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Janet Berry-Johnson, CPA, is a freelance writer with a background in accounting and income tax planning and preparation. She's been writing for Compare.com since 2023 and has also appeared on various business and finance sites, including LendingTree, Chime, Insurify, Forbes, and WSJ. She’s passionate about making complicated financial topics accessible to readers.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Bundling your home and auto insurance can be a smart move. It offers the convenience of managing both policies with one company and could save you money — up to 25%, depending on the insurer. But not all bundles are created equal.
But not all bundles are created equal. For example, State Farm advertises average savings of well over $1,000 from bundling home and auto insurance. Allstate, on the other hand, offers potential savings of 25%. And companies like Farmers and USAA advertise up to 10% off premiums.
We’ll explain how bundling works, what to watch out for, and how to decide if it’s the right choice for you. We’ll also cover tips for finding the best insurance company so you can protect your assets and stretch your dollar.
Bundling multiple insurance products with the same company is one of the single most effective ways to lower your premiums.
Some good options for bundling include State Farm, Allstate, USAA, Farmers, and Progressive.
Bundling also offers convenience, simplified billing, and maybe a single deductible for claims affecting both your home and vehicle.
Not all insurance companies offer the same bundling experience. Some provide deeper discounts, while others stand out for their customer service.
To find the best home and auto bundling deals, we analyzed top insurers’ customer satisfaction, available coverages, and discount amounts.
We chose the following five companies based on those factors, as well as their average rates and claims processes.
Company  | Advertised Bundling Discount | Average Auto Insurance Premium | Average Home Insurance Premium |
|---|---|---|---|
| State Farm | Up to $1,356 per year | $108 per month | $0 per month |
| Allstate | Up to 25% | $142 per month | $0 per month |
| USAA | Up to 10% | $100 per month | $0 per month |
| Farmers | 10% or more | $212 per month | $0 per month |
| Progressive | Average of 7% | $161 per month | Data not available |
Our team analyzed and scored each company based on criteria such as cost, customer satisfaction, policy management, availability, and industry reputation.
Additionally, we analyzed each company’s advertised bundling discounts and maximum savings figures to select the five companies you see here.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm stands out for its bundling options and large network of local agents, making it a solid choice for people who want personal support. While the company doesn’t disclose its bundling discount amount, it says customers save an average of $1,356 from bundling home and auto.
Available in all 50 states and Washington, D.C.
Above-average customer service ratings from J.D. Power[1]
Extensive local agent network
Can be more expensive than other companies
Gap insurance and accident forgiveness not available
Must use local agents
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate is a top pick for bundling your insurance, thanks to its generous multi-policy discounts. It offers up to 25% off your premiums — one of the largest discounts among major insurance companies. The company also has digital tools to help you manage your policies and track your savings.
Bundling discount of up to 25%
User-friendly online tools and mobile app
Wide range of optional coverages
Mixed customer satisfaction
Accident forgiveness claims may increase home premiums
More complaints than expected
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $161/mo |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Progressive is a great option for bundling if you’re looking for affordable rates and a fast experience. While it offers a slightly lower bundling discount than other companies, Progressive often beats competitors on base pricing.
Competitive base rates
Offers online quotes and policy management
Large network of independent agents
Lower bundling discount than competitors
Below-average customer satisfaction
Mediocre claims satisfaction scores
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $111/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $212/mo |
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Farmers Insurance offers a wide range of coverage options and bundling discounts of 10% or more, making it a good option for combining your home and auto policies. It’s a great fit if you want to tailor both your home and auto policies to fit your needs.
Extra discounts for bundling home and 2+ vehicles
Flexible coverage options
Policy management through its mobile app
Rates may be higher than competitors
Mixed customer satisfaction ratings
Very high number of customer complaints
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA is consistently rated among the top home and auto insurance companies, making it an excellent option for bundling — if you’re eligible. Its insurance program is available only to U.S. military members, veterans, and their families. But if you qualify, you can save up to 10% when you bundle your home and auto insurance.
Highest J.D. Power customer satisfaction score
Strong financial stability
Available only to military members and their families
No local agent support
More customer complaints than expected
Comparing personalized quotes is the best way to save on insurance costs.
How much you save by bundling home and auto insurance depends on several factors, including your location, driving record, home value, and the insurance company you choose. While you’re not guaranteed to save money, most insurers offer discounts for bundling multiple policies.
Discounts vary from company to company, but we found that you can generally save anywhere from 10% to 25% by bundling your home and auto policies with the same company.
Your final premiums depend on:
Your insurance company’s discount structure
Where you park your vehicle[4]
Your driving history and vehicle
The amount and type of coverage you choose
Some companies offer generous bundling discounts, while others provide only modest savings. That’s why it’s important to compare quotes from different insurers before choosing a bundled policy.
Compare quotes and save by bundling your policies.
The main reason many people bundle their home and auto insurance is simple: savings. Insurance companies often reward customer loyalty, so bundling can unlock discounts you wouldn’t get by buying policies from two different companies. But the benefits go beyond saving money.
Other benefits of bundling include:
Bundling offers the convenience of dealing with one company, one bill, and often one point of contact for service or claims.
If a storm damages your home and vehicle, some insurance companies offer a single deductible, so you’ll only pay once for both claims. That can make a big difference when disaster strikes.
With just one insurance company, you can get answers and resolve issues quickly and easily.
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While bundling can offer up-front savings, it’s not always the best long-term deal. Some insurance companies may raise rates over time, and bundling could limit your ability to shop for the cheapest price for each policy. You might also find fewer options to customize coverage if one policy doesn’t fully meet your needs.
To avoid overpaying, review your bundled policies annually and compare quotes from other companies to make sure you’re still getting the value you signed up for.
Get rates from top insurance companies and save.
Bundling home and auto insurance can save you money, but the process isn’t always straightforward. We’ve answered some common questions to help you decide if it’s the right move for you.
Usually. Most major companies allow you to bundle your auto insurance with renters insurance. You may not save as much, but you’ll still benefit from streamlined billing and account management.
Bundling doesn’t change your coverage, but it may limit your flexibility if you need to change one of your policies. For example, some insurance companies don’t offer gap coverage or rideshare insurance. Make sure each policy meets your needs before bundling them together.
No. Not all insurance companies offer bundling discounts, and the discount amount varies from company to company. Some may offer only minimal savings, so it’s important to get quotes from multiple companies and compare the total cost — not just the discount percentage.
Yes. You can unbundle anytime, but you’ll lose your multi-policy discount and have separate bills. If you’re considering switching one policy, make sure to check how it will affect your overall costs.
The best home and auto insurance bundle for you depends on several factors, including the types of policies you have and where you live. That said, some of our top choices include State Farm, Allstate, and USAA.
Yes. Bundling home and auto insurance is one of the easiest and most effective ways to save on both policies. For example, people who bundle with Allstate can save up to 25% on both policies. And State Farm advertises potential annual savings of nearly $1,400.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Janet Berry-Johnson, CPA, is a freelance writer with a background in accounting and income tax planning and preparation. She's been writing for Compare.com since 2023 and has also appeared on various business and finance sites, including LendingTree, Chime, Insurify, Forbes, and WSJ. She’s passionate about making complicated financial topics accessible to readers.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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