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. That consistency matters because bundle customers who file a claim on one policy often need support on the other at the same time. Carriers with uneven scores (strong on auto, weak on home, for example) create real problems when a single event, like a hailstorm, triggers claims on both policies simultaneously.

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, not the highest in our analysis. Amica's base rates are competitive enough that its bundled premium of $3,156 ranks among the more affordable options on this list.

Coverage breadth is where Amica loses ground. 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, such as rideshare coverage, green rebuild coverage or extended replacement cost, may find Amica's coverage menu narrower than what competing carriers offer at similar price points.

AAA's home affordability score of 4.9 out of 5 is the highest in our dataset, which explains how it achieves the lowest bundled price despite a 14% discount that matches several more expensive carriers. Its auto affordability score of 4.0 out of 5 also ranks well, second only to Amica among carriers with a 4.7 or higher overall score. That combination of low base rates on both policies produces a bundled premium that outperforms every competitor on price.

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 robust auto coverage add-ons should compare policy details carefully before choosing AAA on price alone. For drivers with straightforward coverage needs and no specialty endorsement requirements, the $2,682 bundled price is difficult 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 who knows both your home and auto policies produces faster claims resolution than working with separate carriers and adjusters when an event triggers claims on both policies. State Farm's stability score of 5 out of 5 means customers can rely on the carrier being there when a claim happens, which isn't a given in a market where some home insurers have pulled back from weather-exposed states.

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, spare 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, which 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 likely find better value with Amica, AAA or State Farm.