10 Best Companies for Bundling Home and Auto Insurance in 2026
The best companies for bundling home and auto insurance are Liberty Mutual, Nationwide, and State Farm. Bundling discounts can lower rates by 25%. These top insurance companies that bundle home and auto stand out for their affordability and convenient mobile apps to manage multiple policies in one place.
Read more
Find the Lowest Car Insurance Rates Today
Quote’s drivers have found rates as low as $42/month in the last few days!
Table of Contents
Table of Contents
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...
Melanie Musson
Managing Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...
Laura Kuhl
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Updated May 2026
The best companies for bundling home and auto insurance are Liberty Mutual, Nationwide, and State Farm.
- Geico has cheap car insurance starting at $43 per month
- Liberty Mutual offers a 25% multi-policy discount
- Compare bundled insurance quotes online for the best rates
Who is the best insurance company for home and auto? Liberty Mutual stands out for offering the biggest home and auto insurance bundling discounts and the highest claims satisfaction.
These top 10 home and auto insurance companies excel in affordability, offering comprehensive protection, significant multi-policy discounts, and exceptional customer service.
Top 10 Companies: Best for Bundling Home and Auto Insurance
| Company | Rank | Claims Satisfaction | A.M. Best | Best for |
|---|---|---|---|---|
 | #1 | 730 / 1,000 | A | Custom Plans |
 | #2 | 729 / 1,000 | A+ | Low Mileage |
 | #3 | 716 / 1,000 | A+ | Mobile App |
 | #4 | 716 / 1,000 | A+ | Seniors |
 | #5 | 702 / 1,000 | A | Loyalty Rewards |
 | #6 | 697 / 1,000 | A++ | Low Rates |
 | #7 | 693 / 1,000 | A+ | Usage Based |
 | #8 | 691 / 1,000 | A++ | Financial Rating |
 | #9 | 690 / 1,000 | A | Safe Drivers |
 | #10 | 673 / 1,000 | A+ | Many Discounts |
Bundling home and auto insurance with these companies ensures you get the best coverage while simplifying policy management.
Find out who has the best insurance bundle near you with our free comparison tool. Explore your options now by entering your ZIP code.
Home and Auto Insurance Bundle Comparison
Many insurance companies offer discounts for bundling home and auto policies. Some of the top providers include Liberty Mutual and Nationwide.
Who has the best home and auto insurance bundle? Liberty Mutual has the best auto and home insurance discount of 25%, along with Allstate and American Family.
Auto & Home Insurance Monthly Rates: Before vs. After Bundling
| Company | Auto | Home | Total Before | Bundle Discount | Total After |
|---|---|---|---|---|---|
| $87 | $113 | $200 | 25% | $150 |
| $62 | $131 | $193 | 25% | $145 |
| $76 | $124 | $200 | 20% | $180 |
 | $43 | $117 | $160 | 15% | $136 |
| $96 | $120 | $216 | 25% | $162 |
 | $63 | $125 | $188 | 20% | $150 |
| $56 | $114 | $170 | 10% | $153 |
| $47 | $104 | $151 | 17% | $125 |
 | $61 | $114 | $175 | 5% | $166 |
 | $53 | $98 | $151 | 13% | $131 |
State Farm, Geico, and Travelers are the cheapest car and home insurance companies with bundles around $130 a month.
Read More: Best State Farm Auto Insurance Discounts
AmFam, Allstate, and Nationwide are the next affordable bundle insurance companies, keeping monthly premiums at or under $150.
State Farm is one of the best insurance companies for home and auto, thanks to its unbeatable combination of affordability and extensive coverage.
Zach Fagiano Licensed Insurance Broker
What is the best home and auto insurance? When it comes to deciding which is the best insurance company for home and auto for you, it depends on where you live and the kind of car you drive.
Because of this, you should always compare at least three quotes online to make sure you are getting the best deal for yourself. Start now with our free comparison tool.
How Homeowners Policies Affect Bundled Insurance Costs
The price of homeowners insurance can affect your bundled costs depending on your claims history and credit score.
The type of home you own, its size, and its location can also raise or lower your bundled insurance rates depending on the risks and rebuild costs in your area.
Most homeowners pay over $200 a month, but the top home and auto insurance companies charge less than that for under $500K in coverage.
However, home insurance premiums can increase to over $600 a month with higher coverage levels.
Home Insurance Monthly Rates by Provider & Policy Limit
| Company | $200K | $300K | $400K | $500K |
|---|---|---|---|---|
| $113 | $170 | $308 | $378 |
| $131 | $196 | $283 | $345 |
| $124 | $186 | $327 | $395 |
| $117 | $176 | $295 | $625 |
| $120 | $180 | $338 | $415 |
| $125 | $187 | $294 | $360 |
| $114 | $171 | $302 | $370 |
| $104 | $156 | $289 | $350 |
 | $114 | $171 | $269 | $600 |
 | $98 | $147 | $296 | $365 |
American Family and Nationwide are among the more expensive providers, but rates drop significantly when bundled with car insurance.
If you have a high-value home, Liberty Mutual offers more customizable coverage options, and you can offset its higher rates with its competitive 25% bundling discount. See More: Liberty Mutual vs. Geico Auto Insurance
What is the best insurance company for home and auto? That depends on your needs. If you want low rates, Travelers and State Farm are the cheapest insurance companies with home and auto bundles.
