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The Best Companies for Bundling Home and Auto Insurance in 2022

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    • Multi-policy discounts, also called bundling discounts, are often the most significant savings opportunities that insurance companies offer.
    • 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

    If you own a house or a vehicle, you’ll probably need insurance for both. To save money and to make managing your policies easier, 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.

    To find the best companies for home and auto insurance bundling, we reviewed a number of providers on their bundling discounts, other discounts, coverage options, customer service, and third-party ratings. Based on our research, the best providers for policy bundling include Allstate, Nationwide, Progressive, State Farm, and USAA.

    Compare the Best Home and Auto Insurance Bundles

    Reviews.com chose these carriers based on our research metrics. The carrier that is right for you may not be included on this list. Shopping around and comparing quotes can be a helpful strategy to find the best coverage for your needs.

    J.D. POWER AUTO CUSTOMER SATISFACTION* J.D. Power scores are based on surveys for customer satisfaction and product quality. J.D. POWER HOME 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 Allstate870870A+
    Pin Nationwide876878A+
    Pin Progressive862874A+
    Pin State Farm892876A++
    Pin USAA909**893**A++

    *J.D. Power 2021 U.S. Auto Claims Satisfaction Study and 2022 U.S. Property Claims Satisfaction Study

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

    The Best Home and Car Insurance Bundles

    Allstate

    Best for Personalized Coverage

    WHY WE CHOSE IT

    Allstate could be a great choice for drivers and homeowners looking to bundle policies and personalize their coverage. The carrier offers numerous optional endorsements for both auto and home policies that could help you create a bundle that meets your needs.
    • 870* (Auto) J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • 870* (Home) 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 could be a great choice for drivers and homeowners looking to bundle policies and personalize their coverage. The carrier offers numerous optional endorsements for both auto and home policies that could help you create a bundle that meets your needs.

    Pros

    • Numerous endorsements available
    • Plentiful discounts
    • Local agents available in may areas

    Cons

    Read More

    ADDITIONAL COVERAGE

    • Custom equipment (auto)
    • Roadside assistance (auto)
    • Rental reimbursement (auto)
    • Water backup (home)
    • Identity theft (home)
    • Yard and garden (home)

    AVAILABLE DISCOUNTS

    • Early signing (auto)
    • Safe driving club (auto)
    • Responsible payer (auto)
    • Home buyer (home)
    • Protective device (home)
    • Welcome and loyalty (home)
    Nationwide

    Best for New Homes and Cars

    WHY WE CHOSE IT

    If both your vehicle and your home are new, Nationwide offers discounts and coverage options that can potentially help you tailor your insurance coverage and save money.
    • 876* (Auto) J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • 878* (Home) 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 new, Nationwide offers discounts and coverage options that can potentially help you tailor your insurance coverage and save money.

    Pros

    • Numerous coverage add-ons
    • Above-average J.D. Power home claims satisfaction score
    • Specialized options for new homes and new cars

    Cons

    Read More

    ADDITIONAL COVERAGE

    • Accident forgiveness (auto)
    • Gap coverage (auto)
    • Towing and labor (auto)
    • Better Roof Replacement (home)
    • Water backup (home)
    • Earthquake (home)

    AVAILABLE DISCOUNTS

    • SmartRide (auto)
    • SmartMiles (auto)
    • Automatic payments (auto)
    • Gated community (home)
    • Home renovation credit (home)
    • Smart home (home)
    Progressive

    Best for Multiple Products

    WHY WE CHOSE IT

    Progressive offers numerous products that could help you bundle more than just your home and auto coverage, making it easier to manage your insurance and save money.
    • 862* (Auto) J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • 874* (Auto) 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

    Progressive offers numerous products that could help you bundle more than just your home and auto coverage, making it easier to manage your insurance and save money.

    Pros

    • Several insurance products available
    • Above-average J.D. Power home claims satisfaction score
    • Numerous home and auto discounts

    Cons

    Read More

    ADDITIONAL COVERAGE

    • Loan/lease payoff (auto)
    • Rental car reimbursement (auto)
    • Rideshare coverage (auto)
    • Water backup (home)
    • Personal injury (home)

    AVAILABLE DISCOUNTS

    • Continuous insurance (auto)
    • Snapshot (auto)
    • Homeowner discount (auto)
    • Quote in advance (home)
    • New purchase (home)
    • New home construction (home)
    State Farm

    Best for Local Agents

    WHY WE CHOSE IT

    State Farm has local agents across the country. If you like to handle your insurance needs in person rather than by phone or via a website or mobile app, State Farm could be a good choice.
    • 892* (Auto) J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • 876* (Home) 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

    State Farm has local agents across the country. If you like to handle your insurance needs in person rather than by phone or via a website or mobile app, State Farm could be a good choice.

    Pros

    • Local agents available
    • Above-average J.D. Power auto and home claims satisfaction scores
    • Other insurance and financial products available

    Cons

    Read More

    ADDITIONAL COVERAGE

    • Car rental (auto)
    • Rideshare (auto)
    • Emergency road service (auto)
    • Keepsakes (home)
    • Home and garden (home)
    • Hobby equipment  (home)

    AVAILABLE DISCOUNTS

    • Drive Safe & Save (auto)
    • Steer Clear (auto)
    • Student at school (auto)
    • Roofing discounts (home)
    USAA

    Best for Military-Centric Options

    WHY WE CHOSE IT

    Although available only to retired or active military members and their eligible families, USAA has a range of coverage options and high customer service scores for drivers and homeowners who qualify.
    • 909* (Auto) J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • 893* (Home) 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 eligible families, USAA has a range of coverage options and high customer service scores for drivers and homeowners who qualify.

    Pros

    • High J.D. Power claims satisfaction ratings
    • Superior financial strength rating from AM Best
    • Military-specific coverage options

    Cons

    • Only available to military members and qualifying family members
    • Fewer discounts advertised than some competitors
    • Few local agents
    Read More

    ADDITIONAL COVERAGE

    • Roadside assistance (auto)
    • Rental reimbursement (auto)
    • Home sharing (home)
    • Earthquake (home)

    AVAILABLE DISCOUNTS

    • SafePilot (auto)
    • Military on-base (auto)
    • Family (auto)
    • Protective devices (home)
    • Claims-free (home)

    *J.D. Power 2021 U.S. Auto Claims Satisfaction Study and 2022 U.S. Property Claims Satisfaction Study. 

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

    What Is Bundling Home and Auto Insurance?

    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. These discounts are some of the most impactful savings offered by many insurance companies.

    State Farm, for example, claims that policyholders can save up to $1,127 on their premiums by bundling their car and home insurance. Nationwide claims that drivers can save up to 20% on their auto policy when bundling home insurance, and Allstate’s bundling discount could save you up to 25% on your home premium.

    Although bundling renters and auto insurance doesn’t usually yield as high of a discount, some companies do offer some savings. Additionally, bunding condo and auto policies could also lower your rate. 

    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. 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.
    • 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. You may also want to consider the coverage each carrier offers, other discounts, and third-party scores. This helps you get a more well-rounded view of a company.
    • 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

    About the Authors

    Cate Deventer

    Cate Deventer Insurance Editor

    Cate Deventer is a writer and licensed insurance agent. She has a Bachelor’s degree in theatre and is currently pursuing a degree in English with a concentration in professional and technical writing from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she’s passionate about helping people take charge of their finances. In her free time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog.

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