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Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Edited by
Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.
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Fabio Faschi, PLCS, SBCS, CLCSFabio Faschi, PLCS, SBCS, CLCSLicensed Property & Casualty Insurance ExpertFabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker.
One of the easiest ways to save BIG on your insurance costs is by combining your home and auto policies with one company through an insurance bundle. Most insurers offer multi-policy discounts of anywhere from 5% to 30% off your premiums when you bundle your home and car insurance together.
Ourwinner for the best home and auto insurance bundle is Auto-Owners — thanks to its competitive rates, variety of car and home insurance coverages available, and excellent customer satisfaction and financial stability ratings. Our next top picks for the best insurance bundles of 2023 are USAA, State Farm, Erie, and Farmers.
Methodology: Why you can trust our picks for the best home & auto insurance bundles
At Policygenius, our educational guides are written and fact-checked by licensed home insurance experts and reviewed by our Financial Review Council to ensure autonomy, expertise, and accuracy.
To find the best insurance companies for bundling home and auto insurance, we researched, analyzed, and rated companies across different ratings and metrics, including average annual bundling premiums, AM Best ratings, J.D. Power customer satisfaction and claims ratings, NAIC customer complaint numbers, and more.
We converted each metric to a standardized amount (or z-score) to ensure we were rating the companies against each other and not some arbitrary baseline. This also made it possible to accurately combine rating metrics with different scales — such as the J.D. Power rating and NAIC index score — to come up with an overall rating for the larger customer experience category.
We rated 10 companies in the following areas, weighted differently based on order of importance to customers in 2022.
Cost (35%)
Average annual bundling premium (80%): We calculated each company’s average annual rate when you bundle your home and auto insurance policies.
How we calculated auto bundling rates: We calculated each company’s average annual premium with a multi-policy discount for a 30-year-old male driver with a 2017 Toyota Camry and the following limits on a full-coverage policy: bodily injury liability ($50,000 per person, $100,000 per accident), property damage liability ($50,000 per accident), uninsured/underinsured motorist($50,000 per person, $100,000 per accident), comprehensive ($500 deductible), and collision ($500 deductible).
How we calculated home bundling rates: We calculated each company’s average annual premium with a multi-policy discount for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits: dwelling ($300,000), other structures ($30,000), personal property ($150,000), loss of use ($60,000), liability ($300,000), and medical ($1,000).
Each company’s average annual premium is a national average, and amounts can often vary drastically from state to state. To ensure we were reporting the national average accurately, we created a weighted average based on companies’ market share presence from state to state.
Discounts (20%): Number of home and auto insurance discounts offered by each company.
Financial confidence (25%)
AM Best rating (50%): We scored each company based on their rating with AM Best — the insurance industry’s leading credit rating agency.
S&P rating (25%): The S&P rates insurance companies’ long-term ability to pay out claims.
Moody’s rating (25%): Moody’s rates insurance companies’ ability to repay short and long-term debts.
Customer experience (20%)
J.D. Power customer satisfaction score (35%): Rates companies based on customer interaction, policy offerings, price, billing process and policy information, and claims.
J.D Power claims satisfaction score (35%): Rates companies based on claim settlement, claim servicing, final notice of loss, estimation process, and repair process.
J.D. Power digital experience score (15%): Rates companies based on desktop and mobile web experience by looking at the following factors: ease of navigation, speed, visual appeal, information, and content.
NAIC Customer Complaint Index (15%): Scores whether or not the company receives more or less complaints than the average company.
Coverage (20%)
The number and quality of coverage add-ons, tiers of coverage, and policy perks offered by each company for both home and auto insurance.
Once we determined each company’s Policygenius bundling score, our team of insurance experts analyzed the list to choose the best options overall.
Deep dive into the best home and auto bundles
The best insurance company for bundling isn't necessarily the cheapest. When choosing a home and auto bundle, you'll also want to consider claims satisfaction, customer service, and coverage options available. That's where our Policygenius bundling ratings come in.
We created new ratings to analyze specifically how well a company’s bundling package stacks up to competitors. To determine our top picks, we looked at each company’s average rates when you bundle, claims satisfaction scores, financial strength ratings, and home and auto coverage options available.
