Updated: October 26, 2025
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State Farm offers the best value with the cheapest bundle at $2,559 annually and the highest discount at 25%, saving customers $847 compared to other providers.
Bundling typically saves money, but not always. While bundles average $542 in annual savings, separate policies from different insurers sometimes cost less, so it’s smart to compare auto insurance and home insurance quotes before deciding.
The best choice varies by location and situation. USAA excels for military families, while insurers like Farmers and Allstate offer better rates in specific states.
State Farm, Allstate and USAA offer the best home and auto bundle policies. The rankings consider the best auto insurance, the best home insurance scores and the savings from bundling compared to purchasing separate policies.
State Farm stands out for affordability, costing about $2,559 per year for full coverage. Before choosing a bundle, use an online car insurance calculator to compare costs and see how much you could save with different coverage levels.
| USAA | 73 | 4 | 5 | $2,681 |
| State Farm | 64 | 3 | 4 | $2,559 |
| Travelers | 64 | 4 | 4 | $5,285 |
| Nationwide | 62 | 3 | 4 | $3,470 |
| Allstate | 61 | 3 | 4 | $3,147 |
| Farmers | 58 | 3 | 4 | $3,640 |
State Farm offers the cheapest auto insurance and home bundle at $2,559 annually. It also provides a 25% discount when you combine policies — the biggest discount among major insurers. This saves customers about $847 per year compared to buying separate policies, making State Farm much cheaper than competitors for most homeowners.
Before bundling, it helps to review how much car insurance you need, since your coverage levels will affect your total savings.
Our Experience With State Farm's Home and Auto Bundle
State Farm's bundles are easy to manage through its app or website. Its local agents are helpful when you need to adjust both policies or have questions. If your home and car are damaged in the same event (like a storm), you pay only one deductible instead of two, which could save you thousands when you need it most.
What Customers Say About State Farm's Bundles
State Farm Coverages and Discount Offerings
State Farm's Car Insurance Offerings:
State Farm's Home Insurance Offerings:
State Farm's Discount Offerings:
Home Insurance
Car Insurance
Travelers offers home and auto insurance bundles at an average annual cost of $5,285. While this makes it the most expensive provider in our comparison, it provides an 11% discount when bundling policies, which helps offset some of the cost.
Although its bundle price is higher than the average cost of car insurance alone, Travelers offers broader protection for those who want complete coverage for both their home and vehicle. It’s best suited for customers who prioritize extensive options over the lowest price.
Our Experience With Travelers' Home and Auto Bundle
Travelers has an impressive range of coverage add-ons across both policies. Its bundle interface makes it easy to see how your coverages complement each other. Its comprehensive package options let you customize protection beyond standard policies, though you'll pay more for this flexibility than more budget-friendly insurers.
What Customers Say About Travelers' Bundles
Travelers Coverages and Discount Offerings
Travelers' Car Insurance Offerings:
Travelers' Home Insurance Offerings:
Travelers' Discount Offerings:
Home Insurance
Car Insurance
USAA offers home and auto insurance bundles at an average annual cost of $2,681. Its 8% bundling discount is smaller than some competitors, but its already competitive base rates make the combined price very affordable, especially for military families. USAA ranks consistently high in our customer satisfaction metrics, making it an excellent value despite a modest bundling discount.
Our Experience With USAA's Home and Auto Bundle
USAA's bundle management is efficient and straightforward through its well-designed app and website. Its representatives understand military life and families' challenges during deployments or moves. USAA provides special perks for deployed service members, like vehicle storage discounts and the ability to adjust policies when stationed overseas.
What Customers Say About USAA's Bundles
Allstate offers home and auto insurance bundles at an average annual cost of $3,147. It provides a 13% discount when combining policies, saving about $468 per year compared to purchasing separate policies. While not the cheapest option, Allstate's bundle provides a good balance of coverage and value with competitive pricing.
Our Experience With Allstate's Home and Auto Bundle
Allstate's bundled policies are easy to manage through its user-friendly app and network of local agents. Its bundle dashboard clearly shows how discounts are applied across both policies. Allstate offers more optional coverages than many competitors, including home rental protection and specialized coverage for antique cars, making it ideal for customers with unique insurance needs.
