Best and Cheapest Home and Auto Bundle Companies in Oregon (2023)

For the average policyholder in Oregon, State Farm offers the best insurance bundle. Based on MoneyGeek’s rating system, it earned a bundle score of 82 out of 100 — the highest among insurers in Oregon.

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Advertising & Editorial DisclosureLast Updated: 1/24/2023
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iconBestInsurance BundleOregon
2023
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Methodology

Why trust MoneyGeek? Oregon bundle rates are supported by our analysis of quotes, and ratings for the best bundles are based on our proprietary scoring system that balances cost and discounts with service experience.

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The Best Home and Auto Bundles in Oregon

The best auto and home bundles in Oregon combine affordability with great customer service, along with a combination of coverage and discount offers. The top two bundle insurance companies in Oregon are:

  • State Farm: MoneyGeek score of 82 out of 100
  • Farmers: MoneyGeek score of 75 out of 100

State Farm received the highest score among all insurers in Oregon as well as an above-average score for both home and auto insurance satisfaction. Farmers, our runner-up choice, received an average score on auto insurance satisfaction and an above-average score on home insurance satisfaction.

State Farm

pros

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Received 4 out of 5 score in auto and home insurance satisfaction

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Offers rideshare insurance

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Earned a perfect score in discounts

cons

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Does not offer accident forgiveness coverage

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Does not offer gap insurance

COMPANY HIGHLIGHTS

State Farm ranked as the best auto and home insurance in Oregon, costing an average of $1,708 per year. It earned an above-average score for both auto and home insurance, and the highest possible score for discounts, to receive an overall bundle score of 81 out of 100.

State Farm auto insurance covers roadside assistance, including towing services, mechanical labor, gas and oil delivery, tire changes, locksmith labor and more. It should be noted that its policy coverage only extends to the services provided; your policy will not cover the cost of replacement parts.

State Farm’s home insurance policies include optional add-ons for energy efficiency upgrades and home systems protection. With its add-on coverage for energy efficiency, State Farm will pay to upgrade your appliances to more eco-friendly alternatives. Its home systems protection also covers sudden or unexpected breakdowns to your home’s air filtration or electrical systems.

Read MoneyGeek's State Farm Auto Insurance Review
Farmers

pros

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Received 4 out of 5 score in home insurance satisfaction

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Offers rideshare insurance

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Earned a perfect score in discounts

cons

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Received 3 out of 5 score in auto insurance satisfaction

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Does not offer accident forgiveness coverage

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Does not offer gap insurance

COMPANY HIGHLIGHTS

MoneyGeek ranked Farmers as the second-best home and auto insurance provider in Oregon. With this insurer, the cost of an auto and home insurance bundle is $1,942 per year. It earned an above-average auto and home insurance score and the highest discount score, for an overall bundle score of 75 out of 100.

For an additional cost, Farmers auto insurance covers roadside assistance and rental car and/or travel reimbursement. Included in the policy are new car replacement coverage, accident forgiveness and rideshare insurance. It also offers rare coverages, including OEM, custom parts and glass deductible coverage.

Farmers home insurance offers several ways to save, including claims-free and paperless discounts. With the claims-free discount, policyholders that go at least three years without making a claim with Farmers (or another insurer) will receive a discount on their annual premium. You may also be eligible for a discount on your premium by opting for paperless billing.

Read MoneyGeek's Farmers Auto Insurance Review

The Best Home and Auto Bundles in Oregon for Military Backgrounds

If you are a current or former member of the military, you can get some of the best and cheapest insurance from USAA. Certain eligibility requirements from USAA limit the general public from acquiring insurance from this provider. However, if you are a military or have military affiliations, it is typically worth checking out USAA and its coverages and discounts before considering other options.

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MoneyGeek Top Pick
USAA

In Oregon, USAA offers the cheapest bundle insurance. It earned an overall MoneyGeek score of 92 out of 100, and its average policy cost is $1,547 per year.

USAA offers a list of auto insurance coverages and perks for military members. Roadside assistance from USAA pays for towing, unlocking your vehicle, jumpstarting your battery, changing a flat tire and delivering gasoline. If your car is being repaired after a covered loss, USAA will cover the expenses for a rental car or public transportation.

The Best Home and Auto Bundle Discounts in Oregon

Most insurers offer bundling discounts for home and auto insurance in Oregon. In the state, you could save 10% or $177 per year by purchasing a bundle insurance policy rather than individual insurance policies from the same provider.

Of the insurers evaluated, MoneyGeek found that State Farm has the highest discount offer. When you bundle policies from State Farm, policyholders typically get a discount of around $304 per year, which is almost 15% off the normal cost of purchasing individual policies. Travelers insurance offers the smallest discount of around $60, which reduces the total cost by only 4%.

It’s important to recognize that even if an insurance provider offers a high discount rate, it may not be the cheapest option. For instance, Nationwide offers the cheapest bundle for an average cost of $1,561 per year, but it features one of the lowest discount rates among its competitors at 5%.

