Most everyone needs some type of insurance. Home and car insurance go hand-in-hand. If you own your home, you’ll want insurance in case of an unexpected event such as a fire, burglary or extreme weather. And having enough car coverage ensures that your home isn’t exposed in case of a serious accident or a lawsuit.
Many people don’t realize that a home and auto insurance bundle could save them money on both policies. The question is, which are the best insurance companies for home and auto? After all, one carrier may not necessarily be strong at the two different types of coverage. We’ve analyzed over a dozen companies to bring you the best home and auto insurance bundle.
The 5 Best Companies for Bundling Home and Car Insurance
- State Farm: Best for the largest bundling discount
- Allstate: Best for personalized support
- Progressive: Best for flexibility
- Nationwide: Best for new homes and new cars
- USAA: Best for military and family members
Compare the Best Home and Auto Insurance Bundles
| Average Discount for Bundling | Reviews.com Score | AM Best Financial Strength | J.D. Power Home Insurance Overall Customer Satisfaction | ||
|---|---|---|---|---|---|
| Pin State Farm | Up to $854 | 3.75/5 | A++ | 829/1,000 | |
| Pin Allstate | Up to 25% | 4/5 | A+ | 829/1,000 | |
| Pin Progressive | 12% | 3.75/5 | A+ | 808/1,000 | |
| Pin Nationwide | Up to 20% | 3.75/5 | A+ | 797/1,000 | |
| Pin USAA | Up to 10% | 4/5 | A++ | 889/1,000 |
Best for the largest bundling discount
Why we chose it
Why we chose it
Pros
- Comprehensive list of home and car insurance discounts
- Full-featured website and mobile app for policy management
- National coverage
- Over 19,000 agents nationwide
Cons
- Policies higher than average before discounts
- Online quoting can’t estimate all home types
Discounts available
- Drive Safe & Save app tracks your driving for discounts
- Good driver
- Home security and safety systems
- Average Discount for Bundling Home and Auto Insurance: Up to $584
Unique features
State Farm provides over 100 insurance and financial products to make the carrier a one-stop shop for financial planning. In addition to being the largest home and auto insurer, the company is the largest watercraft carrier in the country. State Farm also provides renters, health and life insurance policies.
*J.D. Power 2020 Home and Auto Insurance Customer Satisfaction surveys, based on a 1,000-point scale
Further Reading on State Farm:
- State Farm homeowners insurance review
- State Farm renters insurance review
- State Farm auto insurance review
Best for Personalized Support
Why we chose it
Why we chose it
Pros
- Over 12,000 agents nationwide
- Rideshare and home coverage for AirBnB hosts
- Annual $100 deduction on your auto deductible for no claims
Cons
- Shorter, six month policies mean your premiums may increase more often
- The best discounts are designed for safe drivers with no accidents or claims
Discounts available
- Responsible payer
- Drivewise program earns you cash back and discounts when you drive safely
- 20% off when you switch to Allstate with no claims or 10% off otherwise
- Average Discount for Bundling Home and Auto: Up to 25%
Unique features
Allstate tops the list of best insurance companies for home and auto for a combination of factors. You’ll receive some of the highest discounts on your home and auto insurance bundle. Allstate provides unique coverages that meet today’s needs, such as rideshare and homeshare insurance. And the company is accessible in many ways whenever you’re in need of help.
*J.D. Power 2020 Home and Auto Insurance Customer Satisfaction surveys, based on a 1,000-point scale
Further Reading on Allstate:
Best for Flexibility
Why we chose it
Why we chose it
Pros
- If you only have home or car insurance, bundle the other at any time to start saving immediately
- Switch between renters and homeowners insurance in your bundle without affecting rates
- Great online tools
Cons
- According to customer reviews, claims handling and service could improve
- Not Better Business Bureau accredited
Discounts available
- Variety of youth and student discounts
- Snapshot program rewards good drivers
- Continuous insurance discount
- Average Discount for Bundling Home and Auto Insurance: 12%
Unique features
Progressive provides a level of flexibility and ease that many new policyholders are in search of. You’ll be able to change up your bundle through your life stages without losing the discount. In addition, Progressive’s coverages provide protection for drivers of all ages, varying living situations and even pets.
