State Farm offers Oregon's most affordable home and auto bundle at $2,080 per year with $100,000 in dwelling coverage, but the cheapest provider shifts as coverage increases. Allstate becomes the lowest-cost option at $250,000 dwelling coverage at $2,386 annually and again at $750,000 dwelling at $3,249 per year. State Farm reclaims the top spot at $500,000 dwelling coverage at $2,935 and offers the best rate at the $1 million level at $3,900 annually. Use the filters to compare rates at the coverage level that matches your home's value.
Best Cheap Home and Auto Bundle Insurance in Oregon
Updated: April 2, 2026
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Key Takeaways
Allstate provides Oregon's most affordable home and auto bundle at $2,386 per year. Read more.
State Farm offers Oregon's largest bundle discount at 23%, which saves customers $732 annually. Read more.
State Farm ranks as Oregon's top home and auto bundle provider with a MoneyGeek score of 4.8 out of 5. Read more.
Cheapest Home and Auto Bundle in Oregon
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
40
| Allstate | $2,386 | $454 |
| State Farm | $2,443 | $732 |
| Farmers | $2,620 | $564 |
| Nationwide | $2,683 | $419 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
Companies Offering the Biggest Bundle Discount in Oregon
State Farm leads Oregon's bundle discount market, offering both the highest percentage discount at 23% and the largest dollar savings at $732 annually. With a bundled premium of $2,443, it provides substantial savings for homeowners seeking meaningful discounts on their insurance packages. But Allstate remains the most affordable overall option at $2,386 per year for budget-conscious residents. State Farm offers the best combination of discount size and competitive rates for most Oregon policyholders.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| 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 good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates across different coverage levels.
Best Home and Auto Bundle Companies in Oregon
Oregon's top home and auto bundle options come from State Farm, scoring 4.8 out of 5, and Allstate at 4.7 out of 5. State Farm leads through strong customer satisfaction ratings in auto insurance and comprehensive home coverage options that include specialty protections. Allstate earns its high ranking by offering competitive pricing on both auto and home policies, making it an affordable choice for budget-conscious homeowners. Both providers maintain extensive agent networks throughout the state, ensuring local support for claims and policy management.
| Best Overall | State Farm | 4.8 | $2,443 |
| Biggest Discount | State Farm | 4.8 | $2,443 |
| Cheapest Bundle | Allstate | 4.7 | $2,386 |
| Runner-Up | Allstate | 4.7 | $2,386 |
Best Overall: State Farm
pros
Drive Safe & Save telematics program rewards Oregon drivers with additional discounts beyond the standard bundle for safe driving habits.
Top MoneyGeek score in Oregon at 96 out of 100, the highest among providers in the analysis.
Policyholders save $732 per year by bundling home and auto with State Farm.
Personal property replacement cost coverage and equipment breakdown protection provide more comprehensive home protection than basic policies.
cons
Auto coverage options rank fourth among the four providers analyzed for Oregon, indicating more limited policy features compared to competitors.
At $2,443 per year, the bundled premium is higher than that of Allstate.
COMPANY HIGHLIGHTS
At $2,443 per year, State Farm offers Oregon's top-rated home and auto bundle with a MoneyGeek score of 96 out of 100 (4.8 stars). Bundling saves policyholders $732 per year, a 23% discount over buying each policy separately.
Oregon's earthquake and wildfire risks make State Farm's home coverage options valuable, including optional earthquake protection that many carriers don't offer in the state. The Drive Safe & Save program uses telematics to reward safe driving habits with additional auto discounts beyond the bundle savings, helping offset higher premiums in areas with increased wildfire exposure.
State Farm's mobile app lets bundled policyholders file claims for both home and auto policies from one platform, streamlining the process during Oregon's storm season when both property and vehicle damage often occur together.
Runner-Up: Allstate
pros
Bundling saves policyholders $454 per year at a 16% discount
Runner-up bundle provider in Oregon with a MoneyGeek score of 94 out of 100
Drivewise telematics program rewards safe driving habits with additional discounts beyond the standard bundle savings
Digital policy management tools let customers handle claims, payments and policy changes for both home and auto coverage through one mobile app
cons
Home customer experience ranks last among the four providers in MoneyGeek's analysis.
