State Farm's MoneyGeek score of 4.80 out of 5 is the highest among Virginia insurers, with an annual home and auto bundled premium of $2,801. I analyzed 1,200 quotes across 20 Virginia ZIP codes, weighing affordability, customer satisfaction and coverage quality to build these rankings. State Farm has the largest bundle discount in Virginia at 24%, producing $894 in annual savings
Best Home and Auto Insurance Bundle in Virginia
Updated: May 6, 2026
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Key Takeaways
State Farm earned the top MoneyGeek score of 4.80 out of 5 for home and auto bundle insurance in Virginia, with the cheapest annual bundled rate of $2,801.
State Farm has the largest bundle discount in Virginia at 24%, saving policyholders $894 per year.
A bigger bundle discount doesn't guarantee the lowest total bill. In Virginia, State Farm comes at a 24% discount but charges $2,801 annually, while Mercury costs $2,591 per year with a smaller discount.
Best Home and Auto Insurance Bundle in Virginia
| State Farm | 4.8 | $2,801 | 24% |
| Farmers | 4.76 | $4,050 | 17% |
| Allstate | 4.7 | $3,234 | 12% |
| Progressive | 4.67 | $4,171 | 6% |
| Mercury Insurance | 4.63 | $2,591 | 14% |
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 Virginia
At the top is State Farm for Virginia's bundle rankings on composite score, while Farmers offers a strong discount percentage in the state. Allstate rounds out the top three, bringing strong coverage options and a solid customer satisfaction record. Virginia's market presents two distinct risk profiles: hurricane and storm surge exposure along Virginia Beach and Hampton Roads, and nor'easter and winter storm risk in northern and mountain communities, which shapes how these providers price and structure their bundles.
State Farm
MoneyGeek Rating
4.8/ 5
4.9/5Affordability
3.9/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$2,801Monthly Bundle Premium
$233Bundle Savings
24%
Farmers
MoneyGeek Rating
4.8/ 5
4.5/5Affordability
4.7/5Customer Experience
4.8/5Coverage
Annual Bundle Premium
$4,050Monthly Bundle Premium
$338Bundle Savings
17%
Allstate
MoneyGeek Rating
4.7/ 5
4.6/5Affordability
4.7/5Customer Experience
4.7/5Coverage
Annual Bundle Premium
$3,234Monthly Bundle Premium
$270Bundle Savings
12%
Cheapest Home and Auto Bundle in Virginia
Mercury has the lowest annual bundled rate in Virginia at $2,591. State Farm carries the largest bundle discount at 24%, saving policyholders $894 per year, but its total annual premium of $2,801 is higher than Mercury's rate. Compare bundled rates with homeowners insurance and the average car insurance costs in Virginia to see how much you can save.
| Mercury Insurance | $2,591 | $417 |
| State Farm | $2,801 | $894 |
| Allstate | $3,234 | $421 |
| Farmers | $4,050 | $835 |
| Progressive | $4,171 | $282 |
| Travelers | $8,838 | $943 |
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 Virginia
At 24%, State Farm's largest bundle discount in Virginia produces $894 in annual savings. According to Quadrant Information Services data, Travelers offers approximately $943 per year in dollar savings, though its high base premium means total bundled cost remains increased. A high discount percentage doesn't always translate to the lowest total bill: State Farm's 24% discount still leaves its annual premium at $2,801, compared to $2,591 from Mercury.
| State Farm | 24% | $894 | $2,801 |
| Farmers | 17% | $835 | $4,050 |
| Mercury Insurance | 14% | $417 | $2,591 |
| Allstate | 12% | $421 | $3,234 |
| Travelers | 10% | $943 | $8,838 |
| Progressive | 6% | $282 | $4,171 |
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 INSURANCE BUNDLE IN VIRGINIA
Virginia Beach, Hampton Roads and the Eastern Shore have substantial hurricane and storm surge risk. Some insurers impose restrictions or increased deductibles for coastal properties, particularly following major storm events. Flood coverage is excluded from standard homeowners policies in Virginia and requires a separate NFIP or private flood policy, which is a relevant gap for coastal and tidal river policyholders. All providers in MoneyGeek's analysis are actively writing in Virginia. If you own a coastal property, review your policy terms carefully and consider a separate flood policy.
How to Get Cheap Home and Auto Bundle Insurance in Virginia
Virginia policyholders can reduce their bundled insurance costs by comparing quotes at renewal, raising deductibles, enrolling in telematics programs, making storm-resistant home improvements and maintaining a clean driving and claims record. Coastal hurricane exposure in Hampton Roads and Virginia Beach drives increased home premiums, while high property values in Northern Virginia push rebuilding costs above state averages. Taking targeted steps before your policy renews can produce relevant savings across both policies.
