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

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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

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MoneyGeek Logo IconBestInsurance BundleRhode Island

Why trust MoneyGeek? Rhode Island bundle rates are supported by our analysis of quotes, and ratings for the best bundles are based on our proprietary scoring system that balances cost and discounts with service experience.

40Quotes Analyzed
4Companies Compared
1Zip Codes

The Best Home and Auto Bundles in Rhode Island

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.

State Farm



Has the cheapest bundle premiums


Scored 4 out of 5 for home and auto insurance


Features roadside assistance



Doesn't offer discount for paying in full


Doesn't provide accident forgiveness


MoneyGeek determined that State Farm offers the cheapest and best auto and home insurance bundle in Rhode Island. Its bundled plans cost about $1,383 per year, a savings of $262, or nearly 16%.

Roadside assistance is a cheap State Farm auto insurance policy add-on. This insurance covers drivers who run out of gas, lock themselves out, become stranded with a dead battery or require a tow, with most services provided at no cost. However, State Farm’s lack of standard add-on coverages like new car replacement, deductible reduction and better automobile replacement is a drawback.

State Farm home insurance offers uncommon add-ons like mold coverage, which can cover damages up to $20,000. The company’s home systems protection covers damages to permanent equipment, like heating, cooling, air filtration, water and electrical systems, from a sudden or accidental mechanical or electrical breakdown.

Read MoneyGeek's State Farm Auto Insurance Review



Scored 4 out of 5 in auto insurance


Scored 4 out of 5 in home insurance


Provides custom parts coverage



Doesn't offer defensive driving discount


Allstate is our runner-up for the best auto and home insurance bundle in Rhode Island. At $3,180 per year, it's also the second most affordable alternative, although significantly costlier than State Farm at $1,383.

Allstate’s car insurance policy offers media, portable electronics and custom parts coverage. Full coverage auto insurance policyholders typically receive protection for embellishments like bars, height-extending roofs, customized murals and special carpeting. Drivers can also save money with Allstate's responsible payment discount if they make on-time payments for at least a year.

Allstate homeowners insurance policyholders can pick add-ons like yard and garden coverage, which lets you raise your limit to cover trees, landscaping and lawn mowers. You can also add home energy efficiency upgrade coverage, where the company pays additional costs to purchase an energy-efficient replacement if an appliance or other equipment is damaged.

Read MoneyGeek's Allstate Auto Insurance Review

The Best Home and Auto Bundle Discounts in Rhode Island

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.

Home and Auto Bundle Discount in Rhode Island

The Cheapest Home and Auto Bundles in Rhode Island

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.

MoneyGeek Top Pick
State Farm

In Rhode Island, State Farm offers the most affordable home and auto insurance bundles. State Farm's multipolicy premiums run around $1,383 per year, 16% less than buying its home and car insurance policies separately.

State Farm offers ample discounts for both its car and home insurance products. These include the new vehicle discount, a unique discount that allows you to receive a reduction in the cost of medical payments coverage if your car was manufactured in 1994 or later. Meanwhile, if a home has qualifying impact-resistant roofing products, State Farm’s roofing material discount can result in considerable premium savings.

State FarmAnnual Premium$1,383
AllstateAnnual Premium$3,180
NationwideAnnual Premium$3,914
MetropolitanAnnual Premium$4,168
MetLifeAnnual Premium$4,168

The Cheapest Non-Bundle Insurance Combinations in Rhode Island

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.

State FarmHome InsuranceMetLifeAnnual Premium$2,286
State FarmHome InsuranceMetropolitanAnnual Premium$2,286
State FarmHome InsuranceNationwideAnnual Premium$2,394
State FarmHome InsuranceAllstateAnnual Premium$2,740
AllstateHome InsuranceState FarmAnnual Premium$2,931
NationwideHome InsuranceState FarmAnnual Premium$3,165
AllstateHome InsuranceMetLifeAnnual Premium$3,572
AllstateHome InsuranceMetropolitanAnnual Premium$3,572

Should You Bundle Home and Auto Insurance in Rhode Island?

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.

    discount icon

    Bundle discounts in Rhode Island can save you between 7% and 21% per year.

    Our study suggests that Allstate offers the most substantial discount, with policyholders saving about $846 by bundling their policies and paying around 21% less overall. That said, State Farm, with a 16% bundle discount, or a $262 price slash, offers the cheapest premium at $1,383.

    homeInsurance icon

    Bundles are a convenient way to combine your most important property insurance policies.

    In Rhode Island, there are benefits to combining your home and auto insurance coverage. For instance, managing your account is simpler with only one provider. You can also get a lower premium if you combine your insurance policies.

    uninsured icon

    In rare cases, it might be better not to bundle in Rhode Island.

    Bundling State Farm auto and home insurance policies will yield the cheapest premium in Rhode Island since this provider offers the most affordable options for each insurance product. However, since each insurer calculates prices differently, it is still possible to locate a less expensive non-bundled combination.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.