Chubb ranks as Pennsylvania's best home and auto bundle insurer with a MoneyGeek score of 4.81 out of 5 and an annual bundled premium of $3,868. I analyzed 1,440 quotes across 16 Pennsylvania ZIP codes, weighing affordability, customer satisfaction and coverage quality to build these home and auto insurance bundle rankings. State Farm offers the highest bundle discount in Pennsylvania at 22%, saving policyholders $997 per year.
Best Home and Auto Insurance Bundle in Pennsylvania
Updated: May 26, 2026
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Key Takeaways
Chubb scores the highest for home and auto bundle insurance in Pennsylvania with a MoneyGeek score of 4.81 out of 5 and the cheapest annual bundled rate of $3,868.
State Farm offers Pennsylvania's largest bundle discount at 22%, saving policyholders $997 per year.
A bigger discount doesn't guarantee the lowest total bill. In Pennsylvania, State Farm's 22% discount still results in a higher annual premium than Allstate's bundled rate of $2,899.
Best Home and Auto Insurance Bundle in Pennsylvania
| Chubb | 4.81 | $3,868 | 14% |
| Allstate | 4.74 | $2,899 | 17% |
| State Farm | 4.71 | $3,596 | 22% |
| Nationwide | 4.68 | $3,484 | 17% |
| Progressive | 4.59 | $5,222 | 6% |
Learn more about how we rank the top home and auto insurance bundles.
Top 3 Home and Auto Bundle Companies in Pennsylvania
The top three home and auto bundle providers in Pennsylvania are Chubb, Allstate and State Farm. Chubb leads on composite score, Allstate offers the lowest annual bundled premium in the state and State Farm offers the largest bundle discount percentage. Pennsylvania's nor'easter and winter storm exposure statewide, flood risk in the Susquehanna and Delaware River valleys and high property values in Philadelphia suburbs all factor into why certain providers rank well here.
Chubb
MoneyGeek Rating
4.8/ 5
4.5/5Affordability
4.8/5Customer Experience
5/5Coverage
Annual Bundle Premium
$3,868Monthly Bundle Premium
$322Bundle Savings
14%
Allstate
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.6/5Customer Experience
4.7/5Coverage
Annual Bundle Premium
$2,899Monthly Bundle Premium
$242Bundle Savings
17%
State Farm
MoneyGeek Rating
4.7/ 5
4.6/5Affordability
4.8/5Customer Experience
4.7/5Coverage
Annual Bundle Premium
$3,596Monthly Bundle Premium
$300Bundle Savings
22%
Cheapest Home and Auto Bundle in Pennsylvania
Allstate offers Pennsylvania's lowest bundled insurance rate at $2,899 per year. State Farm carries the biggest bundle discount at 22%, saving policyholders $997 annually. Even so, State Farm's total bundled premium of $3,596 exceeds Allstate's rate by $697, showing that a higher discount doesn't always mean a lower bill.
| Allstate | $2,899 | $575 |
| Westfield Insurance | $3,229 | $511 |
| Nationwide | $3,484 | $700 |
| State Farm | $3,596 | $997 |
| Chubb | $3,868 | $615 |
| Progressive | $5,222 | $339 |
| Farmers | $5,794 | $1,190 |
| Travelers | $7,106 | $913 |
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 Pennsylvania
State Farm has Pennsylvania's largest bundle discount at 22%, saving policyholders $997 a year. Farmers saves the most in dollar terms at $1,190 a year. A higher discount percentage doesn't always mean the lowest total bill: State Farm's bundled rate of $3,596 is higher than Allstate's $2,899, so compare total costs, not just discount percentages.
| State Farm | 22% | $997 | $3,596 |
| Farmers | 17% | $1,190 | $5,794 |
| Nationwide | 17% | $700 | $3,484 |
| Allstate | 17% | $575 | $2,899 |
| Chubb | 14% | $615 | $3,868 |
| Westfield Insurance | 14% | $511 | $3,229 |
| Travelers | 11% | $913 | $7,106 |
| Progressive | 6% | $339 | $5,222 |
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.
