State Farm earns a MoneyGeek score of 4.82 out of 5 and offers a combined annual bundle premium of $2,443 for Oregon residents, making it the top-ranked home and auto bundle insurer in the state. MoneyGeek analyzed 980 quotes across 14 Oregon ZIP codes, weighing affordability (the largest factor), customer satisfaction and coverage quality to build this ranking. State Farm also leads on bundle savings: its 23% discount translates to $732 in annual savings compared to buying policies separately.
Best Home and Auto Insurance Bundle in Oregon
Updated: May 5, 2026
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Key Takeaways
State Farm gets the highest MoneyGeek score in Oregon at 4.82 out of 5 and offers a bundled annual premium of $2,443 for home and auto coverage, though Allstate's $2,386 rate is the cheapest in the state.
State Farm also offers the biggest bundle discount in Oregon at 23%, saving policyholders $732 per year compared to buying policies separately.
A higher discount doesn't always mean the lowest total bill. In Oregon, Allstate's 16% discount results in the cheapest annual bundle at $2,386, which is $57 less than State Farm's $2,443, even though State Farm's discount is larger.
Best Home and Auto Insurance Bundle in Oregon
| State Farm | 4.82 | $2,443 | 23% |
| Allstate | 4.71 | $2,386 | 16% |
| Farmers | 4.56 | $2,620 | 18% |
| Nationwide | 4.46 | $2,683 | 14% |
Learn more about how we rank the top home and auto insurance bundles.
Top 3 Home and Auto Bundle Companies in Oregon
The three highest-ranked bundle providers in Oregon are State Farm, Allstate and Farmers. State Farm leads on both score and bundle savings, offering the largest discount in the state at 23%. Allstate offers the lowest total annual premium at $2,386, making it the best choice for cost-focused shoppers. Farmers rounds out the top three with strong coverage options and a solid customer satisfaction record. Oregon's homeowners insurance market has been affected by insurer restrictions in wildfire-exposed areas, limiting bundle availability in some communities. All three providers in this ranking are actively writing policies in Oregon and have maintained stable market presence across the 14 ZIP codes in MoneyGeek's analysis.
State Farm
MoneyGeek Rating
4.8/ 5
4.9/5Affordability
4.8/5Customer Experience
4.7/5Coverage
Annual Bundle Premium
$2,443Monthly Bundle Premium
$204Bundle Savings
23%
Allstate
MoneyGeek Rating
4.7/ 5
5/5Affordability
4.5/5Customer Experience
4.6/5Coverage
Annual Bundle Premium
$2,386Monthly Bundle Premium
$199Bundle Savings
16%
Farmers
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.5/5Coverage
Annual Bundle Premium
$2,620Monthly Bundle Premium
$218Bundle Savings
18%
Cheapest Home and Auto Bundle in Oregon
Allstate offers the cheapest home and auto bundle in Oregon at $2,386 per year, the lowest annual combined premium among all providers in MoneyGeek's analysis. The company with the biggest discount percentage is State Farm at 23%, which translates to $732 in annual savings. Despite that larger discount, State Farm's total bundle premium of $2,443 is $57 higher than Allstate's, a concrete illustration of why the highest discount doesn't always produce the lowest bill.
| Allstate | $2,386 | $454 |
| State Farm | $2,443 | $732 |
| Farmers | $2,620 | $564 |
| Nationwide | $2,683 | $419 |
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 Oregon
State Farm offers the highest bundle discount in Oregon at 23%, saving policyholders $732 per year, the largest dollar savings in the state. Farmers ranks second at 18% ($564 saved annually), followed by Allstate at 16% ($454 saved). The key distinction for Oregon shoppers: State Farm's 23% discount still leaves its total annual premium at $2,443, while Allstate's smaller 16% discount results in a lower total bill of $2,386, a $57 difference that shows why comparing total premiums, not just discount percentages, matters.
| State Farm | 23% | $732 | $2,443 |
| Farmers | 18% | $564 | $2,620 |
| Allstate | 16% | $454 | $2,386 |
| Nationwide | 14% | $419 | $2,683 |
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 OREGON
Several major insurers have restricted or exited parts of the Oregon homeowners market due to wildfire exposure, limiting which companies can offer a true bundle discount in affected areas. Oregon has no FAIR Plan, so homeowners who lose voluntary market coverage have very limited options and lose bundle eligibility with major carriers. All providers in MoneyGeek's analysis are actively writing in Oregon. For more on the Oregon homeowners market, see best homeowners insurance in Oregon.
How to Get Cheap Home and Auto Bundle Insurance in Oregon
Wildfire exposure in forested and rural Oregon is the primary driver of elevated home insurance premiums in the state, pushing costs above national averages. Several major insurers have restricted new homeowners policies in high-risk areas, narrowing bundle options and affecting market pricing for Oregon consumers.