To calculate the average bundling rate for each company, we analyzed sample policies from over 50 carriers to find the cost difference between bundling your home and auto insurance policies together versus purchasing them separately. Keep in mind that the actual rate you’re quoted will vary depending on a number of additional factors.
Auto-Owners Insurance
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.9
AM Best rating
A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it
Auto-Owners Insurance earns the highest Policygenius Bundling Rating thanks to its low rates, slew of home & auto insurance discounts, and excellent customer satisfaction scores.
Pros and cons
Pros
Offers 20+ home & auto insurance discounts to save even more
Only pay one deductible if your home & car are damaged in the same covered event
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.7
AM Best rating
A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
All 50 states
Why we chose it
USAA is a good choice for military members and their families looking to bundle their home and auto insurance together thanks to its competitive rates, slew of discount and coverage options, and best-in-class customer satisfaction ratings.
Pros and cons
Pros
16+ discounts and perks for members of the armed forces
Pay no deductible if your uniform is damaged or stolen while on active duty
Industry-best customer service and claims satisfaction ratings
Cons
Only available to military families
Doesn’t offer extended dwelling coverage options for home insurance
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.7
AM Best rating
A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
All 50 states
Why we chose it
State Farm's nationwide availability, low bundling rates, and outstanding customer satisfaction scores makes it a top pick for bundling your home and auto insurance. It also earned the award "Best Insurance Company for High-Risk Homes" earlier this year.
Pros and cons
Pros
Score an extra 30% off your auto insurance rate with its special usage-based program
High customer satisfaction scores & financial stability ratings
Can bundle homeowners, renters, condo, auto, & life insurance policies
Cons
Not many speciality car insurance coverage add-ons, like full glass coverage or lock replacement
Fewer home insurance discount opportunities than competitors
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it
Erie stands out thanks to its extremely competitive bundling rates, handful of insurance policies you can bundle together, and outstanding coverage perks. We also love Its auto insurance rate lock that lets you avoid premium rate hikes year after year.
Pros and cons
Pros
Very low rates for bundling home & auto insurance
Offers guaranteed replacement cost coverage for your home
Lets you lock in your auto insurance rate to avoid rate hikes year after year
Cons
Fewer home & auto insurance discounts than competitors
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.0
AM Best rating
A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it
Farmers stands out thanks to its dozens of insurance discounts available, slew of insurance offerings you can bundle that go beyond just home and auto policies, and stellar customer complaint scores.
Pros and cons
Pros
Offers 30+ home & auto insurance discounts to help you save even more
Can bundle homeowners, auto, life, umbrella, small business, and specialty insurance policies to save on premiums
Below-average customer complaints compared to competitors
Cons
Doesn’t offer gap insurance for auto customers
Financial strength ratings are lower than other companies on this list
To nail down the best bundling discounts that translate into overall savings for policyholders, we analyzed rates from Quadrant Information Services for home and auto insurance when you bundle — and when you don’t. We then translated the difference into a percentage to determine how much you’re actually saving when you bundle.
State Farm Average bundling savings: 26%
Vermont Mutual Average bundling savings: 25%
MAPFRE Insurance Average bundling savings: 23%
Country Financial Average bundling savings: 21%
Acuity Average bundling savings: 20%
The Hartford/AARP Average bundling savings: 20%
PEMCO Average bundling savings: 19%
Farmers Average bundling savings: 18%
Erie Average bundling savings: 18%
American Family Average bundling savings: 18%
Why bundling discounts on a carrier’s website can be misleading
Most insurance companies list their bundling discount (also called a multi-policy discount) on their website, but this can be misleading.
Why? Because if a company's policies are already more expensive than average, bigger discounts don't always mean paying less. A bundling discount of 30% doesn't mean as much if the base rate is 25% higher than its competitors.
Example of why bundling discounts can be misleading
Quote
Company 1
Company 2
Home insurance rate
$2,500
$2,000
Auto insurance rate
$2,000
$1,000
Bundling discount
25%
10%
Home & auto rate when you bundle
$3,375
$2,700
Say you receive quotes from two different insurance companies with annual home and auto insurance rates if you don't bundle, plus how much they'd offer you as a discount if you do.
Even though Company 1 offers a higher bundling discount, its base rates for home and auto insurance are higher. On the flip side, Company 2 offers a lower bundling discount, but its base rates are lower across the board.