Auto customer satisfaction trails two other providers in the study.
Allstate's home insurance in Oregon may have more restrictive coverage options compared to some competitors in high-risk areas.
COMPANY HIGHLIGHTS
At $2,386 per year, Allstate is Oregon's second-ranked home and auto bundle provider with a MoneyGeek score of 94 out of 100 (4.7 stars). Policyholders save $454 per year through a 16% bundle discount.
Allstate's Drivewise program uses driving data to reward safe habits with additional auto discounts beyond the bundle savings, while Milewise offers pay-per-mile pricing for low-mileage drivers. Home policies in Oregon include extended replacement cost coverage and identity theft protection. Oregon's wildfire risks make Allstate's comprehensive home coverage options valuable for rural and suburban properties.
The Allstate mobile app provides digital ID cards, claims filing and policy management tools that keep bundled coverage accessible from anywhere.
How to Get Cheaper Home and Auto Bundle Insurance in Oregon
Oregon's home insurance costs run higher than average due to wildfire and earthquake risks, making bundle savings especially valuable. Homeowners can reduce their premiums by adjusting coverage levels and taking advantage of available discounts. There are effective strategies below for lowering your bundle costs.
Increase Your Home Deductible
A higher deductible reduces your premium. Moving from $500 to $1,000 can lower costs, but you'll pay more out-of-pocket if you file a claim. Make sure you have adequate cash reserves before choosing this strategy.
Use a Driving Discount Program
State Farm's Drive Safe & Save tracks your driving habits through mobile apps or devices. Allstate's Drivewise telematics program rewards you for safe driving habits, giving you more discounts.
Add Fire-Resistant Home Features
Wildfire mitigation improvements like defensible space landscaping, fire-resistant roofing materials and ember-resistant vents qualify for premium discounts in Oregon. These safety upgrades stack with your bundle savings for additional cost reduction.
Keep Your Credit Score Strong
Oregon insurers use credit-based insurance scoring for both home and auto coverage. Maintaining good credit can lower your premiums at renewal time, as insurers view better credit as indicating lower risk for claims.
Home and Auto Insurance in Oregon: FAQ
Does Oregon's regional risk affect bundle insurance rates?
Yes. Wildfire risk is the leading factor behind elevated home insurance premiums in Oregon, which directly raises bundle costs. Insurers assess wildfire risk ratings, proximity to forest areas, defensible space around properties and access routes for emergency vehicles when pricing coverage. Creating defensible space and installing fire-resistant roofing materials can help offset premium increases.
Which company has the best bundle in Oregon for homeowners who want more coverage?
State Farm leads Oregon's homeowners insurance market with a MoneyGeek score of 96 out of 100, offering comprehensive coverage options. The insurer offers valuable add-ons like equipment breakdown protection for appliance failures and service line coverage for utility repairs. State Farm also provides extended replacement cost coverage.
Should I bundle home and auto insurance in Oregon?
Yes, and the case is straightforward since every provider in MoneyGeek's Oregon analysis offers bundling discounts that reduce your overall insurance costs. Oregon's insurance market makes these savings valuable for policyholders who already need both home and auto coverage. Combining policies simplifies billing and renewals while delivering measurable financial benefits. Always compare bundled rates against separate quotes before committing.
Best Auto and Home Insurance Bundle in Oregon: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the Oregon Division of Financial Regulation, Quadrant Information Services, AM Best and J.D. Power. Premiums are averages and vary by ZIP code, claims history and individual profile.
- MoneyGeek score: Weights affordability, customer satisfaction (AM Best and J.D. Power) and coverage quality
- Baseline driver: 40-year-old with good credit, 2021 Toyota Camry, 50/100 full coverage with $1,000 deductible
- Baseline home: $250,000 dwelling, $125,000 personal property, $200,000 liability
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 analysis of the personal insurance market. He's also a five-time Jeopardy champion!