State Farm earned a MoneyGeek score of 4.79 out of 5, the highest among Tennessee bundle insurers, with an annual bundled premium of $3,320. I analyzed 950 quotes across 19 Tennessee ZIP codes, weighing affordability, customer satisfaction and coverage quality to build these rankings. State Farm offers the largest home and auto bundle discount in the state at 26%, producing $1,149 in annual savings.
Best Home and Auto Insurance Bundle in Tennessee
Updated: May 6, 2026
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Key Takeaways
State Farm earned the top MoneyGeek score of 4.79 out of 5 for home and auto bundle insurance in Tennessee, and the cheapest annual bundled rate of $3,320.
State Farm offers Tennessee's biggest bundle discount at 26%, saving policyholders $1,149 per year.
A bigger discount doesn't guarantee the lowest total bill. In Tennessee, State Farm offers the largest discount percentage and also has the lowest combined annual premium at $3,320.
Best Home and Auto Insurance Bundle in Tennessee
| State Farm | 4.79 | $3,320 | 26% |
| Allstate | 4.66 | $3,794 | 12% |
| Progressive | 4.56 | $5,377 | 3% |
| Travelers | 4.44 | $6,972 | 9% |
To learn more about how we rank the top home and auto insurance bundles, see our methodology.
Top 3 Home and Auto Bundle Companies in Tennessee
State Farm leads Tennessee's bundle market on composite score, while Allstate ranks second with a MoneyGeek score of 4.66 out of 5. Progressive rounds out the top three with a score of 4.56 out of 5, bringing competitive coverage options for Tennessee policyholders. Tennessee's tornado and severe storm exposure, especially across western and middle Tennessee and the fast-growing Nashville metro, makes insurer stability and coverage breadth particularly important when choosing a bundle provider.
State Farm
MoneyGeek Rating
4.8/ 5
4.9/5Affordability
4.7/5Customer Experience
4.7/5Coverage Points
Annual Bundle Premium
$3,320Monthly Bundle Premium
$277Bundle Savings
26%
Allstate
MoneyGeek Rating
4.7/ 5
4.6/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Annual Bundle Premium
$3,794Monthly Bundle Premium
$316Bundle Savings
12%
Progressive
MoneyGeek Rating
4.6/ 5
4.2/5Affordability
4.6/5Customer Experience
4.8/5Coverage Points
Annual Bundle Premium
$5,377Monthly Bundle Premium
$448Bundle Savings
3%
Cheapest Home and Auto Bundle in Tennessee
State Farm offers the lowest annual bundled premium in Tennessee at $3,320, making it the most affordable option for policyholders focused on total cost. State Farm also carries the largest bundle discount at 26%, saving policyholders $1,149 per year. This saves on homeowners insurance costs and the average cost of car insurance in Tennessee. Travelers has the second-highest savings despite costing the most of the four providers in the table.
| State Farm | $3,320 | $1,149 |
| Allstate | $3,794 | $496 |
| Progressive | $5,377 | $179 |
| Travelers | $6,972 | $692 |
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 Tennessee
State Farm offers Tennessee's biggest bundle discount at 26%, producing $1,149 in annual savings, also the highest dollar savings among Tennessee bundle providers. A high discount percentage doesn't always mean the lowest total bill, though in Tennessee, State Farm's combined annual premium of $3,320 is also the lowest among ranked providers.
| State Farm | 26% | $1,149 | $3,320 |
| Allstate | 12% | $496 | $3,794 |
| Travelers | 9% | $692 | $6,972 |
| Progressive | 3% | $179 | $5,377 |
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.
FINDING HOME AND AUTO BUNDLE INSURANCE IN TENNESSEE
Tennessee's tornado and severe thunderstorm exposure, particularly across western and middle Tennessee, has led some homeowners insurers to impose restrictions or increased deductibles in high-frequency storm zones. The 2020 Nashville area tornado outbreak increased insurer scrutiny of middle Tennessee risk. All providers in MoneyGeek's analysis are actively writing policies in Tennessee.
How to Get Cheap Home and Auto Bundle Insurance in Tennessee
Tornado and severe thunderstorm activity across western and middle Tennessee is the primary driver of increased home premiums in the state. Rapid population growth in the Nashville metro has also been associated with higher rebuilding costs and rates compared to other parts of the state, making it worth comparing bundled quotes carefully at renewal.
