Updated: June 23, 2025
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Auto-Owners offers the best home and auto insurance bundle rate, averaging $2,375 per year or $198 per month.
State Farm offers the highest average home and auto bundle discount of 25%, making it a strong choice for budget-conscious households.
A home and auto insurance policy bundle costs an average of $3,094 per year, while the total cost of buying separate policies is $3,615 per year.
Auto-Owners has the best home and auto insurance bundle rates, averaging $2,375 per year or $198 monthly. Bundling your home and auto insurance policies through Auto-Owners can save you an average of $282 annually. The table below compares rates and savings from leading insurers to help you evaluate your options.
| Auto-Owners Insurance Co | $2,375 | $198 | $282 | 96 |
| Nationwide | $3,470 | $289 | $600 | 89 |
| State Farm | $2,559 | $213 | $847 | 87 |
| Travelers | $5,285 | $440 | $671 | 83 |
| Allstate | $3,294 | $274 | $495 | 80 |
Location is a significant factor used to determine insurance rates. Insurers calculate premiums based on local risk factors, regulations and property values. The table below identifies the top-rated providers and average bundled quotes in each state.
| Alaska | State Farm | $1,667 | $139 | $615 | 92 |
| Delaware | Travelers | $1,704 | $142 | $155 | 92 |
| Florida | Nationwide | $3,940 | $328 | $405 | 95 |
| Hawaii | State Farm | $1,063 | $89 | $238 | 100 |
| Idaho | Nationwide | $1,622 | $135 | $250 | 96 |
| Iowa | Auto-Owners Insurance Co | $1,912 | $159 | $190 | 95 |
| Kansas | Auto-Owners Insurance Co | $2,970 | $247 | $301 | 100 |
| Kentucky | State Farm | $2,434 | $203 | $973 | 94 |
| Maine | State Farm | $1,216 | $101 | $463 | 90 |
| Minnesota | Auto-Owners Insurance Co | $2,120 | $177 | $119 | 100 |
| Nevada | Auto-Owners Insurance Co | $2,095 | $175 | $283 | 97 |
| New Jersey | State Farm | $2,710 | $226 | $758 | 94 |
| New Mexico | State Farm | $2,610 | $218 | $1,034 | 100 |
| New York | Travelers | $4,688 | $391 | $613 | 87 |
| North Carolina | State Farm | $1,256 | $105 | $345 | 87 |
| North Dakota | Auto-Owners Insurance Co | $2,412 | $201 | $219 | 90 |
| Ohio | Auto-Owners Insurance Co | $1,700 | $142 | $194 | 96 |
| Rhode Island | Nationwide | $3,086 | $257 | $641 | 89 |
| South Dakota | Auto-Owners Insurance Co | $2,489 | $207 | $196 | 95 |
| Virginia | Auto-Owners Insurance Co | $2,396 | $200 | $306 | 98 |
| Washington | Auto-Owners Insurance Co | $1,898 | $158 | $248 | 99 |
Combining home and auto insurance policies can reduce your premiums by as much as 25%. Discount percentages vary by provider and location. Below, we highlight the companies that offer the most competitive discounted rates and bundling incentives nationwide and by state.
State Farm is the best cheap home and auto insurance company, earning a MoneyGeek score of 87 out of 100. The company ranks first for discounts, with the highest average discount at 25%. Use the table below to compare average discount percentages from top insurance providers.
| 1 | State Farm | 25% | 87 |
| 2 | Farmers | 17% | 80 |
| 3 | Nationwide | 15% | 89 |
| 4 | Allstate | 13% | 80 |
| 5 | Travelers | 11% | 83 |
Insurance rates and discounts may vary by state. Local laws, claims history and insurer availability affect pricing and discounts, so the cheapest options and best deals for one state may differ from those in another. The table below shows the top companies by state, along with their average premiums, discount rates and estimated annual savings.
