Top Homeowners and Auto Insurance Bundle: What You Need to Know in 2025 (Save With These 10 Companies!)

Uncover insights on the top homeowners and auto insurance bundle, focusing on leading companies such as State Farm, USAA, and Progressive. Their unmatched customer service, comprehensive coverage, and innovative budgeting tools make them stand out in the competitive insurance landscape.

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Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Written by
Tim Bain
Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare.  Her experience in various industries has helped develop both her ...

Reviewed by
Laura Gunn

Updated February 2024

Best Auto Insurance Company for Top Homeowners and Auto Insurance Bundle: State Farm
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Table of Contents

Company Facts

Average Monthly Rate For Good Drivers

$33

A.M. Best Rating

A++

Complaint Level

Low
Runner Up Best Auto Insurance Company for Top Homeowners and Auto Insurance Bundle: USAA
4.7

Company Facts

Average Monthly Rate For Good Drivers

$83

A.M. Best Rating

A++

Complaint Level

High

Pros & Cons

  • High customer satisfaction
  • Available in all U.S. states and Washington, D.C.
  • Lower-than-average rates for drivers of all demographics
  • Ability to bundle policies and make USAA a one-stop-shop for insurance
  • A++ rating for financial security from A.M. Best
  • Good ratings from J.D. Power
  • Offers user-friendly mobile app
  • Eligibility is limited to service members, veterans, and their families
  • SafePilot, the company’s telematics program, is only available in 25 states
  • A high complaint index score
  • Hands-free calling lowers your SafePilot score
Third Best Auto Insurance Company for Top Homeowners and Auto Insurance Bundle: Progressive
4.0

Company Facts

Average Monthly Rate For Good Drivers

$105

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

  • Option to request an auto insurance quote online
  • Complete policy purchase online
  • Superior financial strength rating from AM Best
  • Available in all 50 states
  • Large network of local auto insurance agents
  • Offers Snapshot, a usage-based insurance option
  • Rideshare insurance available to Uber and Lyft drivers
  • Variety of discounts
  • Discounts are not available in all states
  • Snapshot results can trigger an increase in rates for certain drivers
  • Does not offer new car replacement
  • Does not offer pay-per-mile insurance for low-mileage drivers
  • Loan/lease coverage only pays the difference between 25% of the value of your vehicle and the remaining loan or lease amount.

Unlock the top homeowners and auto insurance bundle with the best insurance companies like State Farm, USAA, and Progressive, renowned for their exceptional customer service and innovative budgeting tools. State Farm emerges considering factors such as discounts, coverage options, and customer satisfaction.

Things To Remember

  • Insurance companies like State Farm, USAA, and Progressive offer great service and budgeting tools.
  • Bundling homeowners and auto insurance can save you money and simplify management.
  • Find the best rates by considering discounts, coverage, and customer satisfaction.

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.

Top 10 Companies Ranked for Top Homeowners and Auto Insurance Bundle: What You Need to Know in: Statefarm, USAA and Progressive

Our Top 10 Best Companies: Top Homeowners and Auto Insurance Bundle

Company LogoRankSee Pros/ConsMulti-Policy DiscountHome and Auto Bundle DiscountBest For
#1State Farm15%20%Bundling Policies
#2USAA12%18%Customer Service
#3Progressive10%15%Budgeting Tools
#4Allstate18%22%Customizable Policies
#5Farmers15%20%Local Agents
#6Nationwide12%17%Safe-Driving Discounts
#7Liberty Mutual20%25%Usage Discount
#8Travelers15%20%Online Convenience
#9American Family14%19%Add-on Coverages
#10Erie13%18%24/7 Support

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

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

#1 – State Farm: Bundling Policies

State Farm emerges as a top choice for bundling homeowners and auto insurance, offering comprehensive coverage, discounts, and exceptional customer satisfaction.

Jeff Root Licensed Life Insurance Agent

Pros

  • 15% Multi-policy discount: State Farm offers a substantial discount for bundling homeowners and auto insurance.
  • 20% Home and auto bundle discount: Customers can enjoy additional savings when bundling home and auto policies.
  • Extensive agent network: State Farm has a vast network of local agents, providing personalized service and assistance.

Cons

  • Varied bundle discounts: The actual discount may vary based on factors such as location, coverage options, and eligibility.
  • Limited online presence: For those who prefer managing policies online, State Farm’s online platform may not be as robust as some competitors.

Read more: State Farm Homeowners Insurance Review

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#2 – USAA: Customer Service

Pros

  • 12% Multi-policy discount: USAA offers a significant discount for bundling homeowners and auto insurance.
  • 18% Home and auto bundle discount: Bundling policies with USAA can lead to substantial savings.
  • Top-rated customer service: USAA consistently receives high marks for its exceptional customer service.

