Best Home and Auto Insurance Bundles of 2025
State Farm is the best company for home and auto insurance bundles, receiving five out of five stars in our analysis. Erie and Nationwide are also top picks, each receiving 4.7 stars. To determine who offers the best home and auto insurance bundles, we evaluated 672 auto and home insurance rates from nine auto insurance companies. We also reviewed auto and home complaint data and analyzed bundling discounts.
How Does a Home and Auto Insurance Bundle Work?
When you bundle car and homeowners insurance, you get a discount. Many insurers provide a percentage discount on both your home and auto rates. For example, you may get 10% off your car insurance cost and 5% off your home insurance. However, not all companies calculate and apply bundle discounts in the same way. When shopping for coverage, be sure to ask how bundle discounts are calculated so you understand how they arrived at your final cost.
Is Bundling Your Home and Auto Insurance a Good Idea?
Bundling home and auto insurance policies with one company has advantages but isn’t always the best option. Review these pros and cons to see if bundling your home and auto is good for your particular needs.
Pros of Bundling:
- Save Money: The average discount is 14%, which is a savings of around $466 a year, according to our analysis.
- Save Time: Having only one insurance company to deal with for payments and customer service is convenient and can save you time.
- Multiple Policies, One Account: Many insurers let you manage your bundled home and auto policies under one online account or mobile app.
- Have a Single Deductible: Some companies, such as Progressive, apply one deductible to bundled home and auto policies if your house and car are damaged in one event.
Cons of Bundling:
- Not Always the Best Buy: You may be able to find cheaper prices for auto and home insurance policies by buying them separately from different companies.
- Not Always More Convenient: If your car insurance company doesn’t sell home insurance and instead partners with a different company, you may still be able to get a bundle discount but you won’t get perks like having one account.
- Might Not Fit Your Needs: If you want certain coverage types that aren’t available from a company that bundles, it’s better to stick with a company that gives you the coverage you want.
Our Expert Picks
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State Farm: Best Overall
- Average bundling discount: 23%
State Farm has the best average bundling discount (23%) among the companies we analyzed, a low level of complaints for auto insurance, and competitive prices.
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Erie: Great for Add-On Coverage
- Average bundling discount: 15%
Erie offers outstanding home and auto insurance coverage with add-on options like accident forgiveness, gap insurance, and new car replacement coverage.
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Nationwide: Best for Low-Cost Auto and Home Insurance
- Average bundling discount: 15%
Nationwide offers low-cost auto and home insurance rates plus a good bundling discount of 15%.
Methodology
To identify the best home and auto insurance bundles, we evaluated each company based on factors including bundling discount, auto insurance rates, home insurance rates, complaints about auto and home insurance, and more.
Frequently Asked Questions (FAQs)
Is it worth it to bundle home and auto insurance?
You will know if it’s worth bundling your home and auto insurance once you get insurance quotes to see if it’s cheaper than buying individual policies. The bundling discount is usually quite good, but there is no guarantee that bundling policies will be cheaper than buying individual policies from separate companies.
Why do insurance companies want you to bundle?
Insurance companies like it when you bundle auto and home insurance policies because they have more of your business. Also, people who bundle their home and auto insurance tend to stay with that company longer.