| Alabama | Farmers | 21% | $1,868 | $156 | $486 | 76 |
| Alaska | State Farm | 27% | $1,667 | $139 | $615 | 83 |
| Arizona | State Farm | 26% | $2,043 | $170 | $704 | 84 |
| Arkansas | State Farm | 30% | $2,462 | $205 | $1,080 | 91 |
| California | Allstate | 4% | $2,074 | $173 | $92 | 72 |
| Colorado | Auto-Owners Insurance Co | 7% | $2,803 | $234 | $225 | 87 |
| Connecticut | State Farm | 26% | $2,163 | $180 | $760 | 82 |
| Delaware | Travelers | 8% | $1,704 | $142 | $155 | 80 |
| Florida | Travelers | 11% | $3,064 | $255 | $375 | 70 |
| Georgia | Auto-Owners Insurance Co | 11% | $2,201 | $183 | $278 | No Data |
| Hawaii | State Farm | 18% | $1,063 | $89 | $238 | 79 |
| Idaho | Nationwide | 13% | $1,622 | $135 | $250 | 86 |
| Illinois | State Farm | 26% | $1,912 | $159 | $677 | 91 |
| Indiana | State Farm | 29% | $1,987 | $166 | $824 | 80 |
| Iowa | Auto-Owners Insurance Co | 9% | $1,912 | $159 | $190 | 100 |
| Kansas | Auto-Owners Insurance Co | 9% | $2,970 | $247 | $301 | 90 |
| Kentucky | State Farm | 29% | $2,434 | $203 | $973 | 87 |
| Louisiana | State Farm | 22% | $3,933 | $328 | $1,104 | 81 |
| Maine | Auto-Owners Insurance Co | 13% | $1,139 | $95 | $175 | 78 |
| Massachusetts | State Farm | 18% | $1,197 | $100 | $259 | 79 |
| Minnesota | Auto-Owners Insurance Co | 5% | $2,120 | $177 | $119 | 90 |
| Mississippi | Allstate | 14% | $2,453 | $204 | $392 | 79 |
| Nebraska | State Farm | 29% | $3,901 | $325 | $1,559 | 80 |
| Nevada | State Farm | 22% | $2,068 | $172 | $594 | 81 |
| New Hampshire | State Farm | 26% | $1,285 | $107 | $442 | 92 |
| New Jersey | Allstate | 11% | $2,690 | $224 | $327 | 77 |
| New Mexico | State Farm | 28% | $2,610 | $218 | $1,034 | 74 |
| New York | Kemper | 13% | $1,965 | $164 | $305 | No Data |
| North Carolina | State Farm | 22% | $1,256 | $105 | $345 | 89 |
| North Dakota | Allstate | 16% | $2,148 | $179 | $404 | 66 |
| Ohio | Auto-Owners Insurance Co | 10% | $1,700 | $142 | $194 | 78 |
| Oklahoma | State Farm | 31% | $4,126 | $344 | $1,846 | 85 |
| Oregon | State Farm | 27% | $1,508 | $126 | $549 | 86 |
| Pennsylvania | State Farm | 26% | $1,940 | $162 | $693 | 87 |
| Rhode Island | State Farm | 24% | $1,386 | $116 | $438 | 84 |
| South Carolina | State Farm | 26% | $2,301 | $192 | $796 | 92 |
| South Dakota | Auto-Owners Insurance Co | 7% | $2,489 | $207 | $196 | 91 |
| Tennessee | State Farm | 30% | $2,238 | $187 | $959 | 81 |
| Texas | State Farm | 26% | $3,421 | $285 | $1,188 | 87 |
| Utah | Farmers | 16% | $1,696 | $141 | $328 | 75 |
| Vermont | State Farm | 27% | $1,067 | $89 | $402 | 80 |
| Virginia | State Farm | 26% | $1,572 | $131 | $551 | 87 |
| Washington | Allstate | 17% | $1,828 | $152 | $362 | 75 |
| Wisconsin | State Farm | 26% | $1,618 | $135 | $575 | 83 |
The average cost of a bundled home and auto insurance policy is $3,094 per year. Quotes may vary by insurer, with average industry premiums ranging from $1,063 to $11,240. Compare quotes from different insurance providers to find the best rate for you.
