Best auto & home insurance bundles (2024)

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Jennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
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Reviewed by

Fabio Faschi, PLCS, SBCS, CLCSFabio Faschi, PLCS, SBCS, CLCSLicensed Property & Casualty Insurance ExpertFabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker.

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Bundling is when you purchase auto and home insurance policies from the same company. One of the biggest reasons for doing so is the multi-policy discount many insurers offer — sometimes as much as 35%. Here, we break down the best and cheapest auto and car insurance companies for bundling in 2024.

Compare the best auto and home insurance companies

To determine the best auto and home insurance bundles, we analyzed sample bundling quotes, customer and claim satisfaction scores, financial strength ratings, and available auto and home insurance coverage options for over 50 companies.

Insurance company

policycentral bundling rating

Average bundling cost

Average bundling discount

Auto-Owners Insurance

4.9 out of 5

$2,405

12%

USAA

4.7 out of 5

$2,434

6%

State Farm

4.7 out of 5

$2,341

26%

Erie

4.5 out of 5

$2,142

18%

Farmers

4.0 out of 5

$3,450

18%

Best auto and home insurance bundles

Our pick for the best auto and home insurance bundle is Auto-Owners — thanks to its competitive rates, excellent customer satisfaction and financial stability ratings, and an extensive auto and home insurance coverage options. Our next top picks for the best insurance bundles of 2024 are USAA, State Farm, Erie, and Farmers.

Auto-Owners Insurance

Auto-Owners home insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers flood insurance

Mobile app

New homebuyer discount

Good student discount

Offers new car replacement

Offers gap coverage

Accident forgiveness

Offers motorcycle insurance

Why we chose itchevron icon

Auto-Owners Insurance earns the highest policycentral Bundling Rating thanks to its low rates, slew of home & auto insurance discounts, and excellent customer satisfaction scores.

Pros and conschevron icon

Pros

  • Offers 20+ home & auto insurance discounts to save even more

  • Only pay one deductible if your home & car are damaged in the same covered event

  • Below-average number of customer complaints

Cons

  • Only available in 25 states

  • Can't file claims online

More detailschevron icon

Home insurance discounts

  • Multi-policy

  • Responsible payment

  • Claim free

  • Loyalty

  • New homebuyer

  • Paperless billing

  • Protective device

  • Advance quote

  • Automatic backup generator

  • Water shutoff system

  • Mortgage-free

Auto insurance discounts

  • Multi-policy

  • Payment history

  • Green discount

  • Life multi-policy

  • Paid-in-full

  • Advance quote

  • Safety feature

  • Favorable loss history

  • Multi-car

  • High deductible

  • Good student

  • Student away at school

  • Teen driver monitoring

Auto-Owners offers a bundling discount of up to 12%, which brings its average bundling rate to around $2,405. We like this company for your home and auto insurance needs thanks to its extensive number of additional discounts offered, perfect AM Best rating, and fewer customer complaints for a company of its size according to the National Association of Insurance Commissioners (NAIC).

USAA

USAA logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Offers earthquake insurance

Smart home discounts

Mobile app

Good student discount

Usage-based discount

Offers motorcycle insurance

Offers gap coverage

Offers classic car insurance

Why we chose itchevron icon

USAA is a good choice for military members and their families looking to bundle their home and auto insurance together thanks to its competitive rates, slew of discount and coverage options, and best-in-class customer satisfaction ratings.

Pros and conschevron icon

Pros

  • 16+ discounts and perks for members of the armed forces

  • Pay no deductible if your uniform is damaged or stolen while on active duty

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended dwelling coverage options for home insurance

More detailschevron icon

Home insurance discounts

  • Multi-policy

  • Multi-product

  • Protective devices

  • Connected home

  • Loyalty

  • Claims-free

Auto insurance discounts

  • Multi-vehicle

  • Good driver

  • Good student

  • New vehicle

  • Anti-theft device

  • Storing your car

  • Garaging your car

  • Low mileage

  • Legacy

  • Loyalty

USAA offers a bundling discount of up to 6%, which brings its average bundling rate to around $2,434 per year. It's a good option for current and retired military members who are looking for a company with high financial strength ratings, as well as strong claims and customer satisfaction scores from J.D. Power.

