Vermont's expensive insurance market makes finding affordable home and auto bundles essential. State Farm leads the field, earning MoneyGeek's top score of 98 out of 100 while also offering the lowest annual premium at $1,498 and the biggest bundle discount at 26%. MoneyGeek's rankings weigh affordability, customer satisfaction and coverage quality, with extra emphasis on savings given the Green Mountain State's high insurance costs.
Best Cheap Home and Auto Bundle Insurance in Vermont
Updated: April 2, 2026
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Key Takeaways
State Farm earns the highest home and auto bundle score in Vermont, 98 out of 100, per MoneyGeek's analysis. Read more.
State Farm offers Vermont's largest bundle discount at 26%, saving policyholders $515 per year. Read more.
At $1,498 per year, State Farm offers the most affordable home and auto bundle in Vermont. Read more.
Best Home and Auto Bundle Insurance in Vermont
| Best Overall | State Farm | $1,498 | 4.9 |
| Runner-Up | Allstate | $1,602 | 4.4 |
Best Home and Auto Bundle Companies in Vermont
State Farm leads Vermont's home and auto bundle rankings with a MoneyGeek score of 98 out of 100, an extensive local agent network and its Drive Safe & Save program that rewards safe driving. Allstate follows at 88 out of 100, with Drivewise telematics and new car replacement coverage. Both insurers earn strong customer satisfaction ratings from J.D. Power.
State Farm: Best Overall in Vermont
pros
Drive Safe & Save rewards safe drivers with discounts on top of standard bundle savings
State Farm leads Vermont's bundle rankings with a 98 out of 100 MoneyGeek score
Bundling saves policyholders $515 per year, a 26% discount
An extensive local agent network across Vermont provides personalized service and in-person support for policy questions and claims
cons
Auto coverage options rank second among Vermont's two bundle providers in MoneyGeek's analysis
Home insurance policies are issued through affiliate companies rather than State Farm directly
COMPANY HIGHLIGHTS
At $1,498 per year, State Farm earns Vermont's top home and auto bundle score, 98 out of 100 (4.9 stars) per MoneyGeek's analysis. Bundling saves policyholders $515 per year, a 26% discount over separate policies.
State Farm's Drive Safe & Save program uses telematics to reward safe drivers with additional discounts on top of bundle savings, which is useful given Vermont's rural roads and winter driving conditions. Home policies include equipment breakdown coverage and identity restoration services, both less common in Vermont's market. State Farm writes home and auto policies directly, which simplifies the claims process.
State Farm's mobile app lets bundled customers manage both policies, file claims with photo uploads and track repair progress in real time.
Allstate: Runner-Up Bundle in Vermont
pros
Offers top-ranked auto coverage among Vermont bundle providers
Policyholders save $410 per year through a 20% bundle discount
Ranks second in Vermont's bundle market with a MoneyGeek score of 88 out of 100
Drivewise rewards safe drivers with discounts on top of standard bundle savings
cons
At $1,602 per year, Allstate's bundled rate is the more expensive option among Vermont's two bundle providers
Trails State Farm's score of 98 by 10 points in MoneyGeek's Vermont ranking
Home customer experience score ranks below State Farm's in MoneyGeek's analysis
COMPANY HIGHLIGHTS
At $1,602 per year, Allstate ranks second among Vermont's home and auto bundle providers with a MoneyGeek score of 88 out of 100 (4.4 stars). Policyholders save $410 per year through a 20% bundle discount.
Allstate's auto coverage ranks first among Vermont bundle providers. Its Drivewise program uses smartphone technology to track driving behavior and reward safe drivers with additional discounts. Allstate also offers Milewise, a pay-per-mile option that works well for low-mileage drivers in Vermont's rural areas. Home policies cover Vermont-specific risks, such as ice-dam damage, and are written directly through Allstate Property and Casualty.
The Allstate mobile app lets bundled customers manage both policies, file claims and access roadside assistance from a single platform.