In this example, the cheapest company to go with is Company 2, even though it has the lower bundling discount of the pair.
Cheapest home and auto insurance bundles
When analyzing the cheapest home and auto insurance bundles nationally, we discovered that many regional carriers that only work in one or two states often have the lowest rates.
That’s why we limited the companies we included in our list to those that work with shoppers in at least 25 states to ensure you’ll actually be able to find a carrier that writes policies where you live.
With that in mind, American National offers the cheapest home and auto insurance bundle—with rates averaging $1,864 per year — followed by Erie and Selective Insurance.
Insurance company
Average bundling cost
Average savings
American National
$1,864
15%
Erie
$2,142
18%
Selective Insurance
$2,257
15%
State Farm
$2,341
26%
Auto-Owners Insurance
$2,405
12%
USAA
$2,434
6%
Cincinnati Insurance
$2,488
16%
American Family
$2,667
18%
Kemper
$2,691
10%
National General
$2,759
8%
Collapse table
When comparing these companies, keep in mind that price isn't the only factor to consider when choosing an insurance company to bundle your policies with. You'll also want to consider each carrier's customer service, ease of filing claims, and coverage options to ensure you've found the best company for all of your needs.
Our editorial team rated 10 of the most popular insurance companies in the U.S. on their bundling packages. But those aren’t the only carriers that let you purchase both home and auto insurance together.
Here’s a look at even more home insurance companies that offer bundling:
AAA
AFR Insurance
AIG
Alfa Insurance
Allstate
American Family
American National
Amica
Arbella
ASI Progressive
Auto-Owners Insurance
Chubb
Cincinnati Insurance
Country Financial
Encompass
Erie
Esurance
Farmers
Foremost
Geico
Island Insurance
Kemper
Liberty Mutual
MAPFRE
Mercury
National General
Nationwide
NJM
North Star Mutual
Pekin
PEMCO
Plymouth Rock
Rural Mutual
Safeco
Selective Insurance
Sentry
State Auto
State Farm
Stillwater
Texas Farm Bureau
The Hartford/AARP
Travelers
UPC Insurance
USAA
Vermont Mutual
Westfield Insurance
Get your bundle quotes through Policygenius
Save thousands on insurance premiums
The average Policygenius customer saves $1,250 per year over what they were paying for coverage when they bundle their home and auto insurance.
Get multiple bundling quotes in one place
Talk to one insurance broker to get connected to quotes from the top insurers in the country — all for free with no impact to your credit and no spam calls to worry about.
Never fill out any insurance paperwork
Bundling through Policygenius means we'll do all the paperwork that comes with switching insurers — from purchasing your new policy to canceling your old ones.
Allstate earned the top award as the Best Home Insurance Company Overall, but Auto-Owners, State Farm, Erie, and Farmers all made the list as well. That's because we understand that our top overall pick might not be best for every home or circumstance. As a result, our curated list of the Best Home Insurance Companies of 2023 includes the best option for high-risk homes, high-value homes, superior customer service, and more.
What is the best auto insurance company?
GEICO earned the top award as the Best Auto Insurance Company for Most People, but Auto-Owners, Erie, State Farm, and Allstate all made the list as well. That's because we know the best company for you might vary from your neighbor based on your driving record and priorities. In turn, our curated list of the Best Car Insurance Companies of 2023 includes top picks for good drivers, teens, drivers with a few tickets, military families, and more.
How to get the best home and car insurance quotes
To bundle your home and auto insurance, the easiest way to get started is by using an insurance marketplace like Policygenius — we'll do all of the work for you.
Here's what you can expect during the bundling process and how to compare policies to find the best one for you:
Step 1: Answer a few questions about your home and auto coverage to get bundling quotes through Policygenius
Just answer a few questions about your home and vehicles you want to insure, and one of our licensed insurance agents will pull home and auto insurance bundle quotes from top companies for you to consider.
They'll also help you figure out if you need more or less coverage than you had with your last policies, and give you advice about any additional coverage you might want to consider. All for free, with no impact to your credit score.
Comparing rates from multiple companies will help you ensure you’re getting the best coverage at the lowest price. But remember that the cost of your home and auto insurance bundle isn't the only thing to consider.