What Customers Say About Allstate's Bundles
Allstate Coverages and Discount Offerings
Car Insurance Offerings From Allstate:
Home Insurance Offerings From Allstate:
Discount Offerings From Allstate:
Home Insurance
Car Insurance
The best home and auto insurance bundle depends on your state, as pricing, customer satisfaction and coverage options vary by location. Insurance companies offer different bundle pricing across states due to varying local risk factors, regulations and competition levels.
Each insurer has operational strengths in specific regions, with some maintaining better agent networks, claims infrastructure or regional underwriting expertise that allows competitive pricing in those areas.
| Alabama | Farmers | $1,868 |
| Alaska | Allstate | $2,382 |
| Arizona | Farmers | $2,769 |
| Arkansas | Farmers | $3,089 |
| California | Farmers | $3,004 |
| Colorado | Farmers | $6,058 |
| Connecticut | State Farm | $2,163 |
| Delaware | State Farm | $1,759 |
| Washington, D.C. | State Farm | $2,005 |
| Florida | Nationwide | $3,940 |
| Georgia | Allstate | $2,726 |
| Hawaii | State Farm | $1,063 |
| Idaho | Farmers | $1,723 |
| Illinois | Allstate | $2,280 |
| Indiana | Farmers | $2,536 |
| Iowa | Allstate | $2,366 |
| Kansas | Farmers | $4,235 |
| Kentucky | State Farm | $2,434 |
| Louisiana | Allstate | $6,976 |
| Maine | Allstate | $2,128 |
| Maryland | Nationwide | $3,275 |
| Massachusetts | Allstate | $3,443 |
| Michigan | Farmers | $11,240 |
| Minnesota | State Farm | $2,386 |
| Mississippi | Nationwide | $9,496 |
| Missouri | Allstate | $4,064 |
| Montana | Farmers | $4,058 |
| Nebraska | Farmers | $4,171 |
| Nevada | Farmers | $2,474 |
| New Hampshire | Allstate | $1,670 |
| New Jersey | State Farm | $2,710 |
| New Mexico | Farmers | $2,637 |
| New York | Allstate | $3,701 |
| North Carolina | Nationwide | $2,594 |
| North Dakota | Farmers | $2,498 |
| Ohio | Farmers | $2,089 |
| Oklahoma | Farmers | $6,714 |
| Oregon | Farmers | $2,079 |
| Pennsylvania | Nationwide | $2,575 |
| Rhode Island | Allstate | $3,409 |
| South Carolina | Travelers | $5,594 |
| South Dakota | Farmers | $2,870 |
| Tennessee | Travelers | $6,709 |
| Texas | Nationwide | $6,677 |
| Utah | Farmers | $1,696 |
| Vermont | Allstate | $1,337 |
| Virginia | Allstate | $3,093 |
| Washington | Farmers | $2,411 |
| West Virginia | Allstate | $2,269 |
| Wisconsin | Farmers | $1,774 |
State Farm has the cheapest home and auto insurance bundle at $2,559 annually, with Allstate following at $3,147. You can reduce premiums further by using available home and auto insurance discounts.
| State Farm | $2,559 | $213 |
| Allstate | $3,147 | $262 |
| Progressive | $3,380 | $282 |
| Nationwide | $3,470 | $289 |
| Farmers | $3,640 | $303 |
| Travelers | $5,285 | $440 |
Bundling home and auto insurance saves around $542 annually, but discounts vary by provider. State Farm offers the largest discount at 25%, followed by Farmers at 17% and Nationwide at 15%.
| State Farm | $2,559 | $3,407 | $847 | 25% | 1 |
| Farmers | $3,640 | $4,404 | $764 | 17% | 2 |
| Nationwide | $3,470 | $4,070 | $600 | 15% | 4 |
| Allstate | $3,147 | $3,615 | $468 | 13% | 7 |
| Travelers | $5,285 | $5,956 | $671 | 11% | 8 |
| USAA | $2,681 | $2,903 | $222 | 8% | 11 |
| Progressive | $3,380 | $3,603 | $223 | 6% | 12 |
Bundling home and auto insurance saves policyholders about 13% on premiums while simplifying coverage with one provider. State Farm offers the best and cheapest bundle at $2,559 per year, combining affordability and service.
