State Farm ranks as Vermont's best home and auto bundle insurer with a 4.88 out of 5 MoneyGeek score and an annual bundled premium of $1,498. I analyzed 150 quotes across three Vermont ZIP codes, weighing affordability, customer satisfaction and coverage quality to identify the top providers. State Farm also leads in savings, offering a 26% bundle discount worth $515 per year. Vermont's small insurance market means fewer carriers compete for bundled policies, making it especially important to compare available options.
Best Home and Auto Insurance Bundle in Vermont
Updated: May 7, 2026
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Key Takeaways
State Farm is Vermont's best home and auto bundle insurer with a 4.88 out of 5 MoneyGeek score, as well as the cheapest annual bundled premium of $1,498.
State Farm also has the biggest bundle discount at 26%, making $515 in annual savings compared to buying policies separately.
State Farm offers both the highest discount (26%) and the lowest bundled premium ($1,498), compared to Allstate's 20% discount and $1,602 annual rate.
Best Home and Auto Insurance Bundle in Vermont
| State Farm | 4.88 | $1,498 | 26% |
| Allstate | 4.38 | $1,602 | 20% |
To learn more about how we rank the top home and auto insurance bundles, see our methodology.
Top Home and Auto Bundle Companies in Vermont
Vermont's bundled insurance market is served by just two carriers in my analysis: State Farm and Allstate. State Farm leads on both price and score, offering the lowest annual bundled rate at $1,498 and the highest discount at 26%. Allstate brings stronger coverage scores, particularly for auto, making it a viable alternative for drivers who prioritize policy breadth. Vermont's rural geography, limited carrier competition and exposure to nor'easters and winter flooding explain why the market remains concentrated among a small number of national insurers.
State Farm
MoneyGeek Rating
4.9/ 5
5/5Affordability
3.9/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$1,498Monthly Bundle Premium
$125Bundle Savings
26%
Allstate
MoneyGeek Rating
4.4/ 5
2.8/5Affordability
3.5/5Customer Experience
3.8/5Coverage
Annual Bundle Premium
$1,602Monthly Bundle Premium
$134Bundle Savings
20%
Cheapest Home and Auto Bundle in Vermont
State Farm offers Vermont's cheapest bundled home and auto premium at $1,498 per year ($125/month). State Farm also offers the largest bundle discount at 26%, saving policyholders $515 annually on the cost of car insurance and home insurance. In Vermont's two-carrier market, the highest-discount provider and the cheapest provider are the same. The gap between the two options is meaningful: Allstate's 20% discount still leaves its total annual bundled rate at $1,602, which is $104 more per year than State Farm's despite a smaller discount.
| State Farm | $1,498 | $515 |
| Allstate | $1,602 | $410 |
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 Vermont
State Farm offers Vermont's highest bundle discount at 26%, which also produces the greatest dollar savings at $515 per year. In Vermont's two-carrier market, the same provider leads on both metrics. Allstate's 20% discount saves $410 annually but results in a higher total bundled premium of $1,602. This is a reminder that a lower discount percentage doesn't always mean less savings in dollar terms, and that total premium is the more meaningful number to compare.
| State Farm | 26% | $515 | $1,498 |
| Allstate | 20% | $410 | $1,602 |
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 VERMONT
Vermont's insurance market is small, with only a handful of national carriers actively writing bundled home and auto policies in the state. This limited competition means fewer quotes to compare, so it's especially important to evaluate both carriers available in my analysis. Both State Farm and Allstate are actively writing policies in Vermont.
Vermont river valley communities also have increased flood risk from nor'easter-driven storm events. Flood damage is not covered by standard home insurance policies and requires a separate flood policy through the National Flood Insurance Program or a private insurer.
How to Get Cheap Home and Auto Bundle Insurance in Vermont
Vermont homeowners pay above-average home insurance costs driven by nor'easter and winter storm exposure. Ice dams, heavy snow loads and frozen pipe damage push premiums higher than the national average. Rural geography compounds this: remote access limits labor supply and drives up rebuilding costs when claims occur.
