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 Daniel Walker

UPDATED: Feb 8, 2022

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The Lowdown

  • Bundling your home and auto policies can earn you a substantial discount
  • You can shop for free insurance quotes online
  • Other types of policies can be bundled for a discount

Have you ever wondered whether or not you should bundle your home and auto insurance?

If you want to save money on both your home and auto insurance policies, then yes, you probably should. Simply using one company to provide insurance protection for your home and car can save you quite a bit of money. You can find affordable home and auto insurance bundles by shopping online for the best company for you.

Whether you’re using your smartphone or your laptop, you can start your search for free auto insurance quotes with home and auto insurance bundles.

Excited to see how much you could save when you bundle your insurance policies? Enter your ZIP code to get free quotes today.

What is bundled insurance?

When you purchase more than one policy from an insurance company, that is called bundling. Bundling your insurance is typically a very smart financial move as most insurance companies offer substantial bundling discounts. An Insurance company will do this because when you buy purchase multiple policies, you are increasing the company’s book of business and increasing its revenue.

If you have different types of insurance policies with a variety of insurance companies, you may want to consider choosing just one company to protect you and earn bundled discounts like:

  • Motorcycle and auto
  • Life and auto
  • Life and home
  • Umbrella, life, and home
  • Home and auto

The most commonly sought-after discount on this list is the home and auto discount. Most insurance companies today claim to offer home insurance and auto insurance bundling discounts, but you should always read the fine print to make sure that you are actually being offered a deal worth taking.

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Who is the best insurance company for home and auto?

Drivers looking for a new auto insurance company with home and auto insurance bundles will be faced with a lot of choices. However, when you begin shopping for the best multi-policy insurance companies, you should consider getting insurance quote bundles from these companies:

  • Progressive
  • Nationwide
  • State Farm
  • GEICO
  • Allstate
  • USAA

Now, if you want to lower your auto insurance rates, home and auto insurance bundles can certainly do the trick.

Progressive advertises that you can save up to 12% on your car insurance when you bundle your home and auto together, and while Nationwide doesn’t have a strict amount that it promises applicants, you can be sure to still see a reasonable discount on your policies.

On the other hand, State Farm advertises that you could potentially save up to 17% on your auto insurance and even over 30% on your home insurance. Savings like that are certainly nothing to sneeze at.

GEICO also touts that you could save 3-8% on car insurance when you bundle, which isn’t the largest amount of savings on this list, but it would still save you some money.

Allstate gives the rest of the companies on this list a for their money by offering a potential savings of up 25% on car insurance and up to 10% on your homeowner’s policy.

Last but not least is USAA. If you are an active-duty service member or a veteran, you can save up to 10% on your home insurance and between 3-5% on your car insurance when you bundle with this company.

No matter which company you pick, every one on this list is well established in the insurance industry and can get you the coverage you need at the rates that fit your budget.

How much does home and auto insurance cost?

Home and auto insurance rates, even with a bundle discount, will be different from person to person. This is due to the fact that no two people are exactly identical, and insurance companies know this. That’s why every insurance company uses an underwriting process to evaluate applicants and determine each person’s individual risk level.

In order to find you an accurate rate, an insurance company needs to know a lot of details about you, like your address, your age, your marital status, and more. You can see in the data table below how the specifics of your circumstances can change your insurance rates drastically with a range of insurance companies:

Average Monthly Auto Insurance Rates by Age, Gender, and Marital Status

CompaniesSingle 17-Year-Old Female RatesSingle 17-Year-Old Male RatesSingle 25-Year-Old Female RatesSingle 25-Year-Old Male RatesMarried 35-Year-Old Female RatesMarried 35-Year-Old Male RatesMarried 60-Year-Old Female RatesMarried 60-Year-Old Male Rates
Allstate$774$887$285$298$263$260$243$249
American Family$500$678$191$225$184$185$166$168
Farmers$710$762$246$253$213$213$195$204
GEICO$471$523$198$189$192$193$187$190
Liberty Mutual$968$1,143$330$375$317$321$287$307
Nationwide$480$598$224$241$197$199$178$185
Progressive$724$802$225$230$191$181$166$171
State Farm$496$610$195$213$173$173$156$156
Travelers$776$1,071$194$208$182$183$171$173
USAA$401$449$166$177$129$128$121$121
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Now, bear in mind that the fate of your insurance rates isn’t totally outside your control. Most companies offer other tools that you can use to reduce your rates.

Do insurance companies offer other kinds of discounts?

When you buy auto insurance, home and auto insurance bundles aren’t the only discounts that will be available to you. Most insurance companies offer a wide range of discounts that can help you reduce your rates. Now, knowing what kinds of discounts are available at which companies can help you narrow down your choices as you shop.

Use this data table displaying the different types of discounts offered by major insurance companies as a guide so you can find the best insurance policy for you:

Auto Insurance Discounts from Top Companies

Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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As you can see, you have many opportunities to save on your insurance, but, of course, the optimal way to keep your rates low is to avoid accidents, follow all traffic laws, and take defensive driving courses when you can. Not only will these steps help keep your rates low, but you’ll be able to increase your safety when you’re out on the road too.

Compare Insurance Providers Rates to Save Up to 75%

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What You Need to Know About Affordable Home and Auto Insurance

You can bundle your home and auto insurance together to get some great savings on your insurance rates. Luckily, most of the top insurance companies in the industry offer this bundle which can make insurance more affordable.

Now, you must remember to collect at least five different quotes before making your decision to purchase one. Every company has something unique to bring to the table, so you should make sure you have all the information you need to make the best decision for you before you sign anything on the dotted line.

Don’t wait to get the best home and auto insurance discount available. Enter your ZIP code to get free quotes from insurance companies near you today.