The Best Bundled Insurance in Pennsylvania
The Best Home and Auto Bundles in Pennsylvania
MoneyGeek graded bundled insurance providers on cost, service and discounts. Our research shows the two best auto and home insurance bundle providers in Pennsylvania are:
- State Farm: MoneyGeek score of 83 out of 100
- Allstate: MoneyGeek score of 78 out of 100
In the categories of home and auto satisfaction, State Farm scored the highest. In addition to being the most affordable bundle, their discounts outperform those of the competitors. Meanwhile, Allstate excelled in affordability and home insurance satisfaction.
Received a perfect score for discounts
Earned above-average insurance bundle satisfaction
Has a wide range of add-on coverages
Doesn’t offer unique auto insurance coverages like OEM
Doesn’t offer accident forgiveness
State Farm offers the best auto and home insurance bundle in Pennsylvania. The company’s bundled policy, which costs about $2,381 annually, reduces your rate by $586 and saves you about 20%.
State Farm car insurance. State Farm offers affordable auto insurance for most drivers, including young drivers and those with traffic violations. It provides rental car reimbursement, roadside assistance and common auto insurance add-on benefits.
State Farm home insurance. Homeowners can tailor their policies by choosing additional coverages from State Farm’s 12 options. These add-ons include rarely-offered options, such as mold and earthquake coverage.
Earned above-average home insurance satisfaction
Received a good score for discounts
Offers several discounts and optional coverages
Scored 3 out of 5 in auto insurance satisfaction
Doesn't offer better car replacement coverage
Allstate placed second in Pennsylvania for its home and auto insurance bundle offerings. Bundled coverage from Allstate, which costs roughly $2,409 yearly, lowers your rate by $228 and results in a 9% savings.
Allstate car insurance. Allstate customers can access special advantages like the early signing discount for purchasing a policy at least seven days before the required start date. However, the company does not give discounts for defensive driving or for insuring multiple vehicles.
Allstate home insurance. Allstate is a reliable option for homeowners seeking a blend of financial stability, client satisfaction and price. It offers nine coverage add-ons, higher than the market average of five. Allstate offers special coverage for homes with a yard and garden, which protects landscaping and riding lawn mowers.
The Best Home and Auto Bundles in Pennsylvania for Military Backgrounds
With a MoneyGeek score of 91 out of 100, USAA is the best auto and home insurance in Pennsylvania. However, USAA policies are only available to military members and their families.
If not for its exclusivity to individuals with a military background, USAA would have ranked as the best auto and home insurance in Pennsylvania overall. The company earned perfect MoneyGeek scores for home and auto insurance satisfaction.
USAA car insurance. With a stellar track record for financial stability, client satisfaction, affordability and complaint reduction, USAA is a top-rated auto insurance provider. It offers standard liability coverage, comprehensive and collision insurance, but no rare or special coverages.
USAA home insurance. With reasonably priced premiums, USAA's home insurance boasts outstanding consumer satisfaction and financial stability ratings. Home rental coverage and contents replacement cost coverage are two add-ons available to USAA home insurance policyholders.
The Best Home and Auto Bundle Discounts in Pennsylvania
Pennsylvania insurers offer an average discount of $188 yearly on bundled home and car insurance, or 7% off the total premium. State Farm provides the most substantial discount rate at 20%, according to MoneyGeek's study, whereas Nationwide offers no discount.
The company offering the highest bundle discount isn’t always the most affordable. For example, if you’re a military member, USAA offers the cheapest home and auto insurance bundle in Pennsylvania at a yearly cost of $1,803. However, USAA’s bundle discount is only 5%.
The Cheapest Home and Auto Bundles in Pennsylvania
MoneyGeek found the following insurance companies provide the cheapest home and auto insurance in Pennsylvania:
- State Farm: $2,381 per year
- Allstate: $2,409 per year
However, remember that the cheapest option may not necessarily be best for your unique customer profile. MoneyGeek advises readers to consider each insurer's advantages, disadvantages and features carefully.
State Farm offers the most affordable home and car insurance bundle in Pennsylvania. The company charges about $2,381 for a bundled premium — a 20% savings on buying its home and auto insurance policies separately.
State Farm auto insurance. State Farm offers great discounts that further lower its auto insurance rates. These include defensive driving, multiple-vehicle and airbag discounts. However, the company does not provide pay-in-full or paperless payment discounts.
State Farm home insurance. State Farm offers seven types of discounts on homeowners insurance, none of which are unique.
The Cheapest Non-Bundle Insurance Combinations in Pennsylvania
Bundling your home and auto insurance under one company is not always the cheapest option. Combining insurance coverage from two different firms can sometimes result in more significant cost savings. For instance, pairing Travelers auto insurance ($1,225) and Allstate home insurance ($805) results in an annual cost of $2,030, $351 less than the cheapest State Farm bundle.
Should You Bundle Home and Auto Insurance in Pennsylvania?
It's often wise to bundle your auto and home insurance in Pennsylvania. By combining your plans, you can usually get a better deal. Bundling, though, might not always be the most cost-effective choice for everyone.
Bundle discounts in Pennsylvania can save you between 5% and 20% per year.
Policyholders can save up to 20% when they bundle auto and homeowners insurance. For example, bundling your State Farm policies saves you up to $586. Travelers offers an 8% discount, saving policyholders $214.
Bundles are a convenient way to combine your most important property insurance policies.
Bundling enables you to deal with a single company and make one monthly payment. In addition, combining policies can save you money.
In rare cases, it might be better not to bundle in Pennsylvania.
In Pennsylvania, purchasing policies separately can be cheaper than bundling with one company. If you combine Travelers car insurance ($1,225) with Allstate home insurance ($805), you pay $2,030. This cost is $351 lower than State Farm’s home and auto insurance bundle at $2,381.
About Mark Fitzpatrick