State Farm earns a MoneyGeek score of 4.73 out of 5 and offers the lowest annual bundled rate in New York at $3,707, making it the top-ranked home and auto bundle insurer in the state. I analyzed 950 quotes across 19 New York ZIP codes, with rankings weighted across affordability, customer satisfaction, and coverage quality. Allstate offers the highest bundle discount at 19%, producing the largest dollar savings of $1,008 per year, though its total bundled premium of $4,215 remains higher than State Farm's $3,707. For a broader look at how bundling can reduce your insurance costs, see my guide to home and auto insurance bundling.
Best Home and Auto Insurance Bundle in New York
Updated: May 5, 2026
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Key Takeaways
State Farm is the best home and auto bundle insurer in New York with a MoneyGeek score of 4.73 out of 5 and the lowest annual bundled rate of $3,707, the most affordable option among all providers analyzed.
Allstate offers the highest bundle discount in New York at 19%, producing annual savings of $1,008, the largest dollar savings of any provider in this analysis.
A bigger discount does not guarantee the lowest total bill: Allstate's 19% discount still results in a $4,215 annual bundle premium, $508 more per year than State Farm's 18% discount, which offers the lowest total cost at $3,707.
Best Home and Auto Insurance Bundle in New York
| State Farm | 4.73 | $3,707 | 18% |
| Chubb | 4.65 | $4,776 | 14% |
| Allstate | 4.58 | $4,215 | 19% |
| Travelers | 4.56 | $4,282 | 12% |
To learn more about how I rank the top home and auto insurance bundles, see my methodology.
Top 3 Home and Auto Bundle Companies in New York
State Farm, Chubb, and Allstate are the top three home and auto bundle providers in New York, based on my analysis of 950 quotes across 19 ZIP codes. State Farm leads on price with the lowest annual bundled rate at $3,707. Allstate offers the biggest bundle discount at 19%, saving policyholders $1,008 per year. Chubb performs well for premium coverage quality and customer satisfaction, making it the strongest option for high-value homes in the NYC metro and coastal Long Island. New York's coastal hurricane and nor'easter exposure, high NYC metro property values, Long Island storm surge risk, and regulated insurance environment all shape which providers rank well, rewarding insurers that actively write policies across the state's diverse risk zones.
State Farm
MoneyGeek Rating
4.7/ 5
5/5Affordability
3.9/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$3,707Monthly Bundle Premium
$309Bundle Savings
18%
Chubb
MoneyGeek Rating
4.7/ 5
2.8/5Affordability
4.2/5Customer Experience
3.5/5Coverage
Annual Bundle Premium
$4,776Monthly Bundle Premium
$398Bundle Savings
14%
Allstate
MoneyGeek Rating
4.6/ 5
3.7/5Affordability
3.5/5Customer Experience
3.8/5Coverage
Annual Bundle Premium
$4,215Monthly Bundle Premium
$351Bundle Savings
19%
Cheapest Home and Auto Bundle in New York
| State Farm | $3,707 | $800 |
| Allstate | $4,215 | $1,008 |
| Travelers | $4,282 | $596 |
| Chubb | $4,776 | $747 |
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 York
Allstate has the highest bundle discount in New York at 19% and produces the largest dollar savings of $1,008 per year, making it the leader on both measures. Allstate's total bundled premium of $4,215 is still higher than State Farm's $3,707, which carries an 18% discount. This shows the key distinction between discount size and actual cost: a higher percentage applied to a larger base rate can leave you paying more in total than a slightly lower discount applied to a more competitive starting price.
| Allstate | 19% | $1,008 | $4,215 |
| State Farm | 18% | $800 | $3,707 |
| Chubb | 14% | $747 | $4,776 |
| Travelers | 12% | $596 | $4,282 |
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 YORK
New York's coastal communities, Long Island, the Rockaway Peninsula, and areas affected by Hurricane Sandy, have insurer restrictions tied to hurricane and storm surge exposure. Some insurers have restricted or limited New York homeowners' policies in vulnerable coastal ZIP codes as a result. Flood coverage requires a separate NFIP or private flood policy and is not included in a standard home and auto bundle, which is a significant gap for many New York coastal and riverside policyholders.
New York's high property values in the NYC metro push rebuilding costs and home premiums above national averages, making bundle affordability a more pressing concern here than in most states. All providers in my analysis are actively writing policies in New York.
