State Farm and Travelers lead our rankings for senior home and auto insurance bundles, with MoneyGeek scores of 96 and 95 out of 100. State Farm saves seniors an average of $727 annually with a 25% bundle discount, while Travelers saves $601 annually. Compare quotes from these top insurers to find your lowest rate.
Best Home and Auto Insurance Bundle for Seniors
Updated: December 29, 2025
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Key Takeaways
State Farm offers the highest average discount of 25% for combining home and auto policies, making it the best home and auto insurance bundle option for seniors looking for affordable coverage.
The average cost of a bundled policy is $2,071 per year or approximately $172 per month.
Getting separate home and auto insurance policies costs consumers an average of $2,643 per year. This is $572 more than the average cost of a bundled policy.
Best Home and Auto Insurance Quotes for Seniors
State Farm
MoneyGeek Score:
96/ 100
Monthly Premium$159
Annual Premium$1,914
Average Savings$727
Overview
State Farm offers the highest average bundle discount for seniors at 25%, with an annual bundled premium of about $1,914. It’s well-known for its extensive agent network and stable claims service.
Travelers
MoneyGeek Score:
95/ 100
Monthly Premium$392
Annual Premium$4,703
Average Savings$601
Overview
Travelers delivers substantial savings for seniors—averaging $601 annually—paired with comprehensive home and auto policy options. While premiums are higher at $4,703 annually, it can be competitive for those qualifying for multiple discounts.
Nationwide
MoneyGeek Score:
93/ 100
Monthly Premium$241
Annual Premium$2,900
Average Savings$511
Overview
Nationwide offers seniors competitive bundle pricing at $2,900 annually with average savings of $511. The company provides solid coverage features across multiple states and maintains a strong claims handling reputation. Seniors seeking reliable coverage at middle-market rates will find Nationwide's combination of price and service appealing.
Allstate
MoneyGeek Score:
92/ 100
Monthly Premium$218
Annual Premium$2,620
Average Savings$410
Overview
Allstate offers a range of bundle-friendly policies for seniors, averaging $2,243 annually in some states, with perks like Claim RateGuard and accident forgiveness. Its digital tools make managing policies easier.
Farmers
MoneyGeek Score:
88/ 100
Monthly Premium$233
Annual Premium$2,790
Average Savings$591
Overview
Farmers delivers moderate bundle savings for seniors, averaging $2,373 annually in some states, with a 16% average discount. The company is valued for its customizable coverage and local agent support.
Best Home and Auto Insurance Estimates by State
Where you live can affect the cost of your insurance policies. Insurers consider location-related factors, such as risk factors, property values and regulations, when calculating home and auto insurance bundle premiums. The table below highlights the top-rated providers for seniors in each state.
| Alabama | Farmers | $1,428 | $119 | $356 | 90 |
| Alaska | Allstate | $2,223 | $185 | $550 | 86 |
| Arizona | Farmers | $2,373 | $198 | $449 | 90 |
| Arkansas | Farmers | $3,003 | $250 | $783 | 90 |
| California | Farmers | $1,855 | $155 | $438 | 84 |
| Colorado | Farmers | $5,165 | $431 | $1,327 | 83 |
| Connecticut | State Farm | $1,624 | $135 | $637 | 95 |
| Delaware | State Farm | $1,244 | $103 | $458 | 94 |
| District of Columbia | State Farm | $1,499 | $125 | $559 | 92 |
