Below are our picks for the best home and auto insurance bundling companies in New York:
Best Home and Auto Insurance in New York
Updated: April 7, 2025
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Key Takeaways
State Farm and Allstate are the top picks for home and auto insurance in New York.
State Farm offers the best home and auto insurance discount, with savings of 16% on auto and 25% on home insurance.
Residents in the Empire State pay an average of $3,362 annually for insurance, about 9% more than the national average.
Who Offers the Best Home and Auto Insurance Bundles in New York?
| Travelers | 87 | $4,688 | $613 |
| State Farm | 84 | $3,094 | $717 |
| Allstate | 75 | $3,701 | $724 |
| Kemper | No Data | $1,965 | $305 |
State Farm: Best Cheap Home and Auto Insurance in New York
State Farm offers the best affordable home and auto insurance in New York, with 16% discounts on car and 25% on home insurance when bundled. The company provides additional discounts for extra savings. State Farm ranks well in J.D. Power customer satisfaction studies, placing seventh for home and second for auto insurance.
| Auto | $2,300 | $452 | 16% |
| Home | $794 | $266 | 25% |
Allstate: Best Home and Auto Insurance Coverage Options in New York
Allstate offers the third most affordable home and auto insurance in New York, providing the largest overall discount of $724 a year for bundling. Customers can save up to 40% on car insurance through programs like Drivewise and other discounts. Allstate offers unique coverage options, including accident forgiveness, new car replacement and green improvement reimbursement — features uncommon among other insurers.
| Auto | $2,318 | $87 | 4% |
| Home | $1,383 | $636 | 32% |
New York Home and Auto Insurance Cost
Empire State residents pay about $280 monthly for home and auto insurance, above the national average of $258. Depending on the provider, monthly costs range from $164 to $391.
| New York home and auto insurance bundle | $3,362 | $-269 | 9% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
New York Home and Auto Insurance Quotes Without Bundling
Not bundling home and auto insurance in New York is more expensive, though your quotes may vary. Below are the average costs of all coverage combinations from our top providers without bundling, listed from cheapest to most expensive.
| Kemper | State Farm | $2,252 |
| Kemper | Travelers | $2,653 |
| Kemper | Allstate | $3,212 |
| Allstate | State Farm | $3,465 |
| Allstate | Kemper | $3,484 |
| State Farm | Kemper | $3,831 |
| Allstate | Travelers | $3,866 |
| State Farm | Travelers | $4,213 |
| State Farm | Allstate | $4,772 |
| Travelers | State Farm | $4,900 |
| Travelers | Kemper | $4,919 |
| Travelers | Allstate | $5,860 |
Should I Bundle Home and Auto Insurance in New York?
Bundling home and auto insurance in New York is typically cheaper than buying separate policies. Assess your coverage needs and financial situation to find your best option.
Bundling discounts cost less than individual policies
In New York, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $2,252, while bundling brings it down to $1,965.
Bundling makes policy management convenient
Bundling policies makes managing your insurance easier since it’s through a single account.
In rare cases, it might be better not to bundle in New York
Purchasing nonbundle insurance may not help you save more money, but it can provide more flexibility in coverage options.
Best Auto and Home Insurance in New York: Bottom Line
State Farm and Allstate are the best companies for bundling home and auto insurance in New York. Bundling saves more money than buying separate policies. Compare multiple companies and get quotes to find the best deal for your needs.
Home and Auto Insurance in New York: FAQ
Find expert answers to common questions about New York home and auto insurance here:
Who has the best home and auto insurance in New York?
For most drivers in New York, State Farm is the best home and auto insurance provider. If you're looking for coverage options, Allstate is a better choice.
Who has the cheapest home and auto insurance in New York?
Kemper offers the most affordable home and auto insurance bundle in New York at $1,965 annually. Policyholders can save an average of $305 annually compared to the state average.
How much does home and auto insurance in New York cost on average?
The average annual premium for home and auto insurance bundles in New York is $3,362, 9% higher than the national average. Kemper offers the most affordable bundling rate at $1,965, while Travelers has the highest at $4,688.
Is bundling home and auto insurance cheaper in New York?
Bundling home and auto insurance typically costs less in New York. While the cheapest option may be tempting, make sure it provides enough financial protection against major losses. Balance affordability with comprehensive coverage.
Best Auto and Home Insurance Bundle in New York: Our Methodology
Bundle Scoring System
MoneyGeek used data from the New York State Department of Financial Services and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in New York
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in New York
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.