State Farm

State Farm logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Bundle home & auto

Mobile app

Offers extended replacement cost

Offers earthquake insurance

Offers flood insurance

Offers wildfire insurance

Good student discount

Coverage for rideshare drivers

Offers motorcycle insurance

Usage-based discount

Why we chose itchevron icon

State Farm's nationwide availability, low bundling rates, and outstanding customer satisfaction scores makes it a top pick for bundling your home and auto insurance. It also earned the award "Best Insurance Company for High-Risk Homes" earlier this year.

Pros and conschevron icon

Pros

  • Score an extra 30% off your auto insurance rate with its special usage-based program

  • High customer satisfaction scores & financial stability ratings

  • Can bundle homeowners, renters, condo, auto, & life insurance policies

Cons

  • Not many speciality car insurance coverage add-ons, like full glass coverage or lock replacement

  • Fewer home insurance discount opportunities than competitors

More detailschevron icon

Home insurance discounts

  • Multi-policy

  • Protective devices

  • Fortified roofing

  • Higher deductible

Auto insurance discounts

  • Safe driver

  • New driver

  • Accident-free

  • Defensive driving course

  • Vehicle safety devices

  • Passive restraint system

  • Anti-theft

  • Multi-auto

  • Multi-policy

State Farm offers a bundling discount of up to 26%, which brings its average bundling rate to around $2,341 per year. It earns a spot on our best bundling list thanks to its strong financial strength ratings, below-average number of customer complaints according to the NAIC, and 20 home and auto policy endorsements for even more robust coverage.

Erie

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers flood insurance

Bundle home & auto

Mobile app

Offers gap coverage

Offers new car replacement

Usage-based discount

Coverage for rideshare drivers

Accident forgiveness

Why we chose itchevron icon

Erie stands out thanks to its extremely competitive bundling rates, handful of insurance policies you can bundle together, and outstanding coverage perks. We also love Its auto insurance rate lock that lets you avoid premium rate hikes year after year.

Pros and conschevron icon

Pros

  • Very low rates for bundling home & auto insurance

  • Offers guaranteed replacement cost coverage for your home

  • Lets you lock in your auto insurance rate to avoid rate hikes year after year

Cons

  • Fewer home & auto insurance discounts than competitors

  • Above-average complaints for auto customers

More detailschevron icon

Home insurance discounts

  • Multi-policy

  • Protective devices

  • Advanced quote

Auto insurance discounts

  • Safe driver

  • Car safety equipment

  • Multi-car

  • Multi-policy

  • Reduced usage

  • Young driver

  • Annual payment plan

Erie offers a bundling discount of up to 18%, which brings its average bundling rate to around $2,142 per year — the cheapest of any company on this list. It stands out from the competition due to its 20 home and auto coverage endorsements, high financial strength rating with AM Best, and strong claims and customer satisfaction scores with J.D. Power.

Farmers

Farmers Insurance logo

policycentral rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Offers earthquake insurance

Offers flood insurance

Smart home discounts

Bundle home & auto

Mobile app

Good student discount

Offers new car replacement

Offers motorcycle insurance

Accident forgiveness

Why we chose itchevron icon

Farmers stands out thanks to its dozens of insurance discounts available, slew of insurance offerings you can bundle that go beyond just home and auto policies, and stellar customer complaint scores.

Pros and conschevron icon

Pros

  • Offers 30+ home & auto insurance discounts to help you save even more

  • Can bundle homeowners, auto, life, umbrella, small business, and specialty insurance policies to save on premiums

  • Below-average customer complaints compared to competitors

Cons

  • Doesn’t offer gap insurance for auto customers

  • Financial strength ratings are lower than other companies on this list

More detailschevron icon

Home insurance discounts

  • Affinity

  • Multi-line

  • Electronic policy

  • UL-approved roof

  • New home

  • Protective devices

  • Home safety

  • Green certifications

  • Claims-free

  • Smart home

  • Rent-to-own

  • Preferred payment

  • Good payer

  • HOA gated community

Auto insurance discounts

  • Multi-line

  • Multi-car

  • Affinity

  • Electronic policy

  • Good payer

  • Safe driver

  • Distant student

  • Youthful driver

  • Good student

  • Shared family car

  • On your own

  • Mature driver

  • Homeowner

  • Alternative fuel

  • Monthly autopay

  • Pay in full

  • Anti-lock brakes

  • Anti-theft devices

  • Daytime running lights

  • Passive restraint

  • Homing device

  • VIN etching

Farmers offers a bundling discount of up to 18%, which brings its average bundling rate to around $3,450 per year. It offers 36 home and auto insurance discounts to save even more — the highest of any other company on this list — and 35 policy endorsements for increased coverage on your policies. It also scores well with AM Best for its financial strength and receives 50% fewer customer complaints according to the NAIC.