| Florida | Nationwide | $2,295 | $191 | $205 | 96 |
| Georgia | Allstate | $2,592 | $216 | $421 | 91 |
| Hawaii | State Farm | $988 | $82 | $224 | 93 |
| Idaho | Farmers | $1,828 | $153 | $500 | 88 |
| Illinois | Allstate | $1,912 | $159 | $349 | 93 |
| Indiana | Farmers | $2,623 | $219 | $540 | 88 |
| Iowa | Allstate | $2,512 | $209 | $343 | 92 |
| Kansas | Farmers | $4,100 | $342 | $872 | 89 |
| Kentucky | State Farm | $2,153 | $179 | $919 | 96 |
| Louisiana | Allstate | $2,210 | $184 | $393 | 94 |
| Maine | Allstate | $2,323 | $193 | $433 | 88 |
| Maryland | Nationwide | $2,132 | $177 | $556 | 88 |
| Massachusetts | Allstate | $2,757 | $230 | $825 | 86 |
| Michigan | Farmers | $3,550 | $296 | $881 | 86 |
| Minnesota | State Farm | $2,128 | $177 | $890 | 97 |
| Mississippi | Nationwide | $9,204 | $767 | $3,727 | 89 |
| Missouri | Allstate | $3,762 | $313 | $440 | 92 |
| Montana | Farmers | $3,545 | $296 | $782 | 84 |
| Nebraska | Farmers | $3,677 | $307 | $1,049 | 87 |
| Nevada | Farmers | $1,442 | $120 | $426 | 90 |
| New Hampshire | Allstate | $1,682 | $140 | $415 | 88 |
| New Jersey | State Farm | $1,409 | $117 | $516 | 97 |
| New Mexico | Farmers | $2,311 | $193 | $160 | 84 |
| New York | Allstate | $2,485 | $207 | $678 | 90 |
| North Carolina | Nationwide | $2,705 | $225 | $942 | 91 |
| North Dakota | Farmers | $2,667 | $223 | $553 | 89 |
| Ohio | Farmers | $2,057 | $172 | $523 | 89 |
| Oklahoma | Farmers | $6,285 | $524 | $1,464 | 88 |
| Oregon | Farmers | $1,410 | $118 | $400 | 91 |
| Pennsylvania | Nationwide | $2,147 | $179 | $466 | 88 |
| Rhode Island | Allstate | $2,514 | $209 | $1,003 | 87 |
| South Carolina | Travelers | $4,931 | $411 | $663 | 91 |
| South Dakota | Farmers | $2,790 | $233 | $733 | 89 |
| Tennessee | Travelers | $6,488 | $541 | $629 | 90 |
| Texas | Nationwide | $6,185 | $515 | $793 | 94 |
| Utah | Farmers | $1,370 | $114 | $269 | 91 |
| Vermont | Allstate | $1,585 | $132 | $406 | 93 |
| Virginia | Allstate | $2,993 | $249 | $417 | 92 |
| Washington | Farmers | $1,909 | $159 | $213 | 88 |
| West Virginia | Allstate | $2,118 | $176 | $459 | 86 |
| Wisconsin | Farmers | $1,687 | $141 | $320 | 83 |
| Wyoming | Allstate | $3,442 | $287 | $679 | 87 |
Best and Cheapest Home and Auto Insurance Quotes for Seniors
Seniors looking to save money on insurance can take advantage of discounts, such as a multi-policy discount. For instance, bundling home and auto insurance policies can help you get up to a 25% discount. Below, we highlight the top companies offering the most competitive home and auto insurance bundle discounts for seniors nationwide and by state.
Best Companies to Get Cheap Home and Auto Insurance Quotes From for Seniors
Based on average discount percentages, State Farm is MoneyGeek's top pick for cheap home and auto insurance quotes for seniors. The company has the highest average discount at 25%. Compare average discount percentages from different insurance providers below.
| Travelers | $457 | $5,481 | $11 |
| Allstate | $247 | $2,959 | $14 |
| Nationwide | $283 | $3,392 | $15 |
| Farmers | $299 | $3,593 | $16 |
| State Farm | $201 | $2,415 | $25 |
Best Cheap Home and Auto Insurance Quotes by State for Seniors
Insurance prices and discounts may vary by location due to differences in state laws, claims history and company availability. The best and most affordable options for one state may differ from the top options in another. Use the table below to find the best companies in your state, along with their average premiums and savings.
