Best and Cheapest Home and Auto Bundle Companies in New York (2024)

MoneyGeek ranked New York's best home and auto insurance bundle providers according to their rates, customer satisfaction and discounts. The top two companies in terms of overall value are:

• State Farm: MoneyGeek score of 91 out of 100
• Allstate: MoneyGeek score of 84 out of 100

State Farm scored the highest for auto insurance satisfaction and is on par with others in the home category. Allstate, our second-best bundle insurance provider in New York, also received high marks for home and auto insurance satisfaction and is the cheapest in the state.

If you are a member of the military, USAA is an excellent option, with a perfect score in the auto category and a 4 out of 5 in the home category. The insurer has a MoneyGeek score of 89 out of 100.

The average bundle discount across the state is $291, or 5% of the total cost. Allstate offers the largest discount at 13% and is the cheapest home and auto insurance provider in New York. Travelers offers the smallest discount at 4%.

However, providing the largest discount doesn’t always translate to offering the best price or service. In some states, the company with the smallest discount is also the company with the most affordable rates. Be sure to compare prices and services from many insurers before choosing one.

Without discounts, the following companies offer the most affordable bundles for home and auto owners in New York:

• Allstate: $3,924 per year
• State Farm: $4,957 per year

The cheapest option, however, may not be the one that best meets your needs. MoneyGeek recommends reviewing each company's benefits and features to find the best fit at the lowest price.

Before you bundle your home and auto insurance, check that it's the best option. In some cases, getting separate coverage from two companies is more cost-effective.

If you buy auto and home insurance separately in New York, you’ll spend $6,282 per year on average. However, if you purchase an Allstate auto insurance policy for $2,671 and a MetLife home insurance policy for around $1,003, the total is $3,674. That premium is significantly less than the average bundling cost and $250 less than the cheapest bundle offer from Allstate.

Bundling your car and home insurance with one provider in New York is usually a good idea and can result in cheaper rates. However, bundling may not be the cheapest option for everyone.