You’ll also want to compare customer satisfaction and financial stability ratings along with the price to make sure you're not sacrificing quality just to save a few bucks.
You can use our Policygenius bundling ratings to help you compare your options. They take into account each company’s financial strength and stability, customer satisfaction scores, bundling rates and discounts available, and coverage options to give you a holistic view of each company’s strengths and weaknesses.
Make sure the insurer doesn't farm out policies to third parties
Some companies might offer the option to bundle your home and auto insurance, but then they'll turn around and farm out one of the policies to another company that will handle payments and claims. While you might still save money, it takes the convenience out of bundling policies with the same company. And you probably won't be able to pay just one deductible in the event your car and home are damaged in the same event.
Step 3: Sign your new policies and pay your first premiums
Once you’ve found a new company you want to bundle your home and auto insurance with, your Policygenius agent will fill out all of the paperwork you need to purchase the policies. All that you'll need to do is sign on the dotted line and pay your first premium. Then you can rest easy knowing you only have one insurance company to deal with should anything happen to your home or car.
Step 4: Last but not least, it’s time to cancel your old policies
Once you’ve purchased your new policies and have a set date for when it will go into effect, it’s time to cancel your old insurance policies. Our Policygenius agents will walk you through this entire process — and fill out all of the paperwork for you.
It's normally as simple as notifying your insurance company in writing that you'd like to cancel your policy and signing a cancellation letter. You might even get a refund for a portion of your premiums if you paid up front for the year.
Is it always cheaper to bundle your home and auto insurance?
Not necessarily. Every insurance company weighs factors differently when determining the risk of coverage, meaning the rates your home and car qualify for won’t be the same across the board. This is why it pays to compare quotes through an insurance marketplace like Policygenius. Our team of licensed insurance agents will crunch the numbers to help you find the best coverage at the lowest rates — whether that means bundling your policies or not.
Should you bundle your home and car insurance?
Bundling isn't for everyone — especially if you can get cheaper rates by sticking with two separate companies. Here's a handy guide to help you determine if it makes sense to bundle your policies together.
When you should bundle ...
You have a hard time remembering to pay your bills on time. Bundling can mean just one payment for all of your insurance policies.
You don’t qualify for many other discounts. Bundling can help you save up to 35% off your home and car insurance policies.
You live in a high-risk disaster area. Bundling means you’ll only pay one deductible if both your car and home are damaged in the same event.
When you should NOT bundle ...
You can get cheaper rates with separate companies. Re-shopping your policies once a year can help ensure you’re not missing out on similar coverage for a better price.
Your insurance company farms specific policies out. Some insurers act as affiliates and farm policies out to other agencies, meaning you might not be dealing with one company and payment after all.
Bundling insurance is when you buy home insurance and auto insurance policies from the same company. Besides the convenience of not having to jump between companies to find your policy information, most insurance carriers provide a discount for bundling policies.
What is the best home and auto insurance?
There is no one best home insurance and best auto insurance company — it all depends on what factors are most important to you. For example, someone who’s looking for bare bones coverage at the cheapest rates possible is going to have a different “best pick” than a person who cares the most about an easy claims filing process. The easiest way to find the best home and auto insurance company for you is to reach out to a Policygenius expert who can help you compare policies and rates from a number of companies.
Can you bundle renters and auto insurance?
Yes, many companies make it possible for you to bundle a renters insurance policy with your auto insurance policy. In general, you can bundle any property insurance policies together — like condo and auto insurance, or car, home and motorcycle insurance — as long as your insurance company offers them. Check with your provider to see which bundling options are available to you.
Can I set my policies to start at different times?
When you buy an insurance policy, you can choose the date on which you need coverage to start — even if you’re bundling multiple policies together. If you need your home insurance coverage to start next week but you won’t need your auto insurance coverage to start until the end of the month, just let your insurance agent know and they’ll make sure you get the correct start dates for each.
Can I file a single insurance claim for home and car damage?
No — if your home and car are damaged in the same event, you’ll have to file two separate insurance claims. But if you bundle your home and car insurance, you may only need to pay one deductible for the damage.
Policygenius prides itself on providing transparent, unbiased reviews of home insurance companies. Though we make money when you purchase a policy through our site, this does not affect our editorial independence and rigorous editorial standards.
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Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
Fabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker.
