State Farm leads Virginia's home and auto bundle market with a MoneyGeek score of 96 out of 100 and the largest discount available at 24%. Mercury is the most affordable option at $2,591 per year. MoneyGeek's rankings weigh affordability, customer satisfaction and coverage quality, with extra weight on savings. Virginia is one of the more expensive insurance markets in the country.
Best Cheap Home and Auto Bundle Insurance in Virginia
Updated: April 5, 2026
Advertising & Editorial Disclosure
Key Takeaways
State Farm earns the highest MoneyGeek score of 96 out of 100 for home and auto bundles in Virginia. Read more.
Virginia residents can save $894 annually with State Farm's 24% bundle discount, the largest available in the state. Read more.
Mercury provides the most affordable home and auto bundle for $2,591 per year in Virginia. Read more.
Best Home and Auto Bundle Insurance in Virginia
| Best Overall | State Farm | $2,801 | 4.8 |
| Runner-Up | Farmers | $4,050 | 4.8 |
| Cheapest Bundle | Mercury Insurance | $2,591 | 4.6 |
| Biggest Discount | State Farm | $2,801 | 4.8 |
Best Home and Auto Bundle Companies in Virginia
Virginia's two top-rated home and auto bundle providers are State Farm (96 out of 100) and Farmers (95 out of 100). State Farm's agent network across the state and multi-policy discounts give it a slight edge. Farmers counters with its Signal app for claims management and flexible coverage options that work well for drivers who prefer managing policies digitally.
State Farm: Best Overall in Virginia
pros
Drive Safe & Save rewards safe driving with discounts beyond standard bundle savings
Highest MoneyGeek score in Virginia: 96 out of 100
Bundling saves policyholders $894 per year, a 24% discount
Home coverage includes equipment breakdown and service line protection, add-ons most Virginia providers don't offer as standard
cons
State Farm's auto coverage options rank last among the six Virginia providers analyzed
At $2,801 per year, its bundled premium is one of the higher-cost options among top-rated Virginia providers
Several competitors offer broader auto coverage add-ons not available through State Farm's standard policies
COMPANY HIGHLIGHTS
State Farm's Virginia home and auto bundle costs $2,801 per year and earns a MoneyGeek score of 96 out of 100 (4.8 out of five stars). Bundling saves policyholders $894 per year, a 24% discount over buying policies separately.
Home policies include extended replacement cost and additional living expense coverage, two add-ons that go beyond most standard Virginia policies. State Farm's Drive Safe & Save telematics program rewards safe driving with auto discounts on top of bundle savings, up to 30% off for low-risk drivers.
Through the State Farm mobile app, Virginia customers can file claims, make payments and access roadside assistance around the clock. Local agents are available statewide for in-person help.
Farmers: Runner-Up Bundle in Virginia
pros
Auto coverage options rank first among Virginia bundle providers, including accident forgiveness and new car replacement coverage
Runner-up bundle provider in Virginia with a MoneyGeek score of 95 out of 100
Policyholders save $835 per year by bundling home and auto with Farmers at a 17% discount
Home insurance customer service ranks second in Virginia with dedicated claim representatives and 24/7 claim reporting
cons
Auto customer satisfaction ranks last among the six Virginia providers analyzed
Farmers home insurance policies in Virginia are underwritten through affiliates, not directly by Farmers
The mobile app and digital tools lag behind State Farm and GEICO in user experience ratings
COMPANY HIGHLIGHTS
Farmers' Virginia home and auto bundle costs $4,050 per year and earns a MoneyGeek score of 95 out of 100 (4.8 out of five stars). Policyholders save $835 per year through a 17% bundle discount, one point behind State Farm's top ranking.
Farmers ranks first among Virginia providers for auto coverage options. Its Signal telematics program rewards safe driving with additional discounts beyond bundle savings. Home policies include coverage for detached structures and personal property replacement cost, underwritten through Farmers' own carriers rather than third-party affiliates.
Policyholders can file claims, view policy documents and manage payments through the Farmers mobile app or 24/7 claims line, useful for managing both home and auto in one place.
Cheapest Home and Auto Bundle in Virginia
Mercury offers Virginia's cheapest home and auto bundle at $2,591 per year, lower than State Farm's $2,801, even though State Farm's 24% bundle discount is the largest in the state and saves policyholders $894 annually. A bigger discount doesn't always mean a lower total bill. Shoppers who want strong coverage alongside competitive pricing will find State Farm's 96 out of 100 score hard to beat, even at the higher premium.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| 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 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 Virginia
State Farm offers Virginia's biggest bundle discount at 24%, saving policyholders $894 per year. Farmers ranks second with a 17% discount, worth $835 annually. The largest discount doesn't guarantee the lowest premium. State Farm's $2,801 bundle still costs more than Mercury's $2,591.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| 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 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 Virginia
Virginia's insurance costs run above the national average, largely because of coastal storm exposure. Adjusting coverage levels and stacking discounts can offset those higher rates. These strategies work well for Virginia homeowners:
Choose a higher deductible
Raising your home deductible from $500 to $1,000 cuts your premium. You'll pay more out of pocket after a claim, so have enough in savings before making the switch.
Use a driving discount program
State Farm's Drive Safe & Save, Progressive's Snapshot and GEICO's DriveEasy all track driving habits and reward safe drivers with discounts. They can cut your auto premium by up to 30% and stack on top of your bundle discount.
Add storm-resistant home features
Impact-resistant roofing, storm shutters and wind-resistant garage doors qualify for premium discounts in Virginia, where hurricane and severe weather risk is high. These upgrades stack with bundle savings and reduce the frequency of your claims.
Keep your credit score strong
Virginia allows insurers to use credit-based insurance scores for both home and auto policies. Good credit can lower your premiums at renewal; insurers treat higher scores as a sign of lower risk.
Home and Auto Bundle Insurance in Virginia: FAQ
Do Virginia's regional risks affect bundle insurance rates?
Yes. Virginia's hurricane exposure drives high home insurance premiums, which pushes bundle costs up; home coverage is the larger portion of a combined policy. Insurers look at coastal proximity, wind zone classifications and flood risk when pricing Virginia properties. Norfolk, Virginia Beach and other Tidewater ZIP codes pay the steepest rates because of storm surge vulnerability. Installing hurricane straps and impact-resistant roofing can offset premium increases in those areas.
Which company has the best bundle in Virginia for homeowners who want more coverage?
State Farm earns the top coverage score in Virginia at 96 out of 100. It offers equipment breakdown protection for appliances, service line coverage for utility connections and extended replacement cost; all three go beyond what most standard Virginia policies include. Few other insurers in the state offer all of these, which gives State Farm a clear edge for homeowners who want more than basic coverage.
Should I bundle home and auto insurance in Virginia?
Yes. Every provider in MoneyGeek's Virginia analysis saves policyholders money through bundling, a worthwhile move if you already need both home and auto coverage. Given Virginia's above-average insurance costs, those savings add up. Bundling also means one insurer, one renewal date and one point of contact. Always compare bundled rates against separate quotes before committing.
Best Cheap Home and Auto Bundle Insurance in Virginia: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the Virginia Bureau of Insurance, 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 driver with good credit, driving a 2021 Toyota Camry; 50/100 full coverage, $1,000 deductible
- Baseline home: $250,000 in dwelling coverage, $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.