- 1Choose a Higher Deductible
Raising your home insurance deductible from $500 to $1,000 can lower your annual home premium noticeably. The same logic applies to your auto comprehensive and collision deductibles. Before switching, make sure you have enough in savings to cover the higher out-of-pocket cost if you need to file a claim. The premium savings compound over time, but only if you are not forced to dip into emergency funds to cover a deductible you cannot afford.
- 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, available in Oregon, can reduce auto premiums for low-risk drivers and those savings stack directly on top of your bundle discount. Nationwide's SmartRide is another option for Nationwide policyholders. If you are a safe, low-mileage driver, enrolling in a telematics program at renewal is one of the easiest ways to reduce your total bundle cost without changing your coverage.
- 3Add Fire-Resistant Home Features
Wildfire risk is the dominant driver of elevated home insurance premiums in rural and forested Oregon, particularly in the Cascades foothills, southern Oregon and eastern Oregon communities. Installing fire-resistant roofing materials, ember-resistant vents, defensible space clearance around the home and Class A fire-rated building materials can qualify you for home insurance discounts with several carriers. Some Oregon insurers offer specific wildfire mitigation credits at renewal when homeowners document these improvements.
- 4Compare Quotes When Your Policy Renews
The annual bundle premium spread among Oregon providers in MoneyGeek's analysis runs from $2,386 (Allstate) to $2,683 (Nationwide), a difference of nearly $297 per year for identical coverage profiles. Comparing bundled quotes at renewal takes less time than most homeowners expect and can produce real, recurring savings. Switching from the most expensive to the least expensive provider in this analysis would save a typical Oregon policyholder close to $297 annually without reducing coverage.
Home and Auto Bundle Insurance in Oregon: FAQ
Does Oregon's wildfire risk affect home and auto bundle availability?
Yes. Several major insurers have restricted or stopped writing new homeowners policies in wildfire-exposed areas of Oregon, which directly limits bundle availability in those communities. Because a home and auto bundle requires an active homeowners policy, losing access to voluntary market home coverage also means losing the bundle discount. Oregon has no FAIR Plan fallback, so homeowners in high-risk areas who cannot find voluntary market coverage have very limited options and lose bundle eligibility with major carriers. All providers in MoneyGeek's analysis are actively writing in Oregon across the 14 ZIP codes included in our study.
Which company has the best bundle in Oregon for homeowners in wildfire-risk areas?
State Farm is the best bundle option for Oregon homeowners in wildfire-risk areas, earning a 4.82 MoneyGeek score and maintaining active writing across Oregon ZIP codes in MoneyGeek's analysis. State Farm's broad market presence and AM Best A++ financial strength rating make it a reliable choice in areas where other carriers have pulled back.
Should I bundle home and auto insurance in Oregon?
Yes, bundling home and auto insurance in Oregon is worth it. The top providers in MoneyGeek's analysis offer discounts ranging from 14% (Nationwide) to 23% (State Farm), producing between $419 and $732 in annual savings. The main caveat is that the bundle only makes financial sense if both policies are competitively priced; a large discount on an otherwise expensive policy may not beat a smaller discount from a lower-cost carrier.
Can I still get a bundle discount in Oregon if my home is in a wildfire zone?
It depends on whether a carrier is still actively writing homeowners policies in your specific ZIP code. Some insurers have restricted new homeowners policies in high-risk wildfire areas of Oregon, and if you cannot get a homeowners policy from a carrier, you cannot bundle with them for an auto discount. If your current insurer is still writing in your area, maintaining your existing policy and bundling is usually the best strategy. Contacting your insurer directly or working with an independent agent can help you identify which carriers are still offering bundles in your community.
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 carrier and compare the combined total to the bundled price. The difference is your actual dollar savings. In Oregon, MoneyGeek's data shows bundle savings ranging from $419 (Nationwide) to $732 (State Farm) per year. The bundle is only a true saving if the bundled total is also competitive with what other carriers charge for the same coverage; a large discount from an expensive insurer may still cost more than a modest discount from a cheaper one.
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. For example, State Farm's 23% discount in Oregon translates to $732 per year in actual bundle savings compared to buying the two policies separately. The distinction matters because a higher discount percentage does not always mean more dollars saved or a lower total bill. Allstate's 16% discount produces $454 in savings and results in the lowest total annual premium in Oregon at $2,386, while State Farm's larger 23% discount leaves its total annual premium at $2,443.
MoneyGeek analyzed 980 quotes across 14 Oregon ZIP codes to build the rankings on this page. Data sources include Quadrant Information Services, AM Best, J.D. Power and the Oregon Division of Financial Regulation. Figures are averages and actual rates vary by ZIP code, claims history and individual profile. 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 spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.