| Alabama | Allstate | $2,243 | $187 | $469 | 92 |
| Colorado | State Farm | $2,484 | $207 | $1,058 | 96 |
| Delaware | State Farm | $1,244 | $103 | $458 | 94 |
| District of Columbia | State Farm | $1,499 | $125 | $559 | 92 |
| Florida | State Farm | $2,500 | $208 | $188 | 99 |
| Hawaii | Allstate | $1,371 | $114 | $175 | 95 |
| Idaho | Farmers | $1,828 | $153 | $500 | 88 |
| Illinois | Allstate | $1,912 | $159 | $349 | 93 |
| Iowa | State Farm | $2,090 | $174 | $867 | 96 |
| Kansas | State Farm | $2,817 | $235 | $1,302 | 97 |
| Kentucky | Nationwide | $1,891 | $157 | $757 | 100 |
| Maine | State Farm | $1,248 | $104 | $470 | 95 |
| Maryland | State Farm | $1,608 | $134 | $608 | 98 |
| Minnesota | State Farm | $2,128 | $177 | $890 | 97 |
| Mississippi | State Farm | $2,227 | $185 | $939 | 91 |
| Missouri | State Farm | $2,333 | $194 | $984 | 97 |
| Montana | State Farm | $2,499 | $208 | $898 | 91 |
| Nebraska | Farmers | $3,677 | $307 | $1,049 | 87 |
| New Jersey | Farmers | $2,292 | $191 | $142 | 100 |
| New Mexico | Farmers | $2,311 | $193 | $160 | 84 |
| New York | State Farm | $1,479 | $123 | $400 | 99 |
| North Dakota | State Farm | $2,427 | $202 | $594 | 96 |
| Oklahoma | Allstate | $4,411 | $367 | $534 | 92 |
| Oregon | Nationwide | $1,358 | $113 | $272 | 95 |
| Pennsylvania | Allstate | $1,707 | $142 | $433 | 93 |
| Rhode Island | Nationwide | $1,890 | $157 | $425 | 92 |
| South Carolina | Allstate | $1,953 | $163 | $263 | 94 |
| South Dakota | State Farm | $2,614 | $218 | $1,174 | 94 |
| Utah | Nationwide | $1,626 | $135 | $166 | 95 |
| Virginia | Nationwide | $1,925 | $160 | $389 | 95 |
| Washington | State Farm | $1,439 | $120 | $446 | 96 |
| West Virginia | State Farm | $1,826 | $152 | $706 | 93 |
| Wyoming | State Farm | $1,490 | $124 | $258 | 96 |
Should Seniors Bundle Home and Auto Insurance?
Combining home and auto insurance policies can be a smart move for seniors looking for ways to save money. Many insurance providers offer multi-policy discounts, which lower overall premiums.
Additionally, bundling policies can simplify insurance policy management. Since billing is consolidated and customer service is under one company, seniors may find it easier to track payments, policy updates and claims. Depending on the insurance provider, you may also find bonus features like loyalty rewards or enhanced coverage options.
Is It Cheaper to Bundle Home and Auto Insurance?
Getting a home and auto insurance bundle is typically cheaper than buying separate policies. An unbundled auto insurance policy costs an average of $925 per year, while a home insurance plan costs an average of $1,718 per year. That's a total of $2,643 per year.
The average total cost of a bundled home and auto insurance policy is $2,071 per year. This helps seniors save an average of $572 annually.
| Auto | $925 | $784 | $141 |
| Home | $1,718 | $1,287 | $431 |
| Combined | $2,643 | $2,071 | $572 |
Why Is It Better to Bundle Home and Auto Insurance?
Whether bundling home and auto insurance is better depends on your specific needs and circumstances. However, there are generally several advantages for seniors.
Single Point of Contact
Managing policies through one insurer reduces the need to coordinate with multiple companies, simplifying communication for claims and customer service.
One Payment
Bundled insurance typically results in one combined bill, making budgeting and payment scheduling easier to handle.
Streamlined Claims Process
If an incident affects both the home and vehicle, bundled policies can lead to faster and more efficient claims resolution without navigating two separate processes.
Additional Perks From Insurers
Some companies offer extras such as accident forgiveness, deductible savings or free identity theft protection to customers who bundle their policies.
Potential for Higher Loyalty Benefits
Seniors who bundle may receive loyalty rewards over time, including premium discounts, coverage enhancements and priority service.
How Seniors Can Save Money When Bundling Home and Auto Insurance
Bundling home and auto insurance already provides savings, but there are ways seniors can maximize the value even more.
- 1Compare Quotes From Multiple Companies
Rates and discount amounts vary by insurer. Comparing bundle quotes from at least three providers helps seniors find the best combination of coverage and price.