*J.D. Power 2020 Home and Auto Insurance Customer Satisfaction surveys, based on a 1,000-point scale
Further Reading on Progressive:
- Progressive homeowners insurance review
- Progressive renters insurance review
- Progressive auto insurance review
Best for new homes and new cars
Why we chose it
Why we chose it
Pros
- A variety of riders for high-value items such as jewelry, art and collectibles
- Underwrites flood and earthquake insurance
- National coverage
- Many unique coverages and discounts for modern homes and newer-model cars
Cons
- Shorter policies could increase your premiums more often
- Better discounts for safe drivers.
Discounts available
- Home renovation credit
- Roof rating discounts your policy according to roof age and quality
- SmartMiles adjusts your premiums depending on how much you drive
- Average Discount for Bundling Home and Auto Insurance: Up to 20%
Unique features
Nationwide is innovative when it comes to insurance. Homeowners can save if they live in a gated community, remodel their home or purchased it in the last 12 months. Add the total loss deductible waiver and gap insurance to your full vehicle coverage for a comprehensive car insurance policy.
*J.D. Power 2020 Home and Auto Insurance Customer Satisfaction surveys, based on a 1,000-point scale
Further Reading on Nationwide:
- Nationwide homeowners insurance review
- Nationwide renters insurance review
- Allstate auto insurance review
Best for Military and Family Members
Why we chose it
Why we chose it
Pros
- Top-rated in customer satisfaction
- Start coverage with no money down
- Caters to military
Cons
- Only available to military members and qualifying family
- Website and mobile app not as robust as others
Discounts available
- Vehicle garaged on a military base
- Family discounts
- Accident forgiveness
- Average Discount for Bundling Home and Auto Insurance: Up to 10%
Unique features
USAA meets the needs of active and retired military. Some coverages are exclusive to those who serve, including no deductible replacement of uniforms and coverage overseas. USAA has limited offices but customer service agents do a great job of handling your insurance needs over the phone and through email.
*J.D. Power 2020 Home and Auto Insurance Customer Satisfaction surveys, based on a 1,000-point scale
Further Reading on USAA:
What are the advantages of bundling home and auto insurance?
Bundling home and auto insurance simplifies your life. Instead of having to manage insurance policies through multiple agents and companies, you can monitor and adjust coverage all in one place.
Making payments will also be simpler — you’ll only need to worry about one payment for all your coverages. In addition, one of the biggest savings is available when you bundle home and auto insurance. It wouldn’t be unusual to save at least 10% off your total coverage costs.
When not to bundle your insurance?
If your vehicle coverage includes several family members such as a teenager, young adult or elderly driver, you may want to keep your policies separate. That’s because someone with a higher likelihood of causing an accident, such as a teen or elderly driver, could cause your auto insurance rates to go up. And if a claim increases your car insurance rate, it could affect your standing with your carrier — and the cost of your homeowners insurance as well.
How to Find the Cheapest Car and Home Insurance Bundles
To find the cheapest insurance, you’ll need to do a home and auto insurance bundle comparison. Before you go online for quotes:
- Know how much coverage you’re in search for including the amount of your deductible and any optional coverage you may need.
- Create a shortlist of three to five auto insurance companies to get a quote from.
- Make sure you’re comparing the same types of coverage and limits.
Home and Car Insurance Bundling FAQ
Methodology
Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best companies to bundle home and car insurance, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com rating. These ratings were produced with you, our readers, in mind, and are meant to be a helpful tool to simplify the process of choosing which insurance company is best for you. Since insurance rates vary widely among different profiles, we encourage you to continue researching options that fit your specific needs.
About the Authors
Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.