How to Get Cheap Home and Auto Bundle Insurance in New York
New York City metro property values push home rebuilding costs and premiums well above national averages, and nor'easter and hurricane exposure along Long Island and coastal communities adds further elevation to home insurance costs in the state. Comparing bundled quotes from multiple providers, including State Farm, Allstate, and Chubb, is the most reliable way to identify the lowest total cost for your specific address and coverage needs.
- 1
Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can lower your annual home premium, and the same logic applies to auto comprehensive and collision deductibles. In New York's elevated-cost market, even modest deductible increases can produce noticeable annual savings. Before making this change, make sure you have sufficient cash reserves to cover the higher out-of-pocket amount if you need to file a claim.
- 2
Try a Telematics Auto Program
Telematics programs track driving behavior (speed, braking, and mileage) and can lower your auto premium based on demonstrated safe driving. Progressive's Snapshot program and Allstate's Drivewise are available to New York drivers and can deliver additional auto savings that stack directly on top of your existing bundle discount. Drivers who log fewer miles or drive primarily off-peak can see the most benefit.
- 3
Fortify Your Home Against Nor'easters, Hurricanes, and Flooding
Nor'easter and hurricane exposure along New York's coast and Long Island drives elevated home premiums in coastal communities, while high property values in the NYC metro push rebuilding costs well above national norms. Storm-resistant roofing, reinforced windows and doors, and coastal wind mitigation improvements can qualify for home insurance discounts with providers like Allstate and State Farm. Note that flood insurance requires a separate NFIP or private policy and is not part of a standard bundle, which is an important gap to address for New York coastal and riverside policyholders.
- 4
Compare Quotes When Your Policy Renews
The annual bundled premium spread among New York providers in my analysis runs from $3,707 (State Farm) to $4,776 (Chubb), a difference of $1,069 per year for identical coverage. Comparing bundled quotes at renewal takes less time than most homeowners expect and can produce real savings. Even switching within the top-ranked providers can reduce your annual cost without sacrificing quality.
Home and Auto Insurance Bundle in New York: FAQ
Does New York's coastal exposure and high property values affect home and auto bundle rates?
Yes. New York's combination of nor'easter and hurricane risk along Long Island and the coast, combined with NYC metro rebuilding costs that far exceed the national average, pushes home premiums higher than most states. MoneyGeek's analysis found annual bundled premiums in New York ranging in cost from $3,707 to $4,776, reflecting this elevated risk environment.
Should I bundle home and auto insurance in New York?
Yes, bundling home and auto insurance in New York is generally worth it. All four providers in MoneyGeek's analysis offer bundle discounts ranging from 12% to 19%, with dollar savings between $596 and $1,008 per year. The key is to compare total bundled premiums rather than just discount percentages, since a larger discount does not always produce the lowest total bill.
Does flood insurance need to be purchased separately in New York?
Yes. Standard home and auto bundle policies do not include flood coverage. New York homeowners in flood-prone areas, including coastal Long Island, the Rockaway Peninsula, and riverside communities, must purchase flood insurance separately through the National Flood Insurance Program (NFIP) or a private flood insurer. This is an important gap to address given New York's storm surge and coastal flooding exposure.
How do I know if my bundle discount is actually saving me money?
The most reliable way is to get separate quotes for home and auto from the same insurer and compare the combined cost to the bundled price. The difference is your true dollar savings. In New York, MoneyGeek found bundle savings ranging from $596 (Travelers) to $1,008 (Allstate) per year. Also compare your bundled total against the cheapest bundled option available: Allstate's 19% discount still results in a $508 higher annual bill than State Farm's 18% discount.
What's the difference between a bundle discount and actual bundle savings?
A bundle discount is a percentage reduction applied to your combined premiums, while actual bundle savings is the dollar amount you save compared to buying each policy separately. In New York, Allstate's 19% discount produces $1,008 in annual savings, while State Farm's 18% discount saves $800. A smaller percentage applied to a lower base rate results in the lowest total bundled premium at $3,707 for State Farm. Always evaluate both figures when comparing options.
Which company has the best bundle in New York for homeowners who want more coverage?
Chubb is the top choice for New York homeowners who prioritize coverage quality over price. Chubb earns the highest coverage and customer satisfaction scores in MoneyGeek's New York analysis and offers features like extended replacement cost and risk consulting that are valuable for high-value NYC metro and Long Island properties. Its annual bundled premium is $4,776 with a 14% discount.
MoneyGeek analyzed 950 quotes across 19 New York ZIP codes to build the rankings on this page. Data sources include Quadrant Information Services, AM Best, J.D. Power, and the New York Department of Financial Services. Figures are averages, and actual rates vary by ZIP code, claims history, and individual profile. To learn more, see our auto insurance methodology.
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!