In some cases, separate policies can be cheaper. For example, Nationwide auto insurance and Progressive home insurance cost $3,224 annually — less than Progressive’s bundle but more than State Farm’s or Allstate’s. Some bundles, like Travelers' at $5,285 per year, are much more expensive, making separate policies a better option for certain drivers.
To find the most cost-effective coverage, compare quotes for bundling and separate policies, especially if you have poor credit or a bad driving record.
Follow these steps to maximize your savings with a car and homeowners insurance bundle:
Review your current policies to determine your coverage level. Then, you can get quotes for the same coverage limits.
Contact your current insurance company. Then, compare at least three other insurance companies for home and auto coverage. Ask for bundle quotes and individual quotes to compare. Compare equal coverage levels from each company.
Ask insurers about available discounts to maximize your savings. Some companies also provide a single deductible for home and car damage if an incident affected both.
A low premium isn't the only factor. Look at customer satisfaction ratings and claims processing times to ensure reliable service.
Rates frequently change, so complete this process every year or two for the best deal.
1. How much will I actually save by bundling compared to separate policies?
Ask for exact dollar amounts rather than just percentage discounts, as the savings can vary widely based on your specific coverage needs. Request quotes for bundled and separate policies to confirm you're getting the best deal, as bundling isn't always cheaper.
2. Will I have a single deductible if my home and car are damaged in the same incident?
Some companies let you pay just one deductible when the same disaster hits your home and car. So if a storm damages your house and vehicle, you'd pay one deductible instead of two. That can save you thousands during a claim, though not every insurer offers this option.
3. How will bundling affect my coverage limits and policy terms?
Ensure bundling doesn't result in reduced coverage or higher deductibles in exchange for lower premiums. Ask for a side-by-side comparison of your current coverage versus the proposed bundle to identify any differences in protection levels or policy terms.
4. What happens to my bundle discount if I need to file a claim?
Some insurers may reduce or eliminate bundle discounts after claims, while others maintain the same discount regardless of claim history. Understanding this policy beforehand can help you anticipate potential premium increases after filing a claim.
5. Can I have different renewal dates for each policy within my bundle?
While bundling typically aligns your policies to a single renewal date for convenience, some companies allow flexibility in setting different dates. This can help spread out payments throughout the year if you prefer not having both premiums due simultaneously.
Before bundling your home and auto insurance, compare quotes for auto and home insurance separately to find the best rates. Use our calculators to compare costs from top providers quickly. Once you’ve identified the most affordable options, contact insurers to ask about bundling discounts and see how much you can save.
Features | State Farm | USAA | Allstate | Travelers |
|---|---|---|---|---|
Annual bundle cost | $2,559 | $2,681 | $3,147 | $5,285 |
Bundle discount | 25% ($847 savings) | 8% ($222 savings) | 13% ($468 savings) | 11% ($671 savings) |
Mobile app rating | 4.8/5 | 4.9/5 | 4.2/5 | 3.7/5 |
Claims process rating | 4.7/5 | 4.9/5 | 4.2/5 | 3.9/5 |
Customer satisfaction | 4.5/5 | 4.8/5 | 4.1/5 | 3.8/5 |
Key strengths | Highest discount, single deductible benefit | Military-specific benefits, best service | Most coverage options, strong agent network | Extensive coverage add-ons |
Drawbacks | Fewer digital tools | Limited eligibility | Slightly higher pricing | Highest premiums, limited availability |
Best for | Most households seeking value | Military families | Those wanting customizable coverage | Those needing specialty coverages |
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Bundling can save you money
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Bundling home and auto insurance often provides the most savings, but separate policies from different providers can sometimes be cheaper. Nationwide auto insurance combined with Progressive home insurance, at $3,224 per year, is the only nationally available option that rivals top bundle rates.
| State Farm | $1,584 | $1,823 | $3,407 | $1,335 | $1,224 | $2,559 |
| USAA | $956 | $1,947 | $2,903 | $909 | $1,773 | $2,681 |
| Allstate | $1,728 | $1,888 | $3,615 | $1,557 | $1,590 | $3,147 |
| Progressive | $1,895 | $1,708 | $3,603 | $1,693 | $1,687 | $3,380 |
| Nationwide | $1,516 | $2,555 | $4,070 | $1,310 | $2,160 | $3,470 |
| Farmers | $2,184 | $2,221 | $4,404 | $1,815 | $1,826 | $3,640 |
| Travelers | $1,667 | $4,288 | $5,956 | $1,488 | $3,797 | $5,285 |
Bundling is a great way to save money while simplifying coverage under one provider. State Farm offers the best and most affordable bundle, with an average annual premium of $2,559 and a 25% discount.
