Best Home and Auto Insurance Bundles in 2026

Amica's customer experience scores are the most consistent of any carrier we reviewed: 4.6 out of 5 on auto and 4.7 out of 5 on home. Consistency matters here because bundle customers who file a claim on one policy often need support on the other at the same time. Carriers that score high on auto claims service but low on home claims service create real problems when a single event like a hailstorm triggers claims on both policies at once.

Amica also offers dividend policies that competing carriers don't. Eligible policyholders can receive a portion of premiums back at year-end when the company performs well. Few national carriers offer this. Its 14% bundle discount saves customers $497 a year. That's not the highest savings in our analysis, but Amica's base rates keep the bundled premium at $3,156, the second-lowest on this list.

Coverage breadth is where Amica falls short. Its bundle coverage score of 3.5 out of 5 is lower than Farmers' (4.4) and Allstate's (3.8). Buyers who need specialized endorsements like rideshare coverage or extended replacement cost will find more options at Farmers or Allstate, though at higher premiums.

AAA's home affordability score of 4.9 out of 5 is the highest in our data set. That's how it reaches the lowest bundled price despite offering the same 14% discount as several higher-priced carriers. Its auto affordability score of 4 out of 5 also ranks well, second only to Amica on our list. Low base rates on both policies, not just the bundle discount, account for the price advantage.

One limitation: AAA's auto coverage score of 1.9 out of 5 is among the lower scores in our analysis. The auto policy is more basic than what carriers like Farmers or Progressive offer. Buyers who need extensive auto coverage add-ons should review policy details before choosing AAA on price alone. Drivers with basic coverage needs and no specialty endorsements will find the $2,682 bundle hard to beat.

Both policies are easy to manage through State Farm's app or website, and its local agent network is the largest in the country. In our experience, one agent handling both your home and auto policies reduces the back-and-forth when a single event triggers claims on both at once.

A stability score of 5 out of 5 tells you the carrier won't exit the market when a claim happens, which isn't a given in states where some home insurers have already pulled back.

Claims handling is a weaker spot for State Farm. Its claims score of 3.8 out of 5 for auto isn't the lowest in our analysis, but it lags behind carriers like Amica (4.6) and Travelers (4.3). Buyers in states with frequent severe weather events should weigh that gap against the discount savings before deciding.

On auto insurance, Farmers includes original equipment manufacturer (OEM) parts coverage and rideshare coverage as standard or low-cost add-ons. Its Signal program rewards safe driving with additional discounts on top of the 18% bundle discount. That bundle discount alone saves customers $888 a year.

For home, Farmers offers extended dwelling replacement cost and equipment breakdown coverage. Both matter most in markets where construction costs are outpacing standard policy limits.

The trade-off is price. Farmers' bundled premium of $4,151 is $764 more than State Farm and $1,469 more than AAA. Buyers who need the coverage breadth Farmers provides will find the premium justified. Buyers with standard coverage needs, including liability, comprehensive and collision on the auto side and standard dwelling limits on the home side, will find better value with Amica, AAA or State Farm.