- 1
Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can lower your annual home premium noticeably, and the same logic applies to your auto comprehensive and collision deductibles. Before making the switch, confirm you have enough in savings to cover the higher out-of-pocket amount if you need to file a claim. In Vermont, where winter storm claims can arrive suddenly, having that cash reserve in place is especially important.
- 2
Try a Telematics Auto Program
Telematics programs track your driving habits (speed, braking and mileage) and can lower your auto premium if your driving record supports it. State Farm offers Drive Safe & Save, which can produce real discounts for low-mileage or safe drivers in Vermont. These savings stack directly on top of your existing bundle discount, making them one of the most efficient ways to reduce your total bundled cost.
- 3
Winterize and Protect Against Nor'easters and Flooding
Nor'easter and winter storm exposure is the primary driver of increased home insurance premiums in Vermont. Ice dams, heavy snow loads and frozen pipe damage are the most common sources of home claims in the state. River valley flooding from storm-driven events is an additional risk. Note that flood damage requires a separate flood insurance policy and is not covered by standard home insurance. Pipe insulation, reinforced roofing, storm windows and winter weatherproofing improvements can qualify you for home insurance discounts with both State Farm and Allstate. Contact your agent to confirm which improvements are eligible.
- 4
Compare Quotes When Your Policy Renews
Vermont's bundled market currently spans a $104 annual gap between the cheapest option (State Farm at $1,498) and the alternative (Allstate at $1,602). Comparing quotes at renewal takes less time than most homeowners expect and can confirm whether you're still on the best rate for your profile. Rates can shift year over year based on claims history, credit changes and insurer pricing updates, so an annual review is worth the effort.
Home and Auto Bundle Insurance in Vermont: FAQ
Does Vermont's harsh winter climate and small insurance market affect home and auto bundle rates?
Yes. Vermont's exposure to nor'easters, ice dams and winter flooding pushes home insurance premiums above national averages, which in turn raises bundled rates. The state's small market, with only two carriers in my Vermont analysis, also limits competition and reduces the range of bundled options available to shoppers.
Should I bundle home and auto insurance in Vermont?
Bundling is almost always worth it in Vermont. Both State Farm and Allstate offer substantial discounts, with State Farm saving policyholders $515 per year and Allstate saving $410. Beyond the discount, managing a single insurer relationship simplifies billing, claims and renewals. The key is to confirm the bundled total is actually lower than buying separate policies from different carriers.
Which company has the best bundle in Vermont for homeowners who want more coverage?
Allstate has the highest bundled coverage score in Vermont at 3.82 out of 5, reflecting broader auto and home policy options than State Farm. If coverage breadth matters more to you than the lowest premium, Allstate is the stronger choice, though its annual bundled rate of $1,602 is $104 more than State Farm's $1,498.
What's the difference between a bundle discount and actual bundle savings?
A bundle discount is the percentage reduction applied to your combined premiums when you buy both policies from the same insurer. For example, State Farm's 26% discount in Vermont translates to actual bundle savings of $515 per year compared to buying the same policies separately. A higher discount percentage doesn't always mean more dollar savings if the base premiums are different, so comparing the total bundled premium across carriers is the most reliable measure.
Can I still get a bundle discount in Vermont if I have a prior claim?
Yes. Bundle discounts are typically applied based on the combination of policies, not your claims history. A prior claim can raise your underlying home or auto premium, which means the total bundled rate may be higher even with the discount applied. Both State Farm and Allstate offer bundle discounts regardless of claims history, but your individual rate will reflect your full risk profile. Comparing quotes from both carriers after a claim is the best way to find the lowest bundled total.
MoneyGeek analyzed 150 quotes across three Vermont ZIP codes to rank the best home and auto bundle insurance providers. Data sources include Quadrant Information Services, AM Best, J.D. Power and the Vermont Department of Financial Regulation. Figures are averages. Actual rates vary by ZIP code, claims history and individual profile. Learn more about our auto insurance methodology.
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!