| $3,094 | $1,063 | $11,240 |
Home and auto insurance bundle costs vary by location due to differences in risk factors, housing markets, weather patterns and insurer availability. Some states may offer lower average premiums. The table below outlines the average home and auto insurance bundle rates by state to help you see how pricing compares where you live.
| Alabama | $2,250 | $188 | $470 |
| Alabama | $3,168 | $264 | $587 |
| Alabama | $3,157 | $263 | $1,198 |
| Alabama | $3,318 | $277 | $423 |
| Alabama | $1,868 | $156 | $486 |
| Alaska | $2,382 | $199 | $575 |
| Alaska | $1,667 | $139 | $615 |
| Arizona | $5,049 | $421 | $526 |
| Arizona | $2,557 | $213 | $208 |
| Arizona | $3,339 | $278 | $342 |
| Arizona | $2,043 | $170 | $704 |
| Arizona | $2,331 | $194 | $262 |
| Arkansas | $4,043 | $337 | $649 |
| Arkansas | $2,462 | $205 | $1,080 |
| Arkansas | $3,721 | $310 | $865 |
| Arkansas | $4,229 | $352 | $449 |
| Arkansas | $3,089 | $257 | $808 |
| California | $2,336 | $195 | $634 |
| California | $2,421 | $202 | $546 |
| California | $2,635 | $220 | $401 |
| California | $2,771 | $231 | $900 |
| California | $2,074 | $173 | $92 |
| Colorado | $4,800 | $400 | $439 |
| Colorado | $2,803 | $234 | $225 |
| Colorado | $6,605 | $550 | $355 |
| Colorado | $2,994 | $249 | $1,130 |
| Colorado | $6,058 | $505 | $1,594 |
| Connecticut | $2,163 | $180 | $760 |
| Connecticut | $3,346 | $279 | $328 |
| Connecticut | $3,398 | $283 | $173 |
| Delaware | $1,704 | $142 | $155 |
| Delaware | $2,669 | $222 | $500 |
| Delaware | $1,759 | $147 | $572 |
| District of Columbia | $2,889 | $241 | $486 |
| District of Columbia | $2,454 | $205 | $421 |
| District of Columbia | $2,005 | $167 | $652 |
| Florida | $5,155 | $430 | $482 |
| Florida | $3,822 | $318 | $359 |
| Florida | $3,064 | $255 | $375 |
| Florida | $3,940 | $328 | $405 |
| Florida | $5,409 | $451 | $764 |
| Georgia | $3,026 | $252 | $1,124 |
| Georgia | $3,219 | $268 | $321 |
| Georgia | $2,201 | $183 | $278 |
| Georgia | $2,726 | $227 | $436 |
| Hawaii | $1,513 | $126 | $188 |
| Hawaii | $1,063 | $89 | $238 |
| Idaho | $1,622 | $135 | $250 |
| Idaho | $1,723 | $144 | $474 |
| Idaho | $2,016 | $168 | $415 |
| Idaho | $1,832 | $153 | $829 |
| Illinois | $2,516 | $210 | $398 |
| Illinois | $1,912 | $159 | $677 |
| Illinois | $2,280 | $190 | $422 |
| Illinois | $6,583 | $549 | $693 |
| Illinois | $2,737 | $228 | $108 |
| Indiana | $2,824 | $235 | $375 |
| Indiana | $2,934 | $244 | $387 |
| Indiana | $1,987 | $166 | $824 |
| Indiana | $2,536 | $211 | $528 |
| Indiana | $2,231 | $186 | $280 |
| Iowa | $2,020 | $168 | $855 |
| Iowa | $1,912 | $159 | $190 |
| Iowa | $1,957 | $163 | $338 |
| Iowa | $2,366 | $197 | $326 |
| Kansas | $3,050 | $254 | $1,353 |
| Kansas | $5,278 | $440 | $469 |
| Kansas | $4,235 | $353 | $887 |
| Kansas | $7,553 | $629 | $1,185 |
