Top Homeowners and Auto Insurance Bundle: What You Need to Know [2023]
When you need cheaper insurance, look for an auto insurance company offering home and auto insurance bundles. Most major insurance companies offer this bundle. However no two insurance companies are alike so you should always request a few free quotes to review before making any decisions. With your smartphone or tablet, you can get auto insurance quotes with home and auto insurance bundles from the comfort of your home.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Jun 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
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
| Companies | Single 17-Year-Old Female Rates | Single 17-Year-Old Male Rates | Single 25-Year-Old Female Rates | Single 25-Year-Old Male Rates | Married 35-Year-Old Female Rates | Married 35-Year-Old Male Rates | Married 60-Year-Old Female Rates | Married 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 |
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 Discounts | Allstate (%) | American Family (%) | Farmers (%) | Geico (%) | Liberty Mutual (%) | Nationwide (%) | Progressive (%) | State Farm (%) | Travelers (%) | USAA (%) |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | N/A | N/A | N/A | N/A | 5 | x | x | N/A | N/A | N/A |
| Adaptive Headlights | N/A | N/A | x | N/A | 5 | x | x | N/A | N/A | N/A |
| Anti-lock Brakes | x | x | x | 5 | 5 | 5 | x | 5 | x | x |
| Anti-Theft | x | x | x | 25 | 20 | 25 | x | 15 | x | x |
| Claim Free | x | x | x | 26 | x | 10 | x | 15 | 23 | 12 |
| Continuous Coverage | x | x | x | x | N/A | N/A | x | N/A | 15 | N/A |
| Daytime Running Lights | x | x | x | 1 | 5 | 5 | x | N/A | x | x |
| Defensive Driver | x | x | x | x | 10 | 5 | 10 | 5 | 10 | 3 |
| Distant Student | x | x | x | x | N/A | 10 | x | x | 7 | x |
| Driver's Ed | x | x | x | x | 10 | N/A | 10 | 15 | 8 | 3 |
| Driving Device/App | x | x | N/A | x | 30 | 40 | 20 | 50 | 30 | 5 |
| Early Signing | x | x | x | x | N/A | 8 | x | N/A | 10 | 12 |
| Electronic Stability Control | x | x | x | N/A | 5 | x | x | N/A | N/A | N/A |
| Emergency Deployment | N/A | N/A | N/A | 25 | N/A | N/A | N/A | N/A | N/A | N/A |
| Family Legacy | N/A | x | N/A | x | N/A | N/A | x | N/A | N/A | 10 |
| Family Plan | N/A | x | x | N/A | N/A | 25 | N/A | N/A | N/A | N/A |
| Farm Vehicle | x | N/A | x | x | N/A | N/A | N/A | N/A | N/A | N/A |
| Federal Employee | N/A | N/A | x | 8 | 10 | N/A | N/A | N/A | N/A | N/A |
| Forward Collision Warning | N/A | N/A | N/A | N/A | 5 | x | x | N/A | N/A | N/A |
| Full Payment | N/A | x | x | x | $5 | N/A | x | N/A | 7.5 | N/A |
| Further Education | N/A | N/A | N/A | x | 10 | 15 | N/A | N/A | x | N/A |
| Garaging/Storing | N/A | N/A | x | N/A | N/A | N/A | N/A | N/A | x | 90 |
| Good Credit | x | x | N/A | N/A | N/A | x | x | x | N/A | N/A |
| Good Student | x | x | x | 15 | 22.5 | 10 | x | 25 | 8 | 3 |
| Green Vehicle | x | N/A | 5 | N/A | 10 | N/A | N/A | N/A | 10 | N/A |
| Homeowner | N/A | N/A | x | x | x | 5 | x | 3 | 5 | N/A |
| Lane Departure Warning | N/A | N/A | N/A | N/A | x | x | x | N/A | N/A | N/A |
| Life Insurance | x | N/A | N/A | N/A | N/A | x | N/A | N/A | N/A | N/A |
| Low Mileage | x | x | x | x | x | x | x | 30 | x | x |
| Loyalty | N/A | x | N/A | x | N/A | 5 | x | N/A | N/A | x |
| Married | N/A | N/A | N/A | N/A | x | x | x | x | N/A | x |
| Membership/Group | N/A | N/A | N/A | x | 10 | 7 | N/A | N/A | x | N/A |
| Military | x | N/A | x | 15 | 4 | N/A | N/A | x | N/A | x |
| Military Garaging | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15 |
| Multiple Drivers | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Multiple Policies | 10 | 29 | x | 10 | 20 | 10 | 12 | 17 | 13 | x |
| Multiple Vehicles | x | x | x | 25 | 10 | 20 | 10 | 20 | 8 | x |
| New Address | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| New Customer/New Plan | N/A | N/A | N/A | N/A | x | N/A | N/A | N/A | N/A | N/A |
| New Graduate | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Newer Vehicle | x | N/A | x | x | N/A | x | x | 40 | 10 | 12 |
| Newly Licensed | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Newlyweds | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Occasional Operator | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | x |
| Occupation | x | N/A | x | x | 10 | 15 | N/A | N/A | x | N/A |
| On-Time Payments | x | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15 | N/A |
| Online Shopper | N/A | N/A | N/A | N/A | N/A | N/A | 7 | N/A | N/A | N/A |
| Paperless Documents | x | x | x | N/A | N/A | 5 | $50 | N/A | N/A | N/A |
| Paperless/Auto Billing | x | x | x | N/A | x | $30 | x | $2 | 3 | 3 |
| Passive Restraint | x | x | x | 40 | x | 20 | x | 40 | x | x |
| Recent Retirees | N/A | N/A | N/A | N/A | 4 | N/A | N/A | N/A | N/A | N/A |
| Safe Driver | N/A | N/A | x | 15 | N/A | 35 | 31 | 15 | 23 | 12 |
| Seat Belt Use | N/A | N/A | N/A | 15 | N/A | N/A | N/A | N/A | N/A | N/A |
| Senior Driver | x | N/A | x | N/A | N/A | N/A | N/A | N/A | N/A | x |
| Stable Residence | N/A | N/A | N/A | N/A | N/A | x | x | N/A | N/A | N/A |
| Students & Alumni | N/A | x | N/A | x | 10 | 7 | N/A | N/A | N/A | N/A |
| Switching Provider | N/A | x | x | N/A | 10 | N/A | x | N/A | N/A | N/A |
| Utility Vehicle | x | N/A | x | x | N/A | N/A | N/A | N/A | N/A | N/A |
| Vehicle Recovery | x | x | x | 15 | 35 | 25 | x | 5 | x | x |
| VIN Etching | N/A | N/A | x | N/A | 5 | x | x | N/A | x | x |
| Volunteer | N/A | x | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Young Driver | N/A | N/A | N/A | N/A | x | N/A | x | N/A | N/A | $75 |
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%
Secured with SHA-256 Encryption
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.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.