How to Get Cheap Home and Auto Bundle Insurance in Pennsylvania
Nor'easter and winter storm exposure drives home premiums higher across Pennsylvania, and riverine flood risk in the Susquehanna and Delaware River valleys adds to total insurance costs for policyholders in those communities. Knowing these cost drivers helps you target the right savings strategies.
- 1Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 lowers your annual home premium, and the same logic applies to auto comprehensive and collision deductibles. Before switching, make sure you have enough cash reserves to cover the higher out-of-pocket cost if you need to file a claim.
- 2Try a Telematics Auto Program
Telematics programs track your speed, braking and mileage and can lower your auto rate based on actual driving behavior. Progressive's Snapshot and Nationwide's SmartRide are two programs available to Pennsylvania drivers through top-ranked providers. These savings stack on top of your existing bundle discount, so the combined reduction can be substantial.
- 3Winterize and Protect Against Nor'easters and Flooding
Nor'easter and winter storm exposure is the primary driver of elevated home premiums in Pennsylvania, including damage from ice dams, heavy snow loads and wind. Storm-resistant roofing, reinforced windows and winter weatherproofing improvements can qualify for home insurance discounts with several top Pennsylvania providers. River valley homeowners should also note that flood insurance requires a separate policy and is not part of a standard home and auto bundle.
- 4Compare Quotes When Your Policy Renews
The spread between the cheapest and most expensive bundled providers in Pennsylvania is $4,207 per year, meaning comparison shopping at renewal can produce real savings. Comparing bundled quotes takes less time than most homeowners expect, and locking in a lower rate at renewal is one of the most straightforward ways to reduce your total insurance costs.
Home and Auto Insurance Bundle in Pennsylvania: FAQ
Does Pennsylvania's flood and winter storm risk affect home and auto bundle rates?
Yes. Nor'easter and winter storm exposure raises home premiums statewide. Riverine flood risk in the Susquehanna and Delaware River valleys adds further cost pressure for policyholders in those areas. MoneyGeek's analysis of 1,440 quotes across 16 Pennsylvania ZIP codes shows that home affordability scores vary by region, partly reflecting weather risk. Flood damage isn't covered under a standard homeowners policy. policyholders in flood-prone communities need a separate NFIP or private flood policy on top of their bundle.
Should I bundle home and auto insurance in Pennsylvania?
Yes, with a caveat. MoneyGeek's top-ranked bundle provider in Pennsylvania saves policyholders $615 a year compared to buying separately. But bundling only makes sense if the bundled total is lower than buying each policy from the best individual provider for that coverage type. Compare both options before committing.
Which company has the best bundle in Pennsylvania for homeowners who want more coverage?
Chubb earns the highest MoneyGeek score in Pennsylvania, driven by its coverage score for both home and auto. Pennsylvania homeowners who prioritize nor'easter, wind and winter storm coverage should review Chubb's policy features closely.
Does flood insurance need to be purchased separately in Pennsylvania?
Yes. Standard homeowners policies in Pennsylvania don't cover flood damage. Buy it separately through the National Flood Insurance Program or a private flood insurer. The risk is highest in the Susquehanna and Delaware River valleys. A home and auto bundle doesn't change this, so homeowners in flood-prone areas need to budget for a separate flood policy.
What's the difference between a bundle discount and actual bundle savings?
A bundle discount is the percentage reduction applied when you combine home and auto with one insurer. Actual bundle savings is the dollar amount you save compared to buying separately. In Pennsylvania, the highest discount percentage doesn't always produce the most dollar savings or the lowest total bill. Base rates differ enough across insurers that the math doesn't follow the percentage.
How do I know if my bundle discount is actually saving me money?
Get separate quotes for home from the top homeowners insurers and auto from the best car insurance companies, then add those totals together. If your bundled premium is lower, the discount is working. If separate policies cost less in total, the bundle isn't saving you money, regardless of the advertised discount percentage.
MoneyGeek analyzed 1,440 quotes across 16 Pennsylvania ZIP codes to build these rankings. Data sources include Quadrant Information Services, AM Best, J.D. Power and the Pennsylvania Insurance Department. Figures are averages; actual rates vary by ZIP code, claims history and individual profile. See our auto insurance methodology for full details.
Data updated May 2026.
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 produces 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.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.