- 2Ask About Policy Customization
Tailoring coverage to actual needs, rather than accepting a default package, can help seniors avoid paying for unnecessary extras while maintaining strong protection.
- 3Maintain a Strong Credit Score
Some insurers use credit information when determining rates. Seniors with good credit often qualify for better discounts on bundled policies.
- 4Increase Deductibles Carefully
Choosing higher deductibles can lower premiums. Seniors with enough savings to cover a higher deductible in an emergency can benefit from lower overall insurance costs.
- 5Check for Additional Discounts
Many insurers offer multiple discount opportunities beyond bundling. Ask about available promotions, loyalty incentives or safe homeowner discounts to maximize savings.
- 6Consider Bundling Additional Policies
Seniors who need other types of insurance, such as umbrella or life insurance, can often bundle additional policies for even bigger discounts.
- 7Reassess Policy and Needs Annually
Needs and circumstances can change over time. Reviewing bundled policies every year ensures seniors maintain the right coverage and take advantage of new discounts or better pricing.
Best Auto and Home Bundle Discounts For Seniors
Seniors bundling home and auto insurance should ask about these extra discounts to boost their savings.
Multi-Policy Discount
This discount is typically offered when two or more policies are combined with the same company.
Claims-Free Discount
Seniors with a history of few or no claims often qualify for additional savings on bundled policies.
Defensive Driving Course Discount
Completing an accredited defensive driving course can lower auto insurance premiums, especially when combined with a home insurance bundle.
Home Safety Features Discount
Installing home safety upgrades, such as security systems and smoke detectors, can lead to extra savings on the bundled package.
Low Mileage Discount
Seniors who drive fewer miles annually may qualify for a low-mileage discount, reducing auto premiums within the bundle.
Loyalty Discount
Some insurers reward long-term customers with loyalty discounts. Seniors who have maintained continuous coverage with one provider may qualify for additional savings.
Automatic Payment or Paperless Billing Discount
Set up autopay or go paperless to save a few extra dollars on your bundled policy.
Auto and Home Insurance Bundle for Seniors: Bottom Line
Purchasing an auto and home insurance bundle can help seniors lower their premiums and manage coverage more easily. It can streamline billing and simplify the claims process. In this guide, we highlighted how seniors can cut costs by bundling and explored average bundled premiums to help seniors compare rates.
On average, seniors who bundle home and auto insurance can save $572 per year. Get personalized quotes from different insurance providers and compare offers to find the best deals for you.
Bundle Home and Auto Insurance for Seniors: FAQ
MoneyGeek answers frequently asked questions about home and auto insurance bundles for seniors to help you understand how they work and give you an idea of how much they may cost.
How can seniors bundle home and auto insurance with other policies?
Depending on the insurance company, you may be able to bundle home and auto insurance with other policies. Typically, you can add renters, life or umbrella policies. To ensure the availability of this option, ask your insurer specifically about combining multiple policies.
Is it cheaper for seniors to bundle home and auto insurance?
Generally, yes. Bundling saves policyholders an average of $521 per year compared to buying separate policies, though savings vary by provider and state.
Which states have the cheapest home and auto bundles for seniors?
States with lower accident rates, mild weather, and lower home values—such as Idaho, Maine, and Wisconsin—often have more affordable bundle premiums.
Can seniors bundle if my home and auto policies have different renewal dates?
Yes. Insurers can align renewal dates when you combine policies, though you may need to adjust payment schedules during the first billing cycle.
Do all insurance companies offer bundling discounts?
No. While most major insurers provide bundling discounts, the amount and availability vary. Regional insurers may offer smaller discounts but can still be competitive on overall price.
Can bundling help seniors qualify for other discounts?
Yes. Many companies allow bundling to stack with other discounts, such as good driver, smart home device, loyalty, and paperless billing discounts.
What happens to my home and auto policy if I move to another state?
Your bundle discount can carry over, but rates will be recalculated based on your new state’s risk factors and regulations. It’s a good time to compare quotes again.
Home and Auto Insurance Bundle Quotes for Seniors: Our Rating Methodology
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.
MoneyGeek evaluated quotes, customer satisfaction ratings and financial stability to find the top options for bundling home and auto insurance policies.
Home and Auto Insurance Bundle Quotes for Seniors: Related Articles
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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.