State Farm ranks as the best home and auto bundle insurer in Washington with a 4.74 out of 5 MoneyGeek score and an annual bundled premium of $2,689. I analyzed 1,000 quotes across 20 Washington ZIP codes, weighting rankings by affordability, customer satisfaction and coverage quality. State Farm also leads on bundle savings, offering a 21% discount that amounts to $734 per year, the highest of any provider in my analysis.
Best Home and Auto Insurance Bundle in Washington
Updated: May 6, 2026
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Key Takeaways
State Farm is the best home and auto bundle insurer in Washington, earning a 4.74 out of 5 MoneyGeek score and the cheapest annual bundled premium of $2,689.
State Farm also has the biggest bundle discount in Washington at 21%, saving policyholders $734 per year compared to buying policies separately.
A higher discount doesn't guarantee the lowest total bill. Allstate's 16% discount yields a lower annual premium of $2,515 compared to State Farm's $2,689, even though State Farm's discount is larger.
Best Home and Auto Insurance Bundle in Washington
| State Farm | 4.74 | $2,689 | 21% |
| Allstate | 4.71 | $2,515 | 16% |
| Nationwide | 4.46 | $2,909 | 16% |
To learn more about how I rank the top home and auto insurance bundles, see my methodology.
Top 3 Home and Auto Bundle Companies in Washington
The three top-ranked home and auto bundle providers in Washington are State Farm, Allstate and Nationwide. State Farm leads on both MoneyGeek score and bundle savings, while Allstate offers the lowest total annual premium at $2,515. Nationwide rounds out the top three with solid coverage options, though its $2,909 annual premium is the highest of the group. Washington's homeowners market has seen insurer restrictions in wildfire-exposed eastern communities and the Cascades foothills, but all three providers are actively writing policies across both eastern and western Washington.
State Farm
MoneyGeek Rating
4.7/ 5
4.6/5Affordability
4.9/5Customer Experience
4.8/5Coverage
Annual Bundle Premium
$2,689Monthly Bundle Premium
$224Bundle Savings
21%
Allstate
MoneyGeek Rating
4.7/ 5
4.8/5Affordability
4.6/5Customer Experience
4.7/5Coverage
Annual Bundle Premium
$2,515Monthly Bundle Premium
$210Bundle Savings
16%
Nationwide
MoneyGeek Rating
4.5/ 5
4.2/5Affordability
4.6/5Customer Experience
4.7/5Coverage
Annual Bundle Premium
$2,909Monthly Bundle Premium
$242Bundle Savings
16%
Cheapest Home and Auto Bundle in Washington
Allstate has the cheapest home and auto bundle in Washington at $2,515 per year for a 40-year-old with good credit and standard coverage. While State Farm provides the largest bundle discount at 21%, saving policyholders $734 annually, its total premium of $2,689 is $174 more per year than Allstate's. Washington shoppers should compare total premiums rather than discount percentages alone, since a bigger discount percentage does not always produce the lowest total cost for car insurance.
| Allstate | $2,515 | $462 |
| State Farm | $2,689 | $734 |
| Nationwide | $2,909 | $544 |
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 Washington
State Farm, with its biggest bundle discount in Washington at 21%, saved policyholders $734 per year, the largest dollar savings of any provider in my analysis. Nationwide and Allstate both offer 16% discounts, though Allstate's lower base premium means its $462 in annual savings still results in the cheapest total bundle at $2,515 per year. Washington shoppers should compare total premiums rather than discount percentages alone to find the best value for their situation.
| State Farm | 21% | $734 | $2,689 |
| Nationwide | 16% | $544 | $2,909 |
| Allstate | 16% | $462 | $2,515 |
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 WASHINGTON
Wildfire exposure in eastern Washington and the Cascades foothills communities has led some insurers to restrict or exit the homeowners insurance market in affected areas. Washington has a WA FAIR Plan (WFPA), so homeowners can get coverage in this way if unable to through the standard market. All insurers included in my analysis are actively writing in Washington.
How to Get Cheap Home and Auto Insurance Bundle in Washington
Wildfire exposure in eastern Washington and the Cascades foothills has pushed home insurance premiums higher and prompted some insurers to restrict writing in affected areas. Rapid population growth in the Seattle metro has also driven rebuilding costs well above national averages, increasing home insurance costs even for lower-risk western Washington policyholders.
- 1
Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can reduce your annual home insurance premium, and the same logic applies to auto comprehensive and collision deductibles. The tradeoff is that you'll pay more out of pocket after a claim, so this strategy works best if you have sufficient cash reserves to cover the higher deductible. In Washington, where home premiums are increased by wildfire and rebuilding cost pressures, even a modest deductible increase can produce noticeable annual savings.
