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The Best Companies for Bundling Home and Auto Insurance

Savings can be big, but we recommend bundling with care ​
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    • Drivers may save up to 25% on their premiums by bundling auto and homeowners policies with the same insurer.
    • The best home and car insurance companies usually have high customer satisfaction and strong financial stability ratings from third-party systems.

    Best Home and Auto Insurance Bundles of 2021

    • State Farm: Best Home and Auto Insurance for Home and Auto Discounts
    • USAA: Best Home and Car Insurance for Military-focused Coverage
    • Progressive: Best Home and Auto Insurance for Additional Coverage
    • Allstate: Best Home and Car Bundle Discount
    • Nationwide: Best Insurance for New Homes and Cars
    • Liberty Mutual: Best Home and Car Insurance for New Customers

    If you own a house or a vehicle, you’ll probably need insurance for both. Rather than purchasing two policies from separate insurance providers, you might consider bundling your home and auto insurance with the same insurer. Many insurance providers offer a multi-policy discount, also known as a bundle discount, to policyholders who purchase two or more policies. However, the discount savings potential will depend on the insurer.

    While insurance companies commonly offer bundling discounts, some providers offer greater discounts than others. To find the best companies for home and auto insurance bundling, we reviewed a number of providers on their bundling discounts, coverage options, discounts, customer service, and third-party ratings. 

    Based on our research, the best providers for policy bundling are State Farm, USAA, Progressive, Allstate, Nationwide, and Liberty Mutual.

    Compare the Best Home and Auto Insurance Bundles

    Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. Bundling Discount J.D. Power Customer Satisfaction* J.D. Power scores are based on surveys for customer satisfaction and product quality. AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    Pin State Farm4.4Up to 17%892A++
    Pin USAA4.8Up to 10%909**A++
    Pin Progressive4.4Up to 20%862A+
    Pin Allstate4.2Up to 25%870A+
    Pin Nationwide4Up to 20%876A+
    Pin Liberty Mutual4.4Up to $947***876A

    *J.D. Power 2021 U.S. Auto Claims Satisfaction Study

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

    ***Savings validated by new customers who switched to Liberty Mutual 1/2020-10/2020.

    The Best Home and Car Insurance Bundles

    Best for Discounts

    Why we chose it

    With a wide selection of coverage options and discounts, State Farm fulfills a variety of insurance needs under one roof — whether it’s a sunroof or a tile roof.
    • 818* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A++ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    With a wide selection of coverage options and discounts, State Farm fulfills a variety of insurance needs under one roof — whether it’s a sunroof or a tile roof.

    Pros

    • Several home and car insurance discounts
    • Nationwide availability
    • Over 19,000 local agents across the U.S.
    • Robust website

    Cons

    • Higher than average rates without discounts for some policyholders
    • More than the average customer complaints
    Read More

    Additional Car Insurance Coverage

    • Rental expenses coverage
    • Rideshare coverage
    • Roadside assistance

    Available Discounts

    • Safe driver
    • Multi-policy
    • Multi-vehicle
    • Claims free

    More State Farm Insurance Reviews

    Best for Military-focused Coverage

    Why we chose it

    Although available only to retired or active military members and their families, USAA has great coverage options and customer service scores for drivers and homeowners who qualify, based on our own research.
    • 870* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A++ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Although available only to retired or active military members and their families, USAA has great coverage options and customer service scores for drivers and homeowners who qualify, based on our own research.

    Pros

    • Superior customer satisfaction
    • Strong financial stability ratings
    • Plenty of discounts

    Cons

    • Exclusive to military members and their families
    • Limited coverage add-ons compared to competitors
    Read More

    Additional Car Insurance Coverage

    • Roadside assistance
    • Rental reimbursement

    Available Discounts

    • Accident forgiveness
    • Family discounts
    • Military deployment
    • Claims free

    More USAA Insurance Reviews

    Best for Additional Coverage

    Why we chose it

    Regardless of how your insurance needs change over time, Progressive’s vast coverage options will allow you to customize your policies with optional coverage and discounts based on your ever-changing needs.
    • 819* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Regardless of how your insurance needs change over time, Progressive’s vast coverage options will allow you to customize your policies with optional coverage and discounts based on your ever-changing needs.

    Pros

    • Several customization options
    • Advanced online tools
    • Ease of switching between policies

    Cons

    • Average customer satisfaction
    Read More

    Additional Coverage

    • Classic car
    • Roadside assistance
    • Loan/lease coverage

    Available Discounts

    • Safe driver
    • Student driver
    • Loyalty discount
    • New home
    • Pay in full
    • Continuous insurance
    • Homeowner
    • Multi-car
    • Multi-policy

    More Progressive Insurance Reviews

    Best for Low Deductibles

    Why we chose it

    Allstate offers options for homeowners and drivers to save on their insurance costs, including a disappearing deductible, accident forgiveness, and safe driving rewards. In addition, it has the highest percentage of possible savings for bundling, of the companies we reviewed.
    • 803* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Allstate offers options for homeowners and drivers to save on their insurance costs, including a disappearing deductible, accident forgiveness, and safe driving rewards. In addition, it has the highest percentage of possible savings for bundling, of the companies we reviewed.

    Pros

    • Large number of local agents
    • Unique coverage options
    • No third-party underwritten policies

    Cons

    • Only six-month auto insurance policy terms
    Read More

    Additional Coverage

    • Water backup
    • Identity theft protection
    • Home share coverage for hosts
    • Roadside assistance

    Available Discounts

    • Safe driving
    • Annual premium
    • Claims free
    • Responsible payer
    • Multi-policy
    • Early signing

    More Allstate Insurance Reviews

    Best for New Homes and Cars

    Why we chose it

    If both your vehicle and your home are brand new, Nationwide offers a number of discounts and coverage options that can potentially help you save money on insurance costs.
    • 786* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    If both your vehicle and your home are brand new, Nationwide offers a number of discounts and coverage options that can potentially help you save money on insurance costs.