Cons

  • Limited membership: USAA is only available to military members, veterans, and their families, limiting eligibility for the general public.
  • Not available nationwide: USAA’s services may not be accessible in all areas.

Read more: USAA General Indemnity Company: Customer Ratings & Reviews

#3 – Progressive: Budgeting Tools

Pros

  • 10% Multi-policy discount: Progressive provides a discount for bundling homeowners and auto insurance.
  • 15% Home and auto bundle discount: Progressive offers additional savings for bundling home and auto policies.
  • Useful budgeting tools: Progressive provides tools to help customers manage their insurance costs effectively.

Cons

  • May not be the cheapest: While Progressive offers competitive rates, it may not always be the absolute cheapest option for everyone.
  • Average customer service: Some customers have reported average experiences with Progressive’s customer service.

#4 – Allstate: Customizable Policies

Pros

  • 18% Multi-policy discount: Allstate offers a substantial discount for bundling homeowners and auto insurance.
  • 22% Home and auto bundle discount: Customers can enjoy additional savings when bundling home and auto policies.
  • Customizable policies: Allstate provides a range of coverage options, allowing customers to tailor their policies.

Cons

  • May penalize accident forgiveness users: While Allstate offers accident forgiveness, some customers have reported premium increases after using this feature.
  • Relatively higher premiums: Some customers find Allstate’s premiums to be on the higher side compared to other insurers.

Read more: Allstate Homeowners Insurance Review

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#5 – Farmers: Local Agents

Pros

  • 15% Multi-policy discount: Farmers provides a discount for bundling homeowners and auto insurance.
  • 20% Home and auto bundle discount: Customers can enjoy additional savings when bundling home and auto policies.
  • Local agent support: Farmers has a network of local agents for personalized assistance.

Cons

  • May not be the cheapest: While Farmers offers competitive rates, some customers report higher premiums compared to other insurers.
  • Limited online tools: Farmers’ online tools and mobile app may not be as advanced as those of some competitors.

#6 – Nationwide: Safe-driving Discounts

Pros

  • 12% Multi-policy discount: Nationwide offers a discount for bundling homeowners and auto insurance.
  • 17% Home and auto bundle discount: Customers can enjoy additional savings when bundling home and auto policies.
  • Wide range of discounts: Nationwide provides various discounts, including safe-driving discounts.

Cons

  • May not be the cheapest: Similar to other larger insurers, Nationwide may not always provide the lowest premiums for every individual.
  • Mixed customer service reviews: Customer reviews on Nationwide’s customer service are mixed.

Read more: Nationwide General Insurance Company: Customer Ratings & Reviews

#7 – Liberty Mutual: Usage Discount

Pros

  • 20% Multi-policy discount: Liberty Mutual offers a significant discount for bundling homeowners and auto insurance.
  • 25% Home and auto bundle discount: Customers can enjoy additional savings when bundling home and auto policies.
  • Usage-based insurance: Liberty Mutual provides discounts for safe driving habits through its usage-based insurance program.

Cons

  • May not be the cheapest: Rates with Liberty Mutual may be higher compared to other options, especially for certain demographics.
  • Mixed customer reviews: Customer reviews for Liberty Mutual vary, with some praising its service and others expressing dissatisfaction.

Read more: Liberty Mutual Homeowners Insurance Review

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#8 – Travelers: Online Convenience

Pros

  • 15% Multi-policy discount: Travelers offers a discount for bundling homeowners and auto insurance.
  • 20% Home and auto bundle discount: Customers can enjoy additional savings when bundling home and auto policies.
  • User-friendly online platform: Travelers provides a convenient online platform for policy management.

Cons

  • May not have extensive local agents: Travelers’ local agent network may be more limited compared to some competitors.
  • Varied bundle discounts: The actual discount may vary based on factors such as location, coverage options, and eligibility.

#9 – American Family: Add-on Coverages

Pros

  • 14% Multi-policy discount: American Family offers a discount for bundling homeowners and auto insurance.
  • 19% Home and auto bundle discount: Customers can enjoy additional savings when bundling home and auto policies.
  • Option for add-on coverages: American Family provides additional coverage options for customization.

Cons

  • Mixed customer reviews: Customer reviews on American Family’s customer service are varied.
  • Varied monthly rates: Rates may vary based on factors such as location, driving history, and coverage options.

Read more: American Family Life Insurance Company Review

#10 – Erie: 24/7 Support

Pros

  • 13% Multi-policy discount: Erie offers a discount for bundling homeowners and auto insurance.
  • 18% Home and auto bundle discount: Customers can enjoy additional savings when bundling home and auto policies.
  • 24/7 customer support: Erie provides round-the-clock support for customer assistance.

