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 the best car insurance companies for seniors below to find your lowest rate.
Best Home and Auto Insurance Bundle for Seniors
Updated: May 7, 2026
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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 offers seniors savings 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 gives 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 offers 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
Your location plays a big role in what you pay for insurance. Companies look at things like local crime rates, property values, and state regulations when they set your rates for bundled home and auto coverage. Below, we've listed 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 |
Mississippi ($9,204), Tennessee ($6,488), Oklahoma ($6,285) and Colorado ($5,165) have the highest premiums among the top-rated providers in our state rankings.
Best and Cheapest Home and Auto Insurance Quotes for Seniors
Seniors can save money by taking advantage of multi-policy discounts. Bundling your home and auto insurance together can save you up to 25% on your premiums. Below are the companies with the best bundle discounts for seniors, both nationwide and state-by-state.
Best Companies to Get Cheap Home and Auto Insurance Quotes 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 |
Hawaii, Delaware and New Jersey have the lowest premiums among the cheapest providers in our state analysis, at $988, $1,244 and $1,409 annually.
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. For seniors on a fixed income, $572 in annual savings is roughly one month's worth of insurance costs returned to your budget.
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.
Bundle savings vary by insurer and state. Comparing both bundled and separate quotes before deciding helps seniors confirm they're getting the best overall rate.
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. Check bundle quotes from at least three companies to find the best mix of coverage and price for your situation.
- 2Ask About Policy Customization
Don't just accept the default package. Tailoring coverage to what you need can help you avoid paying for extras you'll never use.
- 3Maintain a Strong Credit Score
Many insurers look at credit when setting rates. If you have good credit, you'll often qualify for better discounts on bundled policies.
- 4Increase Deductibles Carefully
Higher deductibles mean lower premiums. If you have savings set aside to cover a bigger deductible in an emergency, you can save money on your monthly costs.
- 5Check for Additional Discounts
Ask your insurer about other discounts you might qualify for, like loyalty rewards or safe homeowner discounts.
- 6Consider Bundling Additional Policies
If you need other coverage, like umbrella or life insurance, adding those to your bundle can often unlock even bigger discounts.
- 7Reassess Policy and Needs Annually
Your needs change over time. Review your bundled policies every year to make sure you have the right coverage and aren't missing out on new discounts or better rates.
Best Auto and Home Bundle Discounts for Seniors
Seniors bundling home and auto insurance should ask about extra discounts.
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?
Usually, yes. Bundling saves about $521 per year on average compared to buying separate policies, though your actual savings depend on your insurer and where you live.
Which states have the cheapest home and auto bundles for seniors?
States like Idaho, Maine and Wisconsin tend to have lower bundle rates. They generally have fewer accidents, milder weather, and lower home values, which all help keep insurance costs down.
Can seniors bundle if my home and auto policies have different renewal dates?
Yes. When you combine policies, your insurer can sync up the renewal dates. You might need to adjust your payment schedule for the first billing cycle, but after that everything runs together.
Do all insurance companies offer bundling discounts?
Not all of them. Most major insurers do, but the discount amount varies quite a bit. Some regional companies offer smaller bundling discounts but might still beat the big names on overall price.
Can bundling help seniors qualify for other discounts?
Yes. Most companies let you stack your bundle discount with other savings like good driver discounts, smart home device credits, loyalty rewards, or paperless billing discounts.
What happens to my home and auto policy if I move to another state?
Your bundle discount usually carries over, but your rates will change based on your new state's insurance costs and regulations. Moving is actually a good time to shop around and compare quotes again.
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.
Bundle premiums reflect combined home and auto quotes for senior policyholders across all 50 states and Washington, D.C.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!