Cheapest home and auto insurance bundles of 2021

Progressive, Encompass, and Stillwater provide the best and cheapest home and auto insurance bundles of 2021. If you’re looking for a convenient and cheap way to insure your house and car, consider bundling your home and auto insurance.

Pat Howard 1600


Pat Howard

Pat Howard

Property and Casualty Insurance Expert

Pat Howard is a senior editor at Policygenius specializing in property and casualty insurance. His work has been featured on Property Casualty 360, Fatherly, MarketWatch, and more.

Published July 14, 2021|3 min read

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Most people who need homeowners insurance for a new house also have a car or two that they need to insure. Insurance companies know this, which is why many offer discounted rates and other perks for bundling your home and auto insurance

Insuring your home and car through the same company often comes with the convenience of only having to make one monthly payment for multiple insurance policies, a single policy deductible on damage or losses involving both your home and car, and significant policy savings. Customers have saved an average of 35% compared to their existing policies after re-shopping with Policygenius, but some insurers offer cheaper rates for bundling than others.

Find out which company offers the best and cheapest home and auto insurance of 2021.

Key Takeaways

  • Bundling home and auto insurance is a convenient and effective way to save money on coverage for your house and car

  • With a 30% bundling discount and other coverage perks, Progressive has the best overall home and auto insurance bundle

  • Make sure you’re comparing quotes from multiple insurers to ensure you’re not missing out on a better deal elsewhere

Who has the cheapest home and auto insurance?

Progressive has the best overall home and auto insurance bundle for both savings and policy perks, while Encompass provides the biggest bundling discount. If you’re looking for the cheapest home and auto quote, Stillwater is the insurer for you. 

  • Progressive - Best overall home and auto insurance bundle

  • Encompass - Best bundling discount

  • Stillwater - Cheapest quote

Company                                                                              Rate without bundle discountPercent discountRate with bundle discountSavings 
Encompass     $3,610                      Up to 35%       $2,346                   $1,263  
Stillwater  $2,779                      Up to 35%       $1,806                   $972    
Progressive$2,896                      Up to 30%       $2,028                   $869    
Safeco          $2,873                      Up to 25%       $2,154                   $718    
MetLife        $3,657                      Up to 22%       $2,853                   $805    
Nationwide  $2,926                      Up to 20%       $2,341                   $585    
Travelers    $2,744                      Up to 20%       $2,189                   $556    
Mercury        $3,115                      Up to 15%       $2,648                   $467    

Average annual cost based on an analysis of quotes submitted with Policygenius for a home with a replacement cost of $300,000 and a $1,000 deductible. Auto insurance rates are based on the National Association of Insurance Commissioners’ 2018 national average. Learn more about the methodology for our insurance company reviews here.

Progressive: Best overall home and auto insurance bundle

If you’re looking for a combination of savings and perks for bundling your home and car insurance policies, Progressive offers by far the best multi-policy package. With Progressive, you can save up to 30% on home and auto bundles, and if you ever need to file a claim for property damage involving your car and house, you only have to pay one policy deductible for the loss.

Encompass: Best bundling discount

By bundling your home and auto insurance with Encompass, we’ve found that you can save up to 35% on coverage. Although the Allstate subsidiary’s average annual premium is quite a bit higher than the industry average, you can trim those rates substantially by bundling.

Stillwater: Cheapest quote

If you’re looking for affordable coverage for your home and car, look no further than Stillwater. With an $1,806 average annual premium, Stillwater provides the cheapest home and auto insurance bundle of any Policygenius insurer.

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How to find affordable home and auto insurance

To find the most affordable home and auto insurance, you’ll want to keep a few things in mind to ensure you’re maximizing your savings.

1. Compare bundles from multiple insurers

Shopping for coverage using an insurance marketplace like Policygenius is a good way to ensure you’re not missing out on any deals. Be sure to compare bundling rates from at least three different home and auto insurance companies.

2. Consider mixing and matching policies with different insurers

Bundling home and auto insurance often means lower rates, but in some cases it might be cheaper to purchase your policies through different insurance companies. Don’t always assume you’re getting the best rate when you bundle.

3. Raise your policy deductibles

Your deductible is the amount you pay out of pocket after a loss before your insurance kicks in. A higher deductible could mean significantly cheaper insurance premiums, but higher out-of-pocket expenses in the event of a claim.

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