Enter your ZIP code to find the best insurance rates in your area
Bundling your home and auto insurance is the easiest way to save money, as some insurers offer discounts up to 30%.
Learn how bundling home and auto insurance can save you money and simplify your coverage.
Essential insights to maximize your insurance savings
Most insurers provide discounts when you bundle home and auto insurance under the same carrier
Allstate, Farmers, Nationwide, State Farm, and Travelers stand out for competitive bundling discounts
Average savings range from 10% to 30%, with some providers offering flat annual savings
Comparing home and auto insurance bundle quotes is the most effective way to find maximum savings
If you choose to insure both your vehicle and your property with the same carrier, you may qualify for a multi-policy discount (also called a multi-line or bundling discount). This is usually one of the best savings opportunities insurers offer. Sometimes it reaches up to 30% depending on the company.
Important Note: Consider that when your policies are "bundled" under the same insurer, they are not merged into one contract. Each will still have its own policy number, terms, and coverage details.
The benefit comes from purchasing multiple policies from one insurer, and this unlocks a significant discount.
Not all bundles are created equal. To find the best home and auto insurance bundles, look beyond the discount alone. Also consider:
Most major property and casualty insurers that sell both auto and home coverage offer a bundling discount — often referred to as a multi-policy or multi-line discount. The concept is simple, "Buy more than one policy from the same carrier and save"
To help you identify strong options, we analyzed some of the largest insurers in the U.S. based on:
The table below shows sample average premiums for full-coverage auto insurance and home insurance (based on a $300K dwelling), along with each company's typical bundling discount:
Compare premiums and savings across top insurers
| Company | Avg. Annual Full-Coverage Auto Premium | Avg. Annual Home Premium (for $300K dwelling) | Typical Bundle Discount* |
|---|---|---|---|
|
|
$3,355 | $2,528 | Up to 25% |
|
|
$3,420 | $2,520 | Average of 20% |
|
|
$1,935 | $1,969 | Up to 20% |
|
|
$2,686 | $2,223 | Up to $1,273 (combined annual savings) |
|
|
$2,225 | $2,787 | Up to 15% on home & 10% on auto |
If you're comparing bundled home and auto insurance quotes, you can start with these carriers.
If you're specifically comparing auto policies, learning more about auto insurance in Louisville can give you a clearer idea of coverage types and average costs in your area.
Top-rated insurers offering competitive bundling discounts
Bundling places more of your assets under the same insurer. So financial strength and reliability become even more important.
Below are the top companies offering strong home and auto bundling options in 2025.
Bundling discount: Up to 25%
Allstate offers one of the largest bundling discounts in the market — up to 25%. The company provides nearly nationwide coverage, a wide range of endorsements, and unique add-ons like homesharing coverage and green improvement reimbursement.
Pros
Cons
Bundling discount: Up to $1,273 per year
State Farm is the nation's largest property and casualty insurer, with a bundling discount worth up to $1,273 annually. It offers strong customer and claims satisfaction scores along with a massive agent network.
Pros
Cons
Bundling discount: Average of 20%
Farmers provides an average 20% bundling discount along with multiple other savings opportunities. It is best suited for policyholders who prefer face-to-face service through local agents.
Pros
Cons
Bundling discount: Up to 20%
Nationwide is the Best for Bundling Home and Auto for 2025. The insurer offers potential savings of up to 20% and is distributed through independent agents for tailored service.
Pros
Cons
Bundling discount: Up to 15% for home and 10% for auto
Travelers advertises dual bundling discounts — up to 15% for home and 10% for auto. It also offers unique endorsements for both auto and home policies, appealing to customers with specialized needs.
Pros
Cons
Bundling discount: Up to 30%
With both home and auto coverage available in most states, Amica offers upgraded protection packages and even dividend-paying policies, which can return up to 20% of your premium annually.
Pros
Cons
Bundling discount: Variable
Auto-Owners is a strong choice for those who prefer working with independent agents rather than getting quotes online. With coverage available in about half of U.S. states, the company offers a wide range of extra policy options and discounts.
Pros
Cons
For budget-conscious drivers, exploring options for cheap car insurance Louisville KY could reveal carriers offering competitive rates without sacrificing essential protection.
If you're wondering how to bundle auto and home insurance, don't worry. It is an easy process.
Bundling insurance is the process of buying multiple types of policies from one insurance company.
Bundling home and auto insurance means purchasing both policies from the same insurer, usually at a discounted rate.
Insurance companies reward this because they get more of your business, while you benefit from a lower premium and the convenience of managing policies in one place.
Bundling isn't just for homeowners and auto insurance. Some carriers also let you bundle additional coverage types, such as:
The more policies you combine, the more opportunities you may have to save, although the biggest discounts are usually tied to auto and home bundles.
For many households, bundling auto and home insurance can be a smart move. It often translates to lower premiums, fewer bills to handle, and the convenience of working with just one insurer. But before you commit, it's important to weigh the benefits against the possible downsides.
Pros
Cons
Bundling can provide both financial and practical advantages, but it isn't always the automatic best choice. Comparing both bundled and standalone quotes across multiple carriers is the most reliable way to make sure you're truly saving.
Bundling your home and auto insurance is easy, but finding the right bundle takes a little planning. While it may feel like you're buying a single combined policy, in most cases you're simply purchasing two separate policies with the same insurer to get a discount.
A few companies do offer a "one policy" option, but that's less common.
Here's a simple process to make sure you get the best bundle for your needs:
Before you start getting quotes, think about what you want from your insurance company. For example: Do you need the cheapest policies, or are you interested in extras like a telematics program?
Request home and auto quotes from the same companies so you qualify for bundling discounts. Use the same coverage levels across all quotes.
Don't just glance at the total premium — review each quote carefully for bundling discount percentage, coverage levels and add-ons.
When you've found the best fit, an insurance professional or agent can walk you through finalizing the policies.
If you're switching from another insurer, don't cancel your existing policies until your new coverage is active.
If you're switching from another insurer, don't cancel your existing policies until your new coverage is active. This prevents any gaps in protection. For homeowners, remember that insurance is often tied to your escrow account, so you may need to coordinate the switch with your mortgage lender.
Additional Tips:
Get answers to the most common questions about bundling home and auto insurance
Compare home and auto insurance bundles from top companies and save up to 30% on your premiums.
Our team of seasoned specialists is dedicated to offering you dependable guidance and support at every juncture.
We aim to guarantee that you possess a lucid comprehension of your choices and the terms linked to your insurance policies.