State Farm Home & Auto Insurance Bundle Review

State Farm earned a MoneyGeek score of 92.20 across auto coverage quality, auto customer satisfaction, home coverage quality and home customer experience. It ranks fourth nationally for home coverage and 11th for auto coverage.

State Farm scores 13.18 out of 15 for home coverage, placing fourth among 20 bundlers, and 28.64 out of 35 for home customer satisfaction, ranking fifth. It underwrites its own home policies, giving policyholders consistent pricing and a single claims contact.

State Farm scores 5.90 out of 10 for auto coverage, ranking 11th, and 26.85 out of 35 for auto customer satisfaction, ranking ninth. Its auto policy includes liability coverage, property damage coverage, collision coverage and comprehensive coverage, plus Drive Safe & Save.

Customer feedback reveals what you can't learn from marketing materials alone. We gathered reviews from State Farm customers who bundle home and auto coverage to understand real multi-policy experiences. Policyholders appreciate neighborhood agents who coordinate both policies, multi-line discounts that reduce costs by $600 to $1,000 yearly and the convenience of managing everything locally. Frustrations include annual rate hikes on both policies despite bundling, home claims that trigger auto rate increases and losing discounts when trying to move just one policy elsewhere.

MoneyGeek users (usernames anonymized) said this about their State Farm home and auto bundle experiences:

State Farm customers on Reddit and online forums appreciate the neighborhood agent model and multi-line discounts. They value having one local person coordinate both policies and the convenience of managing everything together. Common complaints include annual rate increases on both policies despite bundling, home claims that trigger auto rate increases and losing bundle discounts when trying to move just one policy to another company. Because forum posts skew toward strong experiences in either direction, they're best read alongside MoneyGeek's scored data.

State Farm ranks 10th nationally with a score of 92.20, placing it in the upper half of bundlers reviewed. Several higher-ranked insurers cost less per year, though none match State Farm's $786 annual dollar savings. Amica, the top-ranked bundler at 95.30, costs $2,831 per year and saves $427 annually, a smaller dollar amount despite a higher overall score.

Policyholders comparing options should also review the Allstate bundle, which scores 91.47 at $3,584 per year, and the GEICO bundle for auto-focused shoppers. The Progressive bundle scores 90.67 at $4,417 per year, making State Farm a better value on both score and price for most policyholders. Coverage levels and driver profile are identical across all comparisons.

State Farm’s home and auto bundle costs $3,104 per year, or $259 per month. Buying the same policies separately costs $3,889, making the bundle discount $786 annually, a 20.2% reduction. No other bundler in this guide delivers more savings. The auto portion averages $$198 per month ($2,377 annually), and the home portion averages $61 per month ($727 annually). 

At $3,104 per year, State Farm’s bundle is mid-range. It costs more than MMG Insurance at $1,347 per year, but less than Travelers at $5,597 and Progressive at $4,417. Its competitive pricing and the largest dollar discount in the group both contribute to its 10th-place overall ranking.

MoneyGeek's pricing shows a 40-year-old male driver with a clean record, good credit and a 2012 Toyota Camry LE, paired with a 2,500-square-foot frame home built in 2000. Auto coverage is set at 200/300 with a $1,000 deductible; home coverage is $100K dwelling, $50K personal property and $100K personal liability.

State Farm's bundle is available in 40 states. Annual costs range from $1,292 per year in Vermont to $6,397 per year in Louisiana, based on rate data for a 40-year-old driver with good credit and a clean record. Louisiana and Florida are the highest-cost states at $6,397 and $4,855 per year, respectively, caused by weather-related home insurance costs.
The bundle discount varies by state, ranging from 12.1% in Florida to 24.8% in South Dakota. That range means the value of bundling with State Farm depends partly on where you live.

State Farm's bundle is best for homeowners who want a large, consistent multi-policy discount from a single carrier that underwrites both policies. Its 20.2% discount leads all bundlers reviewed, and its home coverage ranking of fourth nationally means policyholders get above-average home insurance.

The bundle is a good fit for policyholders in mid-cost states like Idaho ($1,504 per year) and Vermont ($1,292), where State Farm's pricing is well below the national average and the discount still runs 16% or higher. In high-cost states like Louisiana and Texas, the bundle stays competitively priced. 

Reading the full State Farm car insurance review and company review gives a fuller picture of State Farm's auto performance before committing to the bundle.

The bundle is a weaker fit for policyholders who mainly want breadth of auto coverage. State Farm's auto coverage score of 5.90 out of 10 ranks 11th, behind competitors like Progressive (9.64, ranked 2nd) and Farmers (ranked 1st). Compare quotes from high-scoring insurers first if add-on auto coverage options like gap insurance or rideshare coverage are your priorities.

State Farm's multi-policy discount applies automatically when you bundle home and auto coverage, saving an average of $786 per year, or 20.2%. State Farm has several additional insurance discounts that can lower the auto portion of the combined premium.

Drive Safe & Save is State Farm's telematics program, tracking driving behavior through a mobile app to reward safe drivers with reduced rates. State Farm also includes discounts for accident-free driving records, completing a driver training course, insuring multiple vehicles and being a student with good grades.

Discounts are available for protective devices like smoke detectors and alarm systems, as well as for a claim-free history on the home policy.

Policyholders who qualify for both a good-driver discount and the bundle discount see the steepest reductions. The home discounts for protective devices add to the savings.

State Farm's $786 annual savings are the best among insurers in this guide. Its 20.2% discount rate also ranks first, more than three percentage points above the next closest, Farmers at 17.4%.

The discount's size comes from State Farm writing both the home and auto policy directly, giving it full control over multi-policy pricing. Carriers that partner with third-party home insurers, like Progressive, have less ability to discount across both lines.

State Farm's bundle pairs a homeowners policy and an auto policy. The auto side covers liability, collision and comprehensive as core options, with add-ons for rental reimbursement, roadside assistance and rideshare coverage. 

The home side covers dwelling damage, personal property loss, other structures and personal liability, with optional endorsements for water damage, equipment breakdown and identity restoration coverage.

State Farm's direct underwriting of auto and home policies simplifies claims coordination when damage affects a home and vehicle in the same event.

State Farm's home and auto bundle scores 92.20 out of 100 and ranks 10th nationally, with the highest dollar savings ($786 per year) and highest discount rate (20.2%) reviewed. At $3,104 per year, it sits in the mid-range on price while providing fourth-place home coverage quality and a consistent discount across all 40 states where it writes the bundle. 

For policyholders who want strong home coverage, a large multi-policy discount and a single carrier for both policies, State Farm is worth comparing against the top-ranked options. Getting a quote from the best insurance companies alongside a State Farm quote gives you the full pricing picture.

The questions below cover what policyholders most often ask before bundling home and auto with State Farm.

MoneyGeek evaluated State Farm's home and auto bundle using data from various sources. We scored State Farm separately on its auto and home performance, then combined both scores into a single bundle rating.