Methodology

How we chose the best companies for bundling

At Policygenius, our educational guides are written and fact-checked by licensed home insurance experts and reviewed by our Financial Review Council to ensure autonomy, expertise, and accuracy.

To find the best insurance companies for bundling home and auto insurance, we researched, analyzed, and rated companies across different ratings and metrics, including average annual bundling premiums, AM Best ratings, J.D. Power customer satisfaction and claims ratings, NAIC customer complaint numbers, and more.

We rated 10 companies in the following areas, weighted differently based on order of importance to customers in 2022.

Cost (35%)

We calculated each company’s average annual rate when you bundle your home and auto insurance policies, and also factored in the number of home and auto insurance discounts offered by each company.

Rates are based on the following coverage limits:

  • Auto bundling rate: Based on a 30-year-old male driver with a 2017 Toyota Camry and the following limits on a full-coverage policy: bodily injury liability ($50,000 per person, $100,000 per accident), property damage liability ($50,000 per accident), uninsured/underinsured motorist($50,000 per person, $100,000 per accident), comprehensive ($500 deductible), and collision ($500 deductible)

  • Home bundling rate: Based on a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits: dwelling ($300,000), other structures ($30,000), personal property ($150,000), loss of use ($60,000), liability ($300,000), and medical ($1,000)

Financial confidence (25%)

Our financial confidence score is based on each company's rating with AM Best, Standard & Poor's, and Moody's — three of the insurance industry's leading credit rating agencies that measure a company's financial strength and stability.

Customer experience (20%)

Our customer experience rating is based on each company's score on J.D. Power's customer satisfaction, claims satisfaction, and digital experience surveys. These surveys rate companies based on policy offerings and billing processes, customer service around claims, and their desktop and mobile web experience.

We also factored in each company's score on the National Association of Insurance Commissioner Customer Complaint Index, which measures whether the company receives more or less complaints than the average insurance company of its size.

Coverage (20%)

Our coverage rating is based on the number and quality of coverage add-ons, tiers of coverage, and policy perks offered by each company for both home and auto insurance.

Once we determined each company’s policycentral bundling score, our team of insurance experts analyzed the list to choose the best options overall.

Why you can trust Policygenius

As an online insurance marketplace, policycentral works closely with homeowners all over the U.S. to help them find a home insurance policy that suits their needs — without bias or favor toward any one company. We don’t get paid for our company reviews, and our ratings reflect the latest pricing data, financial ratings, third-party reviews, and policy options from each company. In addition to using reputable external sources, we also leverage a vast library of internal resources, data points, and insights from our own team of home insurance experts.

Our ratings and company reviews can point you toward an insurer that you can rely on to protect your home and livelihood, but the best homeowners insurance company is based on several different factors. A licensed agent at policycentral can guide you through your home insurance quotes and help you get the right coverage at the best price.

Ready to bundle your auto & home insurance?

Do companies offer auto and renters insurance bundles?

Yes, many companies make it possible for you to bundle a renters insurance policy with your auto insurance policy. In general, you can bundle any property insurance policies together — like condo and auto insurance; or car, home and motorcycle insurance — as long as your insurance company offers them. Check with your provider to see which bundling options are available to you.

Cheapest auto and home insurance bundles

When considering solely cost when comparing home and auto insurance companies to bundle your policies with, PEMCO is the cheapest option. According to our research, the average annual cost to bundle both policies is $1,306 per year — with an average bundling savings of 19%.

Insurance company

Average bundling cost

Average savings

PEMCO

$1,306

19%

Vermont Mutual

$1,484

25%

Island Insurance

$1,532

8%

Texas Farm Bureau

$1,646

10%

MAPFRE Insurance

$1,663

23%

Keep in mind that these are regional insurance companies that only work in a handful of states. If you don't live in a state that these insurance companies write policies in, look into regional insurance companies where you live — they're often able to pass on savings to consumers since they're serving a smaller group of policyholders.