On average, bundling saves policyholders about $542 per year, though savings vary by insurer. To find the best deal, compare providers, review discounts and choose a company that combines cost savings with excellent customer service.
Home and auto insurance bundles are among the most common discounts in the insurance industry. Below are answers to frequently asked questions about them:
State Farm offers the best home and auto insurance bundle, costing an average of $2,559 annually and earning a MoneyGeek score of 64 out of 100.
State Farm offers the most affordable home and auto bundle, with an average annual rate of $2,559. Allstate follows, with premiums averaging $3,147.
You can save around 13% on your premiums if you bundle auto and home insurance with the same provider.
Comparison shopping is the best way to determine a provider's policies for bundling. Common policies that can be bundled include:
Before switching your car insurance or home insurance policy, compare quotes from other companies to ensure you get the rates and service you need. Purchase your new policy before canceling the old one to avoid a costly lapse in coverage. You can cancel your previous policy after securing a new one. However, check for cancellation fees or requirements, such as providing a formal letter.
Bundling policies requires the same personal information as applying for individual policies. You'll need:
GEICO offers home and auto insurance bundles through its partnership with homeowners insurance providers. It allows you to bundle auto insurance with homeowners, renters, condo, mobile home and landlord insurance policies. It also offers multi-vehicle discounts if you insure more than one car with them. Bundling these policies can result in discounts on auto and home insurance premiums, but GEICO wasn't the cheapest option in our analysis.
Our analysis found that State Farm was cheaper overall and offered a discount up to 25%
Yes, bundling home and auto insurance is often a smart choice for seniors. It can lower your overall premiums, simplify billing, and make claims easier to manage. However, savings vary by insurer and coverage level, so it’s best to compare quotes first.
You can still bundle with a poor driving record, though your savings will be lower than those with clean records. Some companies, like Progressive and Nationwide, are more forgiving of driving violations when offering bundles.
Bundling doesn't lock you into a company forever, but you may need to replace both policies simultaneously when switching. Some insurers offer "switch-and-save" promotions targeting customers looking to transfer multiple bundled policies.
Most major insurers allow bundling homeowners insurance with motorcycles, RVs, boats and other vehicle types. These alternative bundles offer similar discount percentages but may vary by company.
Bundling streamlines the claims process by giving you a single point of contact and sometimes a dedicated claims adjuster familiar with all your policies. Many bundle customers report faster claim resolution and less paperwork when filing claims that affect multiple policies.
Yes, most insurers offer increasing discounts for each additional vehicle you add to a bundle with your home insurance. Adding a second or third vehicle can boost your overall bundle discount by 2% to 5%.
Yes, you can customize deductibles separately for each policy within a bundle. This flexibility allows you to balance your premiums against your out-of-pocket expenses for different types of claims.
We analyzed quotes and data to create a scoring system that evaluates rate affordability, customer satisfaction and financial stability for home and auto insurance. This analysis helped identify the best and most affordable bundles nationally and by state.
Study Overview
MoneyGeek evaluated quotes, customer satisfaction ratings and financial stability to find the top options for bundling home and auto insurance policies.
Data Acquisition, Depth and Analysis
We gathered affordability data from Quadrant Information Services and state insurance departments, alongside information from consumer reporting agencies like J.D. Power for customer service and AM Best for financial stability.
Using hundreds of quotes from the largest insurers, we developed a weighted scoring system to rank insurers and bundle packages. The scoring criteria and weights include:
Driver Profile
The average driver profile used in the analysis includes:
The sample policy includes $100,000 bodily injury liability per person, $300,000 per accident and $100,000 property damage liability. We adjusted the geographic location for state-specific data.
Home Profile
The standard home profile includes:
We modified the geographic location to gather state-specific home and bundle quotes.
Learn more about MoneyGeek's auto insurance and home insurance methodologies.
MoneyGeek provides dedicated resources for comparing the best home and auto insurance companies individually.
Our calculators offer the fastest way to compare quotes for individual policies:
If you want to learn more about the best and cheapest car and home insurance, read our guides:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.