| Kansas | $2,970 | $247 | $301 |
| Kentucky | $3,118 | $260 | $268 |
| Kentucky | $3,620 | $302 | $692 |
| Kentucky | $2,614 | $218 | $236 |
| Kentucky | $2,566 | $214 | $990 |
| Kentucky | $2,434 | $203 | $973 |
| Louisiana | $3,933 | $328 | $1,104 |
| Louisiana | $6,976 | $581 | $668 |
| Louisiana | $4,932 | $411 | $372 |
| Maine | $1,139 | $95 | $175 |
| Maine | $1,216 | $101 | $463 |
| Maine | $2,128 | $177 | $408 |
| Maine | $3,709 | $309 | $308 |
| Maryland | $5,773 | $481 | $1,123 |
| Maryland | $3,361 | $280 | $706 |
| Maryland | $3,275 | $273 | $713 |
| Maryland | $2,839 | $237 | $817 |
| Massachusetts | $5,322 | $444 | $779 |
| Massachusetts | $3,443 | $287 | $1,045 |
| Massachusetts | $1,197 | $100 | $259 |
| Michigan | $3,718 | $310 | $131 |
| Michigan | $2,731 | $228 | $309 |
| Michigan | $8,540 | $712 | $1,328 |
| Michigan | $11,240 | $937 | $2,800 |
| Michigan | $5,989 | $499 | $1,625 |
| Minnesota | $2,120 | $177 | $119 |
| Minnesota | $2,386 | $199 | $934 |
| Minnesota | $3,371 | $281 | $431 |
| Mississippi | $9,496 | $791 | $3,735 |
| Mississippi | $2,660 | $222 | $1,012 |
| Mississippi | $2,453 | $204 | $392 |
| Mississippi | $7,933 | $661 | $953 |
| Missouri | $4,064 | $339 | $478 |
| Missouri | $2,933 | $244 | $1,077 |
| Missouri | $4,364 | $364 | $523 |
| Montana | $3,193 | $266 | $189 |
| Montana | $3,718 | $310 | $532 |
| Montana | $2,635 | $220 | $922 |
| Montana | $4,058 | $338 | $860 |
| Montana | $4,201 | $350 | $196 |
| Nebraska | $4,595 | $383 | $386 |
| Nebraska | $3,901 | $325 | $1,559 |
| Nebraska | $4,171 | $348 | $1,255 |
| Nevada | $2,474 | $206 | $219 |
| Nevada | $2,068 | $172 | $594 |
| Nevada | $2,832 | $236 | $402 |
| Nevada | $2,095 | $175 | $283 |
| Nevada | $2,474 | $206 | $770 |
| New Hampshire | $1,670 | $139 | $413 |
| New Hampshire | $1,433 | $119 | $244 |
| New Hampshire | $1,285 | $107 | $442 |
| New Hampshire | $1,705 | $142 | $427 |
| New Jersey | $3,154 | $263 | $274 |
| New Jersey | $2,710 | $226 | $758 |
| New Jersey | $2,690 | $224 | $327 |
| New Jersey | $4,719 | $393 | $310 |
| New Mexico | $2,637 | $220 | $191 |
| New Mexico | $2,610 | $218 | $1,034 |
| New York | $3,094 | $258 | $717 |
| New York | $1,965 | $164 | $305 |
| New York | $4,688 | $391 | $613 |
| New York | $3,701 | $308 | $724 |
| North Carolina | $2,087 | $174 | $279 |
| North Carolina | $1,256 | $105 | $345 |
| North Carolina | $2,594 | $216 | $929 |
| North Dakota | $2,148 | $179 | $404 |
| North Dakota | $2,412 | $201 | $219 |
| North Dakota | $2,395 | $200 | $587 |
| North Dakota | $2,498 | $208 | $529 |
| Ohio | $2,089 | $174 | $532 |
| Ohio | $2,224 | $185 | $558 |
| Ohio | $1,700 | $142 | $194 |
| Ohio | $1,966 | $164 | $364 |
| Ohio | $2,057 | $171 | $130 |
| Oklahoma | $4,751 | $396 | $564 |
| Oklahoma | $4,126 | $344 | $1,846 |
