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 8, 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 offers Pennsylvania's largest bundle discount at 22%, saving policyholders $997 per year. Farmers produces the most dollar savings in raw terms at $1,190 annually. A higher discount percentage doesn't always translate to the lowest total premium: State Farm's bundled rate of $3,596 is still higher than Allstate's $2,899, so comparing total costs is the more reliable approach.
| 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, Pennsylvania's nor'easter and winter storm exposure raises home premiums statewide, and 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 these weather-related risks. Flood damage is not covered under a standard homeowners policy, so 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?
Bundling home and auto insurance in Pennsylvania can lower your total premium and simplify policy management with a single insurer. MoneyGeek's analysis found that the top-ranked bundle provider in Pennsylvania saves policyholders $615 per year compared to buying policies separately. Whether bundling makes sense depends on whether the bundled total is lower than what you would pay buying each policy from the best individual provider, so comparing both options before committing is the right move.
Which company has the best bundle in Pennsylvania for homeowners who want more coverage?
Chubb earns the highest MoneyGeek score in Pennsylvania, driven in part by its coverage score for both home and auto policies. Pennsylvania homeowners who prioritize coverage breadth, including options relevant to nor'easter, wind and winter storm damage, should look closely at Chubb's policy features.
Does flood insurance need to be purchased separately in Pennsylvania?
Yes, flood insurance is not included in any standard homeowners policy in Pennsylvania and must be purchased separately through the National Flood Insurance Program or a private flood insurer. This gap is especially relevant for policyholders in the Susquehanna and Delaware River valleys, where riverine flooding is a documented risk. A home and auto bundle does not close this gap, so homeowners in flood-prone areas should 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 to your premiums when you combine home and auto coverage with one insurer. Actual bundle savings is the dollar amount you save compared to buying those policies separately. In Pennsylvania, the provider with the highest bundle discount percentage is not always the one that produces the most dollar savings or the lowest total bill, because base rates differ across insurers.
How do I know if my bundle discount is actually saving me money?
The clearest way to confirm your bundle discount is producing real savings is to get separate quotes for home and auto from the best car insurance companies and top homeowners insurers and compare the combined total to your bundled quote. If your bundled premium is lower, the discount is working. If separate policies from different insurers cost less in total, the bundle is not saving you money despite 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 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 the analysis of the personal insurance market. He's also a five-time Jeopardy champion!