Ready to bundle your auto & home insurance?

Values logo

18% of homeowners care MOST about bundling their home & auto insurance together

According to the policycentral Home Insurance & Inflation Shopping Survey of 2023, around 18% of homeowners consider the ability to bundle their home and auto insurance with one company to be the most important factor when shopping for a policy. This isn't surprising, since you can often find the best deal thanks to special bundling discounts offered by most insurance companies.

How to compare the best home and auto insurance quotes

To bundle your auto and home insurance, the easiest way to get started is by using an insurance marketplace like policycentral — we'll do all of the work for you. 

Here's what you can expect during the bundling process with policycentral and how to compare policies to find the best one for you:

  1. Answer questions about your home and auto coverage needs. Then one of our licensed insurance agents will pull auto and home insurance bundle quotes from top companies for you to consider. They'll also help you figure out if you need more or less coverage, and give you advice about any additional coverage you might want to consider. All for free, with no impact to your credit score.

  2. Compare rates, coverages, customer ratings, and financial strength. Comparing rates from multiple companies will help you ensure you’re getting the best coverage at the lowest price. You’ll also want to compare customer satisfaction and financial stability ratings along with the price to make sure you're not sacrificing quality just to save a few bucks. 

  3. Sign your new policies and pay your first premiums. Once you’ve chosen a company to bundle with, your policycentral agent will fill out all of the paperwork you need to purchase the policies. All that you'll need to do is sign on the dotted line and pay your first premium.

  4. Cancel your old policies. Once you’ve purchased your new policies and have a set date for when it will go into effect, it’s time to cancel your old insurance policies. Our policycentral agents will walk you through this entire process — and fill out all of the paperwork for you.

Values logo

Is it always cheaper to bundle your auto and home insurance?

Not necessarily. Every insurance company weighs factors differently when determining the risk of coverage, meaning the rates your home and car qualify for won’t be the same across the board. This is why it pays to compare quotes through an insurance marketplace like Policygenius. Our team of licensed insurance agents will crunch the numbers to help you find the best coverage at the lowest rates — whether that means bundling your policies or not. 

Should you bundle your home and car insurance?

Bundling isn't for everyone — especially if you can get cheaper rates by sticking with two separate companies. Here's a handy guide to help you determine if it makes sense to bundle your policies together.

Pros

  • Billing is all in one place. Bundling means all of your bundled policies are on a single bill and have the same due date, saving you time and lowering the likelihood of a missed payment.

  • Bundling can often lead to significant savings. In our analysis of the best companies for bundling, we found some carriers offer multi-policy discounts of up to 35% when you bundle — a significant savings amount compared to other home or auto insurance discounts.

  • Your house is considered high risk. Many insurers offer single deductible claims when you bundle. This means if your home and car are damaged in the same event, like a wildfire or tornado, you only have to make one out-of-pocket deductible payment when you file a home and auto insurance claim.

Cons

  • Purchasing coverage separately may be cheaper. Depending on what companies are available where you live and what other discounts they offer, you may land cheaper combined home insurance and auto insurance rates when you purchase the policies through separate companies.

  • Your polices may be managed by different companies. Some insurance agencies package together home and auto insurance policies from separate partnering companies and sell them as bundles. While this still can help you save on policies, it's a bit misleading and you don't have access to the other payment or policy management perks we've discussed.

Can I file a single insurance claim for home and car damage?

No — if your home and car are damaged in the same event, you’ll have to file two separate insurance claims. But if you bundle your home and car insurance, you may only need to pay one deductible for the damage.

Get your bundle quotes through Policygenius

Save

Save thousands on insurance premiums

The average policycentral customer saves $1,250 per year over what they were paying for coverage when they bundle their home and auto insurance.

Policy

Get multiple bundling quotes in one place

Talk to one insurance broker to get connected to quotes from the top insurers in the country — all for free with no impact to your credit and no spam calls to worry about.

Time

Never fill out any insurance paperwork

Bundling through policycentral means we'll do all the paperwork that comes with switching insurers — from purchasing your new policy to canceling your old ones.

Ready to bundle your auto & home insurance?

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Author

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Editor

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Expert reviewer

Fabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker.

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