| Oklahoma | $6,714 | $560 | $1,529 |
| Oregon | $1,732 | $144 | $363 |
| Oregon | $2,079 | $173 | $607 |
| Oregon | $2,004 | $167 | $303 |
| Oregon | $1,508 | $126 | $549 |
| Oregon | $2,365 | $197 | $394 |
| Pennsylvania | $1,940 | $162 | $693 |
| Pennsylvania | $5,165 | $430 | $656 |
| Pennsylvania | $3,787 | $316 | $218 |
| Pennsylvania | $2,575 | $215 | $532 |
| Pennsylvania | $2,226 | $185 | $518 |
| Rhode Island | $3,086 | $257 | $641 |
| Rhode Island | $3,409 | $284 | $1,150 |
| Rhode Island | $1,386 | $116 | $438 |
| South Carolina | $2,816 | $235 | $360 |
| South Carolina | $2,301 | $192 | $796 |
| South Carolina | $5,017 | $418 | $306 |
| South Carolina | $2,318 | $193 | $327 |
| South Carolina | $5,594 | $466 | $736 |
| South Dakota | $3,366 | $281 | $524 |
| South Dakota | $2,727 | $227 | $1,196 |
| South Dakota | $2,489 | $207 | $196 |
| South Dakota | $2,870 | $239 | $756 |
| South Dakota | $4,212 | $351 | $350 |
| Tennessee | $2,814 | $234 | $384 |
| Tennessee | $2,977 | $248 | $90 |
| Tennessee | $3,159 | $263 | $583 |
| Tennessee | $2,238 | $187 | $959 |
| Tennessee | $2,300 | $192 | $258 |
| Texas | $6,677 | $556 | $835 |
| Texas | $3,421 | $285 | $1,188 |
| Texas | $8,583 | $715 | $480 |
| Texas | $4,461 | $372 | $263 |
| Texas | $4,920 | $410 | $720 |
| Utah | $1,752 | $146 | $559 |
| Utah | $2,019 | $168 | $239 |
| Utah | $2,675 | $223 | $337 |
| Utah | $1,749 | $146 | $178 |
| Utah | $1,696 | $141 | $328 |
| Vermont | $1,067 | $89 | $402 |
| Vermont | $1,337 | $111 | $372 |
| Vermont | $1,269 | $106 | $177 |
| Virginia | $3,093 | $258 | $430 |
| Virginia | $1,572 | $131 | $551 |
| Virginia | $2,046 | $171 | $422 |
| Virginia | $2,408 | $201 | $193 |
| Virginia | $2,396 | $200 | $306 |
| Virginia | $6,902 | $575 | $730 |
| Washington | $2,270 | $189 | $338 |
| Washington | $1,852 | $154 | $521 |
| Washington | $1,898 | $158 | $248 |
| Washington | $1,828 | $152 | $362 |
| Washington | $2,411 | $201 | $300 |
| West Virginia | $3,496 | $291 | $100 |
| West Virginia | $2,024 | $169 | $735 |
| West Virginia | $2,269 | $189 | $479 |
| West Virginia | $2,089 | $174 | $384 |
| Wisconsin | $1,752 | $146 | $297 |
| Wisconsin | $2,087 | $174 | $313 |
| Wisconsin | $1,905 | $159 | $210 |
| Wisconsin | $1,774 | $148 | $334 |
| Wisconsin | $1,618 | $135 | $575 |
| Wyoming | $2,724 | $227 | $159 |
| Wyoming | $1,596 | $133 | $276 |
| Wyoming | $3,372 | $281 | $671 |
Combining home and auto insurance policies may result in significant savings. Insurance companies typically offer discounts when you buy more than one policy through their company. Bundling typically reduces your annual insurance expenses by hundreds of dollars.
Beyond the savings, bundling can also simplify insurance management. You'll have a single point of contact, which can be advantageous, especially when filing claims.