    Pros

    • Broad range of add-on coverages
    • Flood insurance available

    Cons

    • Low customer satisfaction scores
    Read More

    Additional Coverage

    • Gap insurance
    • Towing and labor coverage
    • Identity theft protection
    • Extended replacement cost
    • Water backup

    Available Discounts

    • Multi-policy
    • Accident-free
    • Safe driver
    • New home
    • Claims free
    • Gated community

    More Nationwide Insurance Reviews

    Best for New Customers

    Why we chose it

    Liberty Mutual advertises that new customers who bundle home and auto insurance can save as much as $947, which may entice consumers who are looking to switch providers.
    • 798* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A (Excellent) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Liberty Mutual advertises that new customers who bundle home and auto insurance can save as much as $947, which may entice consumers who are looking to switch providers.

    Pros

    • Good discounts for a variety of drivers
    • Comprehensive coverage options

    Cons

    • Lower-than-average auto claims satisfaction scores
    Read More

    Additional Coverage

    • Deductible fund
    • New car replacement coverage
    • Rental car reimbursement
    • Roadside assistance
    • Gap insurance

    Available Discounts

    • Military
    • Advanced safety features
    • Alternative energy discount
    • Accident-free
    • Violation-free
    • RightTrack program

    More Liberty Mutual Insurance Reviews

    *J.D. Power 2021 Auto Insurance Satisfaction average rating across all regions.

    What Is Bundling Home and Auto Insurance?

    The combined cost of home and car insurance can be heavy on the wallet. But when you own a vehicle as well as a house, one of the best ways to save on insurance premiums is by taking advantage of multi-policy discounts, also known as home and auto insurance bundles.

    State Farm claims that policyholders can save up to 17% on their premiums by bundling their car and home insurance. Additionally, Nationwide and Allstate offer a multi-policy discount of up to 20% and 25%, respectively, to policyholders who bundle their home and auto insurance policies with them.

    Although bundling renters and auto insurance doesn’t yield as high of a discount, companies like Progressive offer a 4% discount on car insurance premiums when bundling auto and renters insurance. However, renters insurance is much less expensive than homeowners insurance, averaging $179 a year, according to the Insurance Information Institute, or $15 a month. Despite this, bundling renters and auto insurance can still be an easy way to save on monthly insurance premiums.

    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. On the contrary, 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 with your current insurer will walk you through the process of bundling house and car insurance policies.
    4. If switching to a new carrier, buy a home and auto insurance with the new carrier before canceling the home and auto policy with the former company to avoid a lapse in coverage.

    Should I Bundle Home and Auto Insurance?

    Combining your home and car insurance through the same provider is typically known to result in savings. Most large insurance companies offer a bundling option to customers. But it is important to weigh both the pros and cons of such an arrangement before you make the switch.

    Not only are people who bundle home and car insurance likely to earn multi-policy discounts off their insurance costs, but they can also enjoy the convenience of managing policies, filing claims, and contacting customer service in one online portal or mobile app.

    However, even after finding the best home and auto insurance bundle quotes and signing a bundle insurance policy, it can make it more difficult to shop around for a new policy. You may be more hesitant to switch carriers when enjoying the convenience of managing both insurance policies with one carrier.

    How to Get the Best Home and Car Insurance Bundle 

    • Compare coverage options: When making a home and auto insurance bundle comparison, do not just look at the discounts — also consider the coverage you currently have and what more you would prefer. This will make sure you do not lose out on the coverage you need in an attempt to lower your insurance premiums.
    • Compare prices: After you have shortlisted a few companies, compare the discounts offered by each of them and the amount you are expected to save every year. If keeping policies separate is a less expensive option, then you are probably better off not bundling your home and auto insurance.
    • Shop around: Regardless of the discount you get by bundling policies, do not forget to shop around for cheaper home and auto insurance on a regular basis. Since insurance prices change, you might find a better deal elsewhere.
    • Keep your provider updated: Whether you add a new feature to your vehicle or upgrade your house, always keep your insurance company informed. Sometimes little additions can get you extra price cuts on your policies or these additions may need added coverage.

    Home and Auto Bundling FAQ

    Methodology 

    Auto Insurance Methodology

    Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers. 

    As for average pricing, we leveraged data from Coverage.com, based on the profiles of 30-year-old male and female drivers. Full coverage rates are based on the following coverage and deductible amounts:

    • $100,000 bodily injury liability per person
    • $300,000 bodily injury liability coverage per crash
    • $100,000 property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    Home Insurance Methodology

    We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers. 

    To compare home insurance companies across the board, we considered the following factors:

    • Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using 2021 J.D. Power Home Insurance Study ratings.
    • Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
    • Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
    • Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

    Rates are based on quoted annual premiums from Coverage.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different.

    The coverage limits for home insurance rates reflect the following coverage and limits:

    • Coverage A, Dwelling: $200,000
    • Coverage B, Other Structures: $0
    • Coverage C, Personal Property: $100,000
    • Coverage D, Loss of Use: $40,000
    • Coverage E, Liability: $250,000
    • Coverage F, Medical Payments: $1,500

    The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

    About the Authors

    Cynthia Widmayer Contributing Writer

    Cynthia Widmayer is an insurance and personal finance writer featured in The Simple Dollar, Bankrate, and Coverage.com among others. She holds a master’s degree in journalism from the University of London.

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