Best Rhode Island Home and Auto Bundle Insurance Companies (2024)

We scoured the marketplace to find the best home and auto bundled insurance providers in Rhode Island based on a combination of affordability and service metrics. The following companies rose to the top:

• State Farm: MoneyGeek score of 89 out of 100
• Allstate: MoneyGeek score of 80 out of 100

Compared with the competition, State Farm and Allstate provide significant discounts and excellent service on auto and home insurance. Although these two companies' scores are tied in those areas, State Farm offers significantly cheaper bundles than Allstate, giving it first place in our ranking.

In Rhode Island, the average annual home and car insurance bundle savings is $282, or 8% off the total cost. Allstate offers the largest discount rate at 21%. Meanwhile, Metropolitan offers the smallest discount at 7%, and Nationwide does not provide discounts for bundling at all.

Keep in mind that the company offering the highest package discount may not always be the cheapest or best choice for you. For instance, Allstate offers the biggest discounts but still costs $3,180, which is significantly higher than State Farm's bundle price of $1,383.

Excluding discounts, the following companies in Rhode Island provide the cheapest home and auto insurance bundles:

• State Farm: $1,383 per year
• Allstate: $3,180 per year

Once more, the cheapest solution may not necessarily be the best for your particular requirements. For the most long-term savings, we advise our readers to carefully consider each insurer’s advantages, disadvantages and features.

Bundling policies with the same company is not always the cheapest option. Combining insurance coverage from two companies can occasionally result in more significant savings. In other words, combine the least expensive home insurance with the cheapest car insurance you can find.

That's not the case in Rhode Island, however. According to MoneyGeek's study, pairing Metropolitan home insurance (costs $1,389) with State Farm auto insurance ($897) results in an annual price of $2,286. The cost of doing so is still $903 higher than State Farm's bundled home and auto insurance at $1,383.

In Rhode Island, bundling your home and car insurance typically makes sense because managing your coverage is easier if you deal with just one company. Additionally, you can save more money by bundling your home and auto insurance with State Farm, which has the most affordable policies. However, bundling might not always be the most economical choice for everyone.