Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 28, 2021

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The Lowdown

  • The best affordable auto insurance companies that bundle home and auto are USAA, State Farm, and Allstate
  • Affordable auto insurance companies that don’t bundle home and auto are Safe Auto and The General
  • Drivers save an average of 17% annually when they bundle home and auto insurance

Bundling your home and auto insurance policies may lead to a 17% annual rate reduction if you own a home. The best affordable auto insurance companies that bundle home and auto are USAA, State Farm, and Allstate.

However, qualifying for multiple policy insurance discounts doesn’t always lead to your cheapest possible rates for some drivers.

Keep reading to learn what companies offer home and auto insurance bundles and discover tips for determining if combining your home and auto policies is right for you.

After you learn how to buy auto insurance from companies that bundle home and auto, remember to enter your ZIP code into our free rate tool above to compare quotes from the best companies near you.

What are the best auto insurance companies that bundle home and auto?

For many homeowners, auto insurance rates from companies that bundle home and auto cost less than purchasing the policies separately.

Many customers save an average of 17% annually by bundling their auto and home insurance policies.

Plus, it’s more convenient to go through one company for all of your potential home or auto claims, bills, and other needs.

Compare the potential annual savings you might qualify for by different providers that bundle home and auto insurance policies in the table below:

Potential Annual Home and Auto Insurance Bundle Savings by Provider
CompaniesPotential Annual Home and Auto Insurance Bundle Discount
Allstate25%
Farmers20%
Liberty Mutual$947
Nationwide20%
Progressive20%
State Farm$965
Travelers10%
USAA10%

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Potential multiple policy discount rates are not the only factor to consider when choosing a provider. We also must view the average annual auto insurance rates by company.

For example, the 25% discount from Allstate cannot lead to your cheapest rates if that provider is not active or competitive where you live.

Check out the average annual cost of auto insurance by provider in the table below:

Average Annual Auto Insurance Rates by Provider
CompaniesAverage Annual Auto Insurance Rates
Allstate$3,819.90
Farmers$4,999.27
Liberty Mutual$4,774.30
Nationwide$3,940.25
Progressive$4,218.00
State Farm$2,821.18
Travelers$3,447.69
USAA$1,933.68

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Take these averages with a grain of salt, as rates by these providers may look very different than the averages above in your specific ZIP code.

So who is the best insurance company for home and auto bundles? Our top recommended provider is USAA Auto Insurance Company, even though only military personnel can use its services.

USAA provides affordable auto insurance rates to those who qualify, and the homeowner rates are just as competitive.

Applying a multi-policy discount to the already lower than average rates makes prices from USAA the cheapest, even if the discount rate is not the most substantial.

Plus, financial reviews and customer service ratings remain optimistic for this provider.

The next auto insurance company that bundles home and auto that we recommend is State Farm Auto Insurance Company.

Available to everyone, State Farm offers some of the cheapest base quotes for auto insurance in the nation.

The provider also offers the following stackable discounts that can help homeowners save even more money:

  • Homeowner discount
  • Multiple policies discount – 17%
  • Multiple vehicles discount – 20%

Allstate Auto Insurance Company is an excellent option in the regions where the provider is most competitive.

In addition, Allstate offers a shrinking deductible homeowner discount to clients who remain claim-free.

However, many different variables impact the cost of auto insurance. For example, underwriters consider your age, driving record, coverage needs, and ZIP code when calculating your premiums.

If the providers mentioned above cannot provide you with your best rates, add some of our honorable mentions to your comparison list:

An auto insurance company that doesn’t bundle home and auto is Safe Auto. This provider does not offer any multi-policy discounts as it only underwrites auto insurance.

The General also does not sell homeowners insurance and does not offer this bundling deal.

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What is a home and auto bundle?

A home and auto bundle means you purchase both auto and homeowners insurance policies through a single provider.

However, according to the National Association of Insurance Commissioners (NAIC), insurance bundles are not limited to just home and auto insurance.

Technically, using non-insurance products, like a telematics program, to earn a discount on your auto insurance is also a form of bundling.

Some companies refer to this as a multiple policy discount, which means you purchase two lines of insurance coverage through one company.

So besides home and auto bundles, you can also bundle the following coverages through some insurers:

  • Condo insurance
  • Life insurance
  • Pet insurance
  • Motorcycle insurance
  • Renters insurance

However, to bundle home and auto insurance the right way, start by understanding what level of coverage you’re legally required to purchase. Auto insurance minimums change by state.

Next, verify how much auto insurance coverage you already have. For many drivers, switching to a company for cheaper rates but sacrificing your protection limits might not be the best choice.

Then, seek out auto insurance quotes online from multiple providers using the same insurance limits. Ask for both bundled quotes and individual quotes for comparison purposes.

Finally, ask about insurance deductibles, as some companies combine home and auto insurance deductibles if a claim impacts both properties.

Is bundling home and auto insurance right for you?

Who should buy home and auto insurance bundles? Even if you have auto and homeowners insurance, shop around and compare quotes online to verify that you’re still paying competitive rates.

If your auto insurance quotes from companies that bundle home and auto policies prove to be the cheapest, then it’s time to make the switch.

Plus, if you want the convenience of paying for both bills and filing claims in a single place, insurance bundles are right for you.

However, know that the cost of insurance bundles varies by state, as not every provider is active in every region.

Who should ​​buy auto insurance from companies that don’t bundle home and auto? People who do not own homes do not need to consider home and auto bundles when comparison shopping for auto insurance.

Also, home insurance risks do not match auto insurance risks. For example, when calculating your auto insurance costs, your provider does not consider details about your dog’s breed or if you own a trampoline.

But some home insurance companies do not cover certain dog breeds or charge higher rates if you have an in-ground pool. So avoid switching to a company that increases costs due to those risks if they impact you.

If your driving record is rocky or your credit score is poor, bundling home and auto insurance might cost you more than keeping the policies separate.

Similarly, if the cheapest auto and home insurance deals still cost more than purchasing the two policies from separate companies, then it’s not worth it.

But remember, cheap rates are not the only factor to consider when choosing insurance providers. Financial security, customer service reviews, and claims center evaluations are also worth checking out.

So while you might receive very cheap auto insurance quotes from companies that don’t bundle home and auto, research the provider’s financial ratings and customer service reviews before signing any contracts.

How else can you save money on auto insurance?

Fortunately, there are many different ways homeowners can save money on auto insurance besides qualifying for an insurance bundle.

You might want to consider increasing your deductibles and shopping around to compare quotes at least once per year.

Also, ask your provider about the following standard auto insurance discounts:

  • Good driver discount
  • Loyalty discount
  • Marriage discount
  • Multiple car discount
  • Multiple drivers discount
  • Multiple policy discount
  • Newlywed discount
  • Paid-in-full discount
  • Paperless discount

If your vehicle comes equipped with anti-theft devices or safety features, inform your provider, as you might qualify for additional savings.

To find the best auto insurance company for you, compare quotes online from multiple different providers.

Secure the best homeowners insurance company for you by performing similar comparison shopping techniques.

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What You Need to Know About Auto Insurance Companies That Bundle Home and Auto

For many homeowners, purchasing both home and auto insurance through one provider is more convenient and cheaper.

Home and auto bundles or multi-policy discounts save clients an average of 17% annually, or around $800.

But if your auto insurance rates from companies that don’t bundle home and auto remain less expensive, then purchase your policies separately.

Now that you understand how ​​auto insurance rates from companies that bundle home and auto policies work, enter your ZIP code into our free tool below to immediately compare quotes from reputable providers near you.