- 1
Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 reduces your annual home premium and your auto comprehensive and collision deductibles if you change liability limits. Before making the switch, confirm you have enough cash reserves to cover the higher out-of-pocket amount after a claim. Besides home insurance, also check that your car insurance requirements still meet Tennessee's minimums if you make changes.
- 2
Try a Telematics Auto Program
Telematics programs track speed, braking and mileage and can lower your auto rate based on how you actually drive. State Farm's Drive Safe & Save program lets you stack those savings on top of your existing bundle discount. Safe drivers in Tennessee can see real reductions at renewal by combining both.
- 3
Add Storm-Resistant Home Features
Tornado and severe thunderstorm exposure, particularly in western and middle Tennessee and the Nashville metro, is the main reason home premiums run high in this state. Storm-resistant roofing, impact-resistant windows and wind mitigation upgrades can qualify you for home insurance discounts from several top Tennessee providers. These credits apply at renewal and stack with your bundle savings.
- 4
Compare Quotes When Your Policy Renews
The rate spread between the cheapest and most expensive bundle providers in Tennessee is $3,652 per year (State Farm at $3,320 versus Travelers at $6,972), meaning a single comparison at renewal can produce real savings compared with car and homeowners insurance. Comparing bundled quotes takes less time than most homeowners expect.
Home and Auto Bundle Insurance in Tennessee: FAQ
Does Tennessee's tornado risk affect home and auto bundle rates?
Yes, Tennessee's tornado and severe thunderstorm exposure, especially in western and middle Tennessee, drives home premiums higher than in many other states, which affects the total cost of a bundled policy
Should I bundle home and auto insurance in Tennessee?
Bundling home and auto insurance in Tennessee can reduce your combined premium and simplify policy management with a single insurer. The top-ranked bundle provider in Tennessee offers a 26% discount, saving policyholders $1,149 per year. Whether bundling makes sense depends on whether the combined rate beats what you'd pay with separate insurers, so comparing both options at renewal is the most reliable way to confirm savings.
Which company has the best bundle in Tennessee for homeowners who want more coverage?
State Farm earned the highest MoneyGeek score of 4.79 out of 5 in Tennessee, reflecting strong performance on both coverage quality and customer satisfaction. Its bundled coverage score accounts for the range of policy features available to Tennessee homeowners, including options relevant to the state's storm exposure. For a full comparison, see MoneyGeek's rankings of the best car insurance in Tennessee.
Can I still get a bundle discount in Tennessee if I have a prior claim?
Most insurers in Tennessee still offer a bundle discount even if you have a prior claim, though a claims history can affect your premium and, in some cases, your eligibility with certain providers. The discount percentage itself is generally applied to the combined policy regardless of claims history, but the base rate you're discounting from will be higher. Comparing quotes from multiple bundle providers after a claim gives you the clearest picture of your actual savings.
What's the difference between a bundle discount and actual bundle savings?
A bundle discount is the percentage reduction applied to your combined premium when you purchase both policies from the same insurer, while actual bundle savings is the dollar amount you keep compared to buying the policies separately. In Tennessee, State Farm offers the largest discount percentage at 26%, and also produces the lowest total annual premium at $3,320. Focusing on total cost rather than discount percentage is the more reliable way to find the best value.
How do I know if my bundle discount is actually saving me money?
The most direct way is to get separate quotes for home and auto from at least two or three insurers and compare the combined total to your bundled rate. If your bundled premium is lower than the sum of the individual quotes, the bundle is producing real savings. MoneyGeek's data on best home and auto insurance bundles can help you benchmark what competitive bundle pricing looks like nationally.
MoneyGeek analyzed 950 quotes across 19 Tennessee ZIP codes using data from Quadrant Information Services, AM Best, J.D. Power and the Tennessee Department of Commerce and Insurance. The Tennessee baseline profile is a 40-year-old with good credit, a clean driving record, a 2021 Toyota Camry, 50/100 auto coverage with a $1,000 deductible and a 2,500-square-foot home built in 2000 with $250,000 dwelling coverage. Figures are averages; actual rates vary by ZIP code, claims history and individual profile. See our auto insurance methodology for full details.
Data updated 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!