- 1
Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 lowers your annual home premium, sometimes by a relevant amount. The same logic applies to your auto comprehensive and collision deductibles. Before switching, make sure you have enough cash reserves to cover the higher out-of-pocket cost if you file a claim.
- 2
Try a Telematics Auto Program
Telematics programs track your speed, braking and mileage and can lower your auto rate based on actual driving behavior. Progressive's Snapshot is a program available to Virginia drivers through top-ranked providers on this page. Savings from telematics stack on top of your existing bundle discount, so the two benefits compound.
- 3
Protect Your Home Against Coastal Storms and Winter Weather
Virginia has two distinct home insurance risk profiles: hurricane and storm surge exposure along the Virginia Beach and Hampton Roads coast and nor'easter and winter storm risk in northern and mountain communities. Storm-resistant roofing, reinforced windows and wind mitigation improvements can qualify coastal policyholders for home insurance discounts. Winter weatherproofing improvements qualify for discounts in inland and mountain communities. Ask your insurer which specific improvements qualify under your policy.
- 4
Compare Quotes When Your Policy Renews
The spread between Virginia's cheapest and most expensive bundled providers in MoneyGeek's analysis is $6,247 per year. Comparing bundled quotes at renewal takes less time than most homeowners expect. Reviewing your options annually by checking for the best car insurance companies and best homeowners insurance, and comparing with bundled options can help you find real savings.
- 5
Maintain a Clean Driving and Claims Record
Both your auto and home insurance premiums are influenced by your claims and driving history. Avoiding at-fault accidents and unnecessary small claims keeps your base rates lower, which amplifies the value of your bundle discount. If you do file a claim, ask your insurer whether a claims-free discount or accident forgiveness endorsement applies to your policy.
Home and Auto Insurance Bundle in Virginia: FAQ
Does Virginia's coastal hurricane exposure affect home and auto bundle rates?
Coastal hurricane and storm surge exposure in Hampton Roads and Virginia Beach drives higher home insurance premiums, which flows through to bundled rates. MoneyGeek's Virginia analysis shows that policyholders in coastal ZIP codes pay more for home coverage than those inland, and some insurers apply increased wind or hurricane deductibles in those areas. Comparing bundled quotes from multiple providers is especially important if you own a coastal property.
Should I bundle home and auto insurance in Virginia?
Bundling home and auto insurance in Virginia saves most policyholders money, and the top-ranked provider in MoneyGeek's analysis offers a 24% discount worth $894 per year. Beyond savings, bundling simplifies policy management by consolidating billing and claims with one insurer. Review the total bundled premium, not just the discount percentage and compare with the best homeowners and best car insurance in Virginia.
Which company has the best bundle in Virginia for homeowners who want more coverage?
State Farm earned the highest MoneyGeek score in Virginia at 4.80 out of 5, reflecting strong performance across affordability, customer satisfaction and coverage quality. Homeowners who prioritize coverage breadth should review each provider's add-on options, particularly for Virginia-specific risks like coastal wind, storm surge and flood. Flood coverage requires a separate NFIP or private policy regardless of which insurer you choose.
Can I still get a bundle discount in Virginia if I have a prior claim?
Most Virginia insurers offer bundle discounts regardless of claims history, though a prior claim may affect your base premium. The bundle discount applies as a percentage reduction on top of whatever rate the insurer quotes for your profile. Understanding how much car insurance you need can also help you find coverage without overpaying. Comparing bundled quotes from multiple providers after a claim gives you the clearest picture of your actual cost.
What's the difference between a bundle discount and actual bundle savings?
A bundle discount is the percentage reduction an insurer applies when you hold both policies with it. Actual bundle savings is the dollar amount you save compared to buying the two policies separately. A provider with a large discount percentage can still cost more in total than a provider with a smaller discount if its base premiums are higher. Always compare annual bundle premiums side by side, not just the discount percentage.
How do I know if my bundle discount is actually saving me money?
Get separate quotes for your home and auto policies from at least two providers, then compare the combined standalone total against the bundled rate. If the bundled premium is lower than the sum of the separate quotes, it is saving you money. MoneyGeek's Virginia analysis found a spread of $6,247 between the cheapest and most expensive bundled options, so the difference is real and worth checking at each renewal.
MoneyGeek analyzed 1,200 quotes across 20 Virginia ZIP codes. Data sources include Quadrant Information Services, AM Best, J.D. Power and the Virginia Bureau of Insurance. Figures are averages; actual rates vary by ZIP code, claims history and individual profile. Learn more in our auto insurance methodology.
MoneyGeek's Virginia home and auto bundle rankings are based on 2026 rate data collected from Quadrant Information Services. Scores and premiums reflect quotes gathered in 2026 and are updated annually. Individual rates may vary based on ZIP code, claims history, credit tier and coverage selections.
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!