Cheapest Home and Auto Bundle in Vermont
State Farm offers the most affordable home and auto bundle in Vermont at $1,498 per year, earning a 98 out of 100 MoneyGeek score. It also offers the largest bundle discount at 26%, saving policyholders $515 per year. Allstate charges $1,602 per year for comparable coverage, $104 more annually. Vermont residents who want low cost and strong coverage quality won't need to trade one for the other with State Farm.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| State Farm | $1,498 | $515 |
| Allstate | $1,602 | $410 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
Companies Offering the Biggest Bundle Discount in Vermont
State Farm leads Vermont's bundle discount rankings with both the largest discount and the lowest rate. Its 26% bundle discount saves policyholders $515 per year, bringing the total premium to $1,498. Allstate offers a 20% discount that saves policyholders $410 per year, with a bundled rate of $1,602. Vermont's two major bundle providers are $104 apart on annual premiums, so the discount percentage and total cost are both worth comparing.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| State Farm | 26% | $515 | $1,498 |
| Allstate | 20% | $410 | $1,602 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
How to Get Cheap Home and Auto Bundle Insurance in Vermont
Vermont bundle rates run lower than most states, partly because of lower population density and fewer weather-related claims. You can reduce costs further by adjusting coverage levels and using available discounts.
Choose a higher deductible
A higher deductible lowers your premium by shifting more of the financial risk to you. Moving from a $500 to a $1,000 deductible cuts costs, but you'll pay more out of pocket if you file a claim. Have adequate savings set aside before choosing this option.
Use a driving discount program
State Farm's Drive Safe & Save and Progressive's Snapshot track your driving through smartphone apps or plug-in devices. Safe drivers earn discounts for smooth braking, controlled speeds and limited night driving. Those savings stack with your bundle discount.
Upgrade your home's storm protection
Wind-resistant roofing, storm shutters and updated heating systems may qualify for premium discounts given Vermont's winter weather conditions. These upgrades reduce your insurer's risk and lower your rates, and the savings stack with your bundle discount.
Keep your credit score strong
Vermont allows insurers to use credit-based insurance scoring for both home and auto policies. Good credit helps you qualify for lower premiums at renewal. Pay bills on time and keep credit utilization low to protect your rates.
Home and Auto Bundle Insurance in Vermont: FAQ
Do Vermont's regional risks affect bundle insurance rates?
Yes, Vermont's winter weather directly affects rates. Severe winter storms are the leading driver of higher home insurance premiums in the state, as heavy snow loads and ice damage create substantial claim costs for insurers. Those higher home insurance premiums raise the overall cost of a home and auto bundle. Insurers assess roof load ratings, heating system reliability and freeze protection measures when pricing Vermont policies. Installing roof reinforcement and pipe insulation can help offset premium increases.
Which company has the best bundle in Vermont for homeowners who want more coverage?
State Farm earns the top Vermont bundle score for coverage-focused homeowners at 98 out of 100 per MoneyGeek. It offers add-ons like equipment breakdown protection for appliances, service line coverage for underground utilities and extended replacement cost above standard policy limits. Those features are less common in Vermont's market, which gives State Farm an advantage for homeowners who want broader protection.
Should I bundle home and auto insurance in Vermont?
Yes. Every provider in MoneyGeek's Vermont analysis saves policyholders money through bundling, and Vermont's above-average insurance costs make combining policies one of the better ways to cut your annual bill. Bundling also gives you one insurer, one renewal date and one contact for claims and questions. Compare bundled rates against separate quotes before committing to confirm the discount is worth it for your situation.
Best Cheap Home and Auto Bundle Insurance in Vermont: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the Vermont Department of Financial Regulation, Quadrant Information Services, AM Best and J.D. Power. These premiums are averages; actual rates vary by ZIP code, claims history and individual profile.
- MoneyGeek score: Factors in affordability, customer satisfaction ratings from AM Best and J.D. Power, and coverage quality
- Baseline driver: 40-year-old with good credit, 2021 Toyota Camry, 50/100 full coverage with $1,000 deductible
- Baseline home: $250,000 dwelling, $125,000 personal property, $200,000 liability
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.