Best Washington, D.C. Home and Auto Bundle Insurance Companies (2024)

MoneyGeek’s top pick for the best home and auto insurance in Washington, D.C. is State Farm. Based on our analysis, State Farm provides the most affordable rates, discounts and responsive customer service compared with other companies.

• State Farm: MoneyGeek score of 80 out of 100
• Allstate: MoneyGeek score of 70 out of 100

The second-best option, Allstate, offers a slightly more expensive bundle premium than State Farm. According to MoneyGeek’s data, Allstate offers fewer car insurance discounts and received slightly lower satisfaction scores than State Farm.

In Washington, D.C, you’ll receive an average discount of 11% for bundling home and auto insurance, as opposed to purchasing separate policies from different providers. MoneyGeek found that State Farm offered the highest savings percentage at 18%, whereas Allstate, in comparison, offered a discount of only 3%.

However, the bundle insurance with the highest discount isn’t necessarily the cheapest. However, in this case, the cheapest home and auto insurance in Washington, D.C., State Farm, also offers the highest discount.

Based on MoneyGeek’s research, State Farm offers the most affordable home and auto bundles in Washington, D.C. regardless of discounts.

• State Farm: $2,133 per year
• Allstate: $2,289 per year

Keep in mind that the cheapest solution may not always be the best purchase. For greater peace of mind, we advise our readers to carefully consider the advantages, disadvantages and coverage options of each provider before making a final decision.

Sometimes, it’s possible to save even more by pairing policies from two different companies. For instance, the most affordable non-bundle insurance combination for home and auto insurance in Washington D.C. is State Farm’s auto insurance ($1,268) and Allstate’s home insurance ($799). This yields an annual premium of $2,067, which is slightly less expensive than the cheapest bundle option, offered by State Farm for $2,133 per year.

Bundling home and auto insurance in your state is typically recommended for cost savings and convenience, but it may not always be the best fit for your coverage needs. Purchasing insurance from different companies allows you greater flexibility to choose your coverage and may even be less expensive.