Generally, bundling home and auto insurance is cheaper than purchasing separate policies. Based on MoneyGeek's analysis, the average annual cost without bundling is $3,615. Meanwhile, the average annual cost with bundling is $3,094. That's a difference of $521 per year.
| Auto | $1,483 | $1,307 | $176 |
| Home | $2,132 | $1,787 | $345 |
| Combined | $3,615 | $3,094 | $521 |
Aside from reducing overall insurance costs, bundling home and auto insurance also improves convenience and policy management. By choosing one provider for both policies, you can simplify your insurance experience in many ways. Below are some benefits of bundling policies.
Working with a single insurer reduces communication delays and paperwork. You’ll have one point of contact for questions, policy updates or claims. This can make the service faster and more consistent.
Bundling means fewer due dates to track. Instead of juggling separate bills, you’ll receive a combined statement. This can help with managing your household budget.
Some insurance providers let policyholders file just one claim if an incident damages both their home and vehicle, making the process faster and easier. Depending on the insurer, there may also be only one deductible.
Some insurers go beyond discounts by offering extras to customers who bundle. You might get priority service or better renewal terms. If your insurance provider has a loyalty program, you may also be eligible for added savings.
Taking extra steps beyond combining multiple policies can help you get the best deals. Below are some tips to get the most value from your home and auto insurance bundle.
Every insurance company prices their bundles differently. Shop around to find your best deal on coverage and service.
Many providers offer discounts beyond bundling. Ask about loyalty, claims-free, safety features or good credit discounts. Stacking these with your bundle discount can lower your total premium even more.
Don't pay for coverage you don't need. Review each policy to match your actual situation.
Adding other policies, such as renters insurance or life insurance, to your bundle can unlock bigger discounts. Multi-policy customers often receive better pricing and may qualify for additional perks or preferred support tiers.
Insurers change rates and promotions regularly. Your needs may shift too, especially after major life changes. Reviewing quotes each year helps ensure your current bundle remains the most cost-effective option based on your needs.
When exploring home and auto insurance bundle quotes, ask about the following discounts to boost your total savings. Each may apply based on your profile or property features.
This discount is for bundling two or more policies with the same provider.
Insurers may offer a discount if you haven’t filed a claim within a set period, usually three to five years.
Long-time customers may earn reduced rates as a reward for staying with the same insurance company year after year.
Drivers with no violations or accidents often pay less for the auto portion of their bundle.
Homes with burglar alarms, fire detectors or smart devices often qualify for reduced homeowners insurance rates.
Enrolling in autopay or switching to digital statements can earn a small ongoing discount from many insurers.
If your home was recently built or you’re new to the insurer, you may receive a rate reduction.
Bundling home and auto insurance helps lower premiums and simplify coverage management. In this guide, we outlined how bundling typically saves you money and highlighted average bundled premiums by company and state. Auto-Owners and Nationwide offer the best cheap home and auto bundles for the average policyholder.
Industry premiums range from $1,063 to $11,240, averaging $3,094 per year with consumers saving around $521 per year. Actual discounts and rates may differ based on personal profile and coverage needs. To get the best deal, compare quotes from multiple providers.
Below, we've answered frequently asked questions about home and auto insurance bundles to help you find the best rates and discounts.
Auto-Owners offers the best home and auto insurance bundle quotes, with an average annual bundled quote of $2,375 ($198 monthly) and annual savings of $282. Based on affordability, State Farm is the best company to get a home and auto insurance bundle from. It has the highest average discount at 25%.
Typically, you can add renters, umbrella or life insurance to your home and auto insurance bundle. This may increase your multi-policy discount even further. Ask your insurer specifically for a multi-policy discount when combining coverage.
Bundling may not be the best choice if one insurer charges higher rates or provides less coverage than having separate providers. It may also not be for you if you qualify for specialized discounts elsewhere. Always compare bundled and individual quotes to see which option offers the best coverage for the cost.
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 individually comparing the best home and auto insurance companies. A key step in bundling is comparing individual and bundled quotes to determine which option offers better savings and value.
Our calculators offer the fastest way to compare quotes for individual policies:
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
