Best Home and Auto Insurance Bundles in 2025

• Allstate: Best for Personalized Coverage
• Nationwide: Best for New Homes and Cars
• Progressive: Best for Multiple Products 
• State Farm: Best for Local Agents
• USAA: Best Military-Centric Options

As of 2025, strong home and auto insurance bundle options among widely available brands include Allstate, Nationwide, Progressive, State Farm, and USAA. We evaluated carriers using current bundle discounts, coverage options, additional discounts, and recent independent benchmarks for customer satisfaction and financial strength, along with complaint performance. Bundling can simplify billing and policy management and often delivers meaningful savings; typical home + auto bundles save about 15%–20% on combined premiums on average, while auto + renters bundles commonly save about 5%–10%. Multi-policy savings can usually stack with other discounts.

Compare the Best Home and Auto Insurance Bundles in 2025

Reviews.com chose these carriers using current data points, including recent J.D. Power satisfaction studies, A.M. Best financial strength, and complaint indicators. The carrier that is right for you may not be included on this list, and availability varies by state. Shopping around and comparing bundle and stand-alone quotes the same week can help you find the best coverage and price for your needs.

*J.D. Power 2024 U.S. Auto Insurance Study and 2024 U.S. Home Insurance Study. 

**USAA is not officially ranked by J.D. Power due to eligibility restrictions.

The Best Home and Car Insurance Bundles

*J.D. Power 2024 U.S. Auto Insurance Study and 2024 U.S. Home Insurance Study. 

**USAA is not officially ranked by J.D. Power due to eligibility restrictions.

What Is Bundling Home and Auto Insurance?

Bundling home and auto insurance means to insure both policies with the same carrier. Most companies offer a multi-policy discount to insureds when they bundle. Although bundling can be more common for homeowners, many carriers also allow bundling for other home policies, like condo and renters insurance. Companies like State Farm also allow those with life insurance policies to save when they insure either their home or auto with the company. 

The bundle discount varies by carrier and policy type. For instance, Allstate insureds can save up to 25% when bundling home and auto together. USAA offers up to 10% savings when bundling auto with either home or renters insurance. Progressive notes that savings vary by state and profile; see bundling details. On average in 2025, home + auto bundles tend to save about 15%–20% on combined premiums, while auto + renters bundles typically save about 5%–10%. Insureds can determine which carrier offers the best bundle savings by getting several quotes to compare coverages and costs, including discount savings.

How to Bundle Your Home and Auto Insurance

If you have never tried bundling insurance policies in the past, you may imagine the process to be complicated. However, bundling insurance policies through your current or new provider is a straightforward process. Here is how you can bundle your policies:

1. If you have your home and car insurance policies with different companies, start by comparing your current coverage with those offered by the company you want to bundle insurance policies with.
2. Compare home and auto insurance bundle quotes from multiple providers to find out how much you are likely to save.
3. A licensed agent that works with your current insurer will walk you through the process of bundling house and car insurance policies.
4. If switching to a new carrier, make sure you cancel your old policies on the day your new policies are set to start so you avoid an overlap or lapse in coverage.

Bundling doesn’t mean you are buying one single policy for your auto and home insurance; instead, it just means you’re buying both policies from the same company. The shopping process is no different than if you were to shop your policies individually, except that you’ll need to remember to request the bundling or multi-policy discount on your quote.

Should I Bundle Home and Auto Insurance?

Combining your home and car insurance through the same provider often results in savings. Most large insurance companies that offer both auto and home insurance also offer a bundling discount. Typical savings in 2025 are around 15%–20% for home + auto bundles and 5%–10% for auto + renters, though results vary by state and profile. But it is important to weigh both the pros and cons of such an arrangement before you make the switch.

Pros

• Potential savings: Bundling discounts can often save you money on both your auto and home insurance policies, often around 15%–20% for home + auto (and about 5%–10% with renters).
• Easier policy management: If you buy all your policies with one carrier, it may be easier to make changes.
• Combined billing: You might be able to combine your auto and home bills into one if you bundle, depending on your company. However, if you pay your home insurance with your mortgage escrow account, this won’t be an option for you.

Cons

• Not offered by all carriers: Not all insurance companies sell both auto and home insurance, and not all companies that do sell both policies offer a bundling discount.
• Less flexibility: If you have very specific auto and home insurance needs, you might find it harder to find a single carrier that fits your circumstances for both policies.
• Rates will vary: Bundling can be a big discount, but it doesn’t automatically mean that you’ll pay the lowest price for your coverage. If you’re considering bundling, you might want to get quotes for bundled policies and shop your policies individually to see what option is best for your budget.

How to Get the Best Home and Car Insurance Bundle 

If you’re shopping for a home and auto bundle, you might want to consider taking the following steps to help you find the right option for your situation:

• Shopping around: Even if one carrier offers a higher discount for bundling, rates could be lower with another carrier. Shopping around can help you see your options so you know which best fits your needs.
• Comparing coverage options: When making a home and auto insurance bundle comparison, you might want to look at more than just discounts. Consider recent customer satisfaction (e.g., current J.D. Power studies), financial strength (A.M. Best A- or better), and complaint performance (state NAIC complaint index) alongside coverages and endorsements.
• Comparing prices: After you have shortlisted a few companies and ensured that the coverage on each quote is similar as possible, check out the rates. If a company is offering you all the coverage you need at a lower rate than a competitor, it could be a better choice.
• Keeping your provider updated: Whether you add a new feature to your vehicle or upgrade your house, it’s a good idea to keep your insurance company informed. You may need to adjust your coverage or shop around for a carrier that better fits your changing needs.

Home and Auto Bundling FAQ

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