most common claim triggers in the state. Proactive improvements, such as pipe insulation, reinforced roofing, storm windows and general winter weatherproofing, can qualify you for home insurance discounts at renewal. State Farm and Allstate both offer protective device and home improvement credits that apply to bundled policies. These credits stack with your multi-policy bundle discount, compounding your total savings at each renewal.
- 4Compare Quotes When Your Policy Renews
The spread between the cheapest and most expensive bundled provider in New Hampshire is $1,245 per year: from Safety's $1,708 to Farmers' $2,953. Comparing bundled quotes at renewal takes less time than most homeowners expect and can produce real, recurring savings. Even switching from the third-ranked to the cheapest option saves over $290 per year. Set a calendar reminder to shop your bundle 30 to 45 days before your renewal date.
Home and Auto Insurance Bundle in New Hampshire: FAQ
Does New Hampshire's winter climate and coastal exposure affect home and auto bundle rates?
Yes. New Hampshire's nor'easter risk and Seacoast wind exposure directly raise home insurance premiums, which in turn increases the total cost of a bundled policy. MoneyGeek's analysis found that annual bundle premiums in New Hampshire range from $1,708 to $2,953, a spread that reflects how carriers price storm and winter weather risk differently. Shoppers in coastal ZIP codes may also find that some carriers apply additional wind exclusions or deductibles that are not reflected in statewide average rates.
Should I bundle home and auto insurance in New Hampshire?
Bundling home and auto insurance in New Hampshire is almost always worth it. Every carrier in MoneyGeek's analysis offers a discount ranging from 14% to 23%, saving policyholders between $272 and $669 per year. Beyond the discount, managing both policies with a single insurer simplifies billing, renewals and claims. The main exception is if your home insurer doesn't offer competitive auto rates, or vice versa. In that case, comparing standalone quotes alongside bundled quotes makes sure you're not overpaying on one policy to capture the discount on the other.
What's the difference between a bundle discount and actual bundle savings?
A bundle discount is the percentage reduction applied to your premiums when you combine home and auto with the same insurer, while actual bundle savings is the dollar amount you save compared to buying the policies separately. In New Hampshire, State Farm's 23% discount produces $669 in annual savings, but Safety's 14% discount produces only $272, a much smaller dollar amount because Safety's base premiums are lower. Always compare both the discount percentage and the total bundled premium to find the best deal for your specific situation.
Which company has the best bundle in New Hampshire for homeowners who want more coverage?
Allstate earns the highest bundled coverage score among the top three New Hampshire providers at 3.82 out of 5, making it the strongest choice for homeowners who prioritize policy breadth over the lowest possible premium. Allstate offers a wide range of endorsements for both home and auto, including options relevant to New Hampshire risks such as water backup and extended replacement cost. Its annual bundle premium of $2,132 and 19% discount make it competitive on price as well.
How do I know if my bundle discount is actually saving me money?
The most reliable way to verify your bundle is saving you money is to get separate standalone quotes for home and auto from other carriers and compare the total to your current bundled premium. If the sum of two separate policies from different carriers is less than your bundle total, the bundle discount may not be enough to offset higher base rates. In New Hampshire, the gap between the cheapest bundled option ($1,708 with Safety) and the most expensive ($2,953 with Farmers) is $1,245 per year, making it worth shopping at every renewal cycle.
Best Home and Auto Bundle Insurance in New Hampshire: Our Methodology
MoneyGeek analyzed 400 quotes across 5 New Hampshire ZIP codes. Data sources include Quadrant Information Services, AM Best, J.D. Power and the New Hampshire Insurance Department. Figures are averages and actual rates vary by ZIP code, claims history and individual profile.
MoneyGeek's New Hampshire home and auto bundle data is sourced from Quadrant Information Services and reflects rates collected in 2026. Bundle premiums, discount percentages and savings figures are based on the profile described in our methodology and are updated annually. Carrier rankings may shift as insurers adjust their pricing in response to New Hampshire's evolving storm loss environment and regulatory changes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!