Cons

  • May not be available in all areas: Erie may have limited availability, potentially excluding some customers.
  • Limited online tools: Erie’s online tools may not be as advanced as those offered by some competitors.

Read more: Erie Homeowners Insurance Review

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Analysis of Average Monthly Auto Insurance Rates for Bundled Coverage

Understanding coverage rates for bundled auto and homeowners insurance is crucial for informed decision-making. Analyzing average monthly rates across top insurance companies reveals key insights.

Average Monthly Auto Insurance Rates for Top Homeowners and Auto Insurance Bundle

Insurance CompanyFull CoverageMinimum Coverage
State Farm$86$33
USAA$59$22
Progressive$105$39
Allstate$160$61
Farmers$139$44
Nationwide$115$44
Liberty Mutual$174$68
Travelers$99$37
American Family$117$44
Erie$58$22

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USAA offers the lowest rates, with $59 for full coverage and $22 for minimum coverage. Liberty Mutual presents the highest rates at $174 for full coverage and $68 for minimum coverage.

Disparities in pricing among companies, like Allstate’s $160 for full coverage and $61 for minimum coverage, emphasize the importance of comparing options. By assessing these figures comprehensively, consumers can make well-informed choices when bundling insurance.

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.

Who is the best insurance company for home and auto?

Average Monthly Auto Insurance Rates for Top Homeowners and Auto Insurance Bundle

Insurance CompanyFull CoverageMinimum Coverage
State Farm$86$33
USAA$59$22
Progressive$105$39
Allstate$160$61
Farmers$139$44
Nationwide$115$44
Liberty Mutual$174$68
Travelers$99$37
American Family$117$44
Erie$58$22

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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. But if you are in doubt, read on how to get an Allstate auto insurance refund to find out more on their offered insurance.

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.

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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.

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.

If you’re interested in smaller insurance companies, you could also land yourself a bundling discount. For example, residents of Illinois and Indiana can receive a 20% bundling discount from Magnum insurance. See our Magnum homeowners insurance review.

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.

 

Frequently Asked Questions

What is a homeowners and auto insurance bundle?

A homeowners and auto insurance bundle is a combined insurance policy that offers coverage for both your home and your vehicles. Instead of purchasing separate policies for your home and car, you can bundle them together with a single insurance provider, often resulting in cost savings and added convenience.

What are the benefits of bundling homeowners and auto insurance?

Bundling homeowners and auto insurance offers several benefits. Firstly, it can lead to cost savings as insurance companies often provide discounts when you combine multiple policies. Bundling also simplifies your insurance management, as you have a single point of contact for both your home and auto insurance needs. Additionally, it can streamline claims processes and may offer extra perks or benefits, such as enhanced coverage options or deductibles.

Which insurance companies offer top homeowners and auto insurance bundles?

Several insurance companies offer top homeowners and auto insurance bundles. Some notable providers include State Farm, Allstate, Progressive, GEICO, and Farmers Insurance. These companies have established reputations, competitive pricing, and comprehensive coverage options for both homeowners and auto insurance.

How can I determine if bundling homeowners and auto insurance is right for me?

Determining if bundling homeowners and auto insurance is right for you depends on your specific circumstances. Consider factors such as your insurance needs, the coverage options provided by the insurance company, the potential cost savings, and the convenience of having a single insurer for both policies. It’s advisable to compare quotes, policy terms, and coverage details from different companies to make an informed decision.

Can I bundle homeowners and auto insurance if I have separate policies with different providers?

In most cases, you can bundle homeowners and auto insurance even if you have separate policies with different providers. Start by contacting your current insurance companies to inquire about bundling options. If one of the providers doesn’t offer the desired coverage, you may need to switch both policies to a new insurance company that offers bundled coverage.

Will bundling homeowners and auto insurance affect my coverage?

Bundling homeowners and auto insurance typically does not affect your coverage negatively. In fact, it can often provide enhanced coverage options and additional benefits. However, it’s crucial to review the policy terms and conditions to ensure that the bundled coverage adequately meets your needs. Pay attention to specific coverage limits, deductibles, and any exclusions that may apply.

How can I find the best homeowners and auto insurance bundle for my needs?

To find the best homeowners and auto insurance bundle for your needs, it’s recommended to compare quotes and policies from multiple insurance providers. Consider factors such as the coverage limits, deductibles, discounts offered, customer reviews, and the financial stability of the insurance company. You may also consult with an insurance agent or broker who can help assess your specific requirements and provide personalized recommendations.

Can I bundle other types of insurance with homeowners and auto insurance?

Yes, in addition to homeowners and auto insurance, you can often bundle other types of insurance as well. Depending on the insurance company, you may have the option to bundle additional policies such as renters insurance, motorcycle insurance, umbrella insurance, or even life insurance. Bundling multiple policies with the same insurance provider can lead to further discounts and convenience.

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