Home and Auto Bundle Discount in Oregon

The Cheapest Home and Auto Bundles in Oregon

Without including discounts, the cheapest home and auto bundles in Oregon are:

  • Nationwide: $1,561 per year
  • Travelers: $1,617 per year

Although you can save money by opting for the cheapest policies, the best insurance for you will be based on your coverage needs and financial goals. We recommend that you take into consideration coverage options, customer service and rates when choosing your insurance provider.

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MoneyGeek Top Pick
Nationwide

Nationwide offers the cheapest home and auto insurance bundle in Oregon for $1,561 per year. Based on our analysis, the company received average auto satisfaction and discount ratings but above-average home insurance satisfaction scores.

Nationwide auto insurance offers numerous common discounts, including those for insuring multiple cars, opting for paperless billing and safe driving. For an additional cost, you can supplement your base coverage with roadside assistance and identity theft coverage. Home insurance with Nationwide also comes with many cost-saving opportunities, including roofing material and protective device discounts.

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  • Car Insurance
    Annual Premium
  • MetLife
    $1,317
  • Metropolitan
    $1,317
  • Nationwide
    $1,561
  • Travelers
    $1,617
  • State Farm
    $1,708
  • Allstate
    $1,903
  • Farmers
    $1,942

The Cheapest Non-Bundle Insurance Combinations in Oregon

Although you may be able to save money by purchasing both your auto and home insurance from a single provider, buying them individually from different providers has its advantages. In some cases, it’s actually cheaper, and you have more flexibility to pick and choose your coverage options.

Based on our research, the cheapest non-bundle insurance combination includes auto insurance from Nationwide ($1,019) and home insurance from Travelers ($561) for a total annual premium of $1,580. Although this is slightly more expensive than the cheapest bundle option from Nationwide at $1,561 per year, the coverage included in Travelers home insurance may better fit your needs.

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  • Auto Company
    Home Insurance
    Annual Premium
  • Metropolitan
    Travelers
    $1,479
  • MetLife
    Travelers
    $1,479
  • Metropolitan
    Farmers
    $1,481
  • MetLife
    Farmers
    $1,481
  • MetLife
    Metropolitan
    $1,502
  • Metropolitan
    MetLife
    $1,502
  • MetLife
    Nationwide
    $1,544
  • Metropolitan
    Nationwide
    $1,544
  • Nationwide
    Travelers
    $1,580
  • Nationwide
    Farmers
    $1,582
  • Nationwide
    MetLife
    $1,603
  • Nationwide
    Metropolitan
    $1,603
  • State Farm
    Travelers
    $1,618
  • State Farm
    Farmers
    $1,620
  • State Farm
    Metropolitan
    $1,641
  • State Farm
    MetLife
    $1,641
  • Metropolitan
    Allstate
    $1,667
  • MetLife
    Allstate
    $1,667
  • Travelers
    Farmers
    $1,679
  • State Farm
    Nationwide
    $1,683
  • Travelers
    Metropolitan
    $1,700
  • Travelers
    MetLife
    $1,700
  • Travelers
    Nationwide
    $1,742
  • Nationwide
    Allstate
    $1,768
  • State Farm
    Allstate
    $1,806
  • Travelers
    Allstate
    $1,865
  • Metropolitan
    State Farm
    $1,873
  • MetLife
    State Farm
    $1,873
  • Allstate
    Travelers
    $1,971
  • Allstate
    Farmers
    $1,973
  • Nationwide
    State Farm
    $1,974
  • Allstate
    Metropolitan
    $1,994
  • Allstate
    MetLife
    $1,994
  • Allstate
    Nationwide
    $2,036
  • Farmers
    Travelers
    $2,048
  • Farmers
    MetLife
    $2,071
  • Travelers
    State Farm
    $2,071
  • Farmers
    Metropolitan
    $2,071
  • Farmers
    Nationwide
    $2,113
  • Farmers
    Allstate
    $2,236
  • Allstate
    State Farm
    $2,365
  • Farmers
    State Farm
    $2,442

Should You Bundle Home and Auto Insurance in Oregon?

Bundling home and auto insurance in Oregon is an easy way to save on your insurance premium. However, depending on your coverage needs, purchasing a non-bundle option may be a better decision.

To know which option is the best for you, you should carefully evaluate your coverage needs and financial goals. We recommend that you compare lenders for their rates, customer satisfaction ratings and coverage options to find the ideal lender for your situation.

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    Bundle discounts in Oregon can save you between 4% and 15% per year.

    State Farm offers the highest discount rate at 15%, whereas Travelers offers the lowest rate at 4%. By bundling insurance with State Farm, you can save as much as $304 per year.

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    Bundles are a convenient way to combine your most important property insurance policies.

    With bundle insurance, both your auto and home insurance policies are managed under a single provider and account. Because of this, it’s easier to make payments, file claims and review your account statements.

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    In rare cases, it might be better not to bundle in Oregon.

    Though bundling insurance is the least expensive option in Oregon, you can purchase non-bundle insurance for a slightly higher cost. This non-bundle option may include coverage that’s better suited for your needs.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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