- 2
Try a Telematics Auto Program
Telematics programs track driving behaviors such as speed, hard braking and mileage and can lower your auto premium based on safe driving habits. State Farm offers Drive Safe & Save and Nationwide offers SmartRide, both available to Washington policyholders and both can generate additional savings that stack on top of your existing bundle discount. If you drive fewer miles than average or have a clean driving record, enrolling in one of these programs at renewal can compound your savings.
- 3
Add Fire-Resistant Home Features
Wildfire risk in eastern Washington and the Cascades foothills is the primary driver of increased home premiums in affected communities, and some insurers offer discounts for fire-resistant upgrades. Installing ember-resistant vents, fire-resistant roofing materials, or maintaining defensible space around your home can qualify for home insurance credits with certain carriers. Western Washington policyholders have lower wildfire exposure but may benefit from wind- and precipitation-resistant improvements instead. These credits can stack with bundle savings at renewal, so confirm eligibility with your insurer before making upgrades.
- 4
Compare Quotes When Your Policy Renews
Washington's top bundle providers range from $2,515 per year (Allstate) to $2,909 per year (Nationwide), a spread of nearly $400 annually for the same coverage profile. Comparing bundled quotes at renewal takes less time than most homeowners expect and can produce real savings, especially if your risk profile has changed, and how much car insurance you need has changed. Compare bundled rates for the best car insurance companies.
Home and Auto Bundle Insurance in Washington: FAQ
Does Washington's wildfire risk affect home and auto bundle availability?
Yes, wildfire exposure in eastern Washington and the Cascades foothills has led some insurers to restrict or exit the homeowners market in those areas, which limits bundle availability. Washington has a FAIR Plan, so homeowners who lose voluntary market access can still get coverage. All three providers in my Washington analysis, State Farm, Allstate and Nationwide, are actively writing across the state, but availability can vary by specific ZIP code in high-risk areas.
Which company has the best bundle in Washington for homeowners in wildfire-risk areas?
State Farm ranks as the best bundle insurer for Washington homeowners in wildfire-risk areas, earning a 4.74 out of 5 MoneyGeek score and maintaining broad statewide availability, including in communities with increased fire exposure. State Farm's annual bundle premium of $2,689 and 21% discount make it a strong value for policyholders who need a carrier that actively writes in affected regions.
Should I bundle home and auto insurance in Washington?
Yes, bundling home and auto insurance in Washington is generally worthwhile. The top providers offer discounts ranging from 16% to 21%, translating to $462 to $734 in annual savings. Even at the lower end, those savings add up over time without requiring any change in coverage.
Can I still get a bundle discount in Washington if my home is in a wildfire zone?
You may be able to, but availability depends on your specific location and insurer. State Farm, Allstate and Nationwide all write policies in Washington including in some higher-risk areas, but individual ZIP codes in eastern Washington or the Cascades foothills may have restrictions or higher premiums that affect the value of bundling. Contact carriers directly or work with an independent agent to confirm availability and pricing for your address before assuming a standard bundle discount applies.
How do I know if my bundle discount is actually saving me money?
The only reliable way to verify savings is to compare the bundled premium against separate standalone quotes for auto and home from the same insurer and from competitors. In Washington, my analysis found that Allstate's $2,515 annual bundle is the cheapest total option, even though its 16% discount is lower than State Farm's 21%, proof that the discount percentage alone does not tell the full story.
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 insure both home and auto with the same carrier, while actual bundle savings is the dollar amount you save compared to buying the policies separately. In Washington, State Farm's 21% discount produces $734 in annual savings, while Allstate's 16% discount produces $462, a lower percentage but still meaningful savings on a lower total premium of $2,515. Focusing on total annual cost rather than discount percentage gives you a clearer picture of which bundle is actually cheaper for your situation.
MoneyGeek analyzed 1,000 quotes across 20 Washington ZIP codes to build the rankings on this page. Data sources include Quadrant Information Services, AM Best, J.D. Power and the Washington Office of the Insurance Commissioner. Figures are averages and actual rates vary by ZIP code, claims history and individual profile.
Learn more about our auto insurance methodology.
MoneyGeek updates this page annually with new rate data from Quadrant Information Services. The current data reflects 2026 quotes collected across 20 Washington ZIP codes. Rates shown are averages for a 40-year-old with good credit, a clean driving record, $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Individual rates will vary based on location, claims history 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!