Comparing coverage online is the easiest way to find the best auto and home insurance company for you. Enter your ZIP code to get started now with free quotes.
How Auto Coverage Impacts Multi-Policy Bundles
What is the average auto insurance cost per month? For minimum coverage, monthly rates range from $43 with Geico to $96 with Liberty Mutual.
You’ll need more than minimum insurance if you lease a vehicle or have an auto loan. For full coverage, rates vary from $114 monthly with Geico to $248 per month with Liberty Mutual.
Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $87 | $228 |
 | $62 | $166 |
 | $76 | $198 |
| $43 | $114 |
| $96 | $248 |
 | $63 | $164 |
| $56 | $150 |
 | $47 | $123 |
| $61 | $161 |
| $53 | $141 |
These rates will, of course, vary depending on a multitude of personal factors. Your credit score, your address, your vehicle type, and the level of multi-policy discount you’re offered will impact your final premiums.
Always compare policy costs for both auto and home. Insurance companies charge different rates in different areas, so compare quotes by ZIP code to get an accurate estimate.
Comparing Insurance Bundle Premiums Across the Country
Finding the best home and auto insurance companies depends on where you live. Localized risks, especially a high number of theft or weather-related claims, will raise your bundled insurance rates.
Comparing auto insurance rates by state will give you an idea of what prices are like before you pick out a bundle.
Bundling home and car insurance in states with higher average premiums, like Texas and Arizona, saves about $30 a month for most drivers.
States in the Midwest have the cheapest auto and home bundles. Enter your ZIP code to see how average rates in your state compare and how much bundling policies could save you.
Bundling Home & Auto for Drivers at Different Ages
Teens and new drivers under 25 pay the most for insurance coverage due to their lack of claim history and driving experience.
Since providers consider younger policyholders high risk, bundling policies is one of the easiest ways to lower rates.
Find Out More: 6 Reasons Auto Insurance Costs More for Young Drivers
If you’re adding a driver to car insurance, bundling policies can save you up to 25%, reducing teen full coverage rates by $121.
What are the top-rated auto and home insurance companies for teens and young drivers? State Farm and AmFam programs that improve teen driving skills, which keep rates low for families adding new drivers.
How Driving Habits Can Raise Insurance Bundle Prices
High-risk drivers with multiple claims or citations will pay higher rates, even with bundling discounts.
Liberty Mutual is one of the most expensive car and home insurance companies for drivers with DUIs or accidents, and if you also have home insurance claims on your record, its 25% discount won’t mean much.
Auto Insurance Monthly Rates by Provider & Driving Record
| Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $87 | $103 | $124 | $152 |
| $62 | $73 | $94 | $104 |
 | $76 | $95 | $109 | $105 |
| $43 | $56 | $71 | $117 |
| $96 | $116 | $129 | $178 |
| $63 | $75 | $88 | $129 |
| $56 | $74 | $98 | $75 |
| $47 | $53 | $57 | $65 |
| $61 | $74 | $89 | $174 |
| $53 | $72 | $76 | $112 |
On the other hand, State Farm and Progressive are the best insurance companies for high-risk drivers, costing $100 less than Liberty Mutual after a DUI.
Combine that with bundling discounts between 10% and 17%, and high-risk drivers with home or renters insurance could save another $10 a month.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
How to Buy Home & Car Insurance Bundles
If you’re shopping around with the best insurance companies, a car or auto bundle with home or renters insurance can really help you save money.
Collect details about your current auto and home insurance policies, including coverage limits, deductibles, claims history, and renewal dates, and follow these steps:
- Compare Multiple Quotes: Request bundled quotes from at least three insurers. The cheapest bundle isn’t always the best if it comes with poor claims satisfaction.
- Review Coverage Details: Make sure each quote includes the same coverage and optional protections you currently carry or need to add.
- Start New Coverage: Buy auto insurance and set your new bundled policy to begin before your current policy ends so there is no gap in protection.
- Work With New Insurer: In many cases, your new insurer can help you cancel your previous policy and provide proof of replacement coverage.
Timing matters when switching insurance companies, especially for home and auto bundles, because even a short lapse in coverage can lead to higher future rates.
Never cancel your current insurance until you’ve received proof of insurance and confirmation that your new policies are fully in force. This is especially important if your mortgage company pays homeowners insurance through escrow.
Make sure the start date for your new policy and the end date for your old policy are the same to avoid a lapse in coverage. Having a lapse in insurance coverage can negatively affect your rates.
Michelle Robbins Licensed Insurance Agent
You may need your new insurance company to send over a cancellation letter to your previous insurance company with your new policy number, but that doesn’t require any work on your end.
Insurance rates and discounts change frequently, so it’s smart to compare bundled quotes every year to make sure you’re still getting the best combination of price, coverage, and customer service.
Don’t Miss It: How to Check if a Vehicle Has Auto Insurance Coverage
When Not to Bundle Car & Home Insurance Companies
Bundling insurance coverage with one company can save many drivers and homeowners money, but it isn’t always the best option for every household. Weigh the pros and cons of bundling insurance before you buy.
For example, one insurer may offer cheap auto insurance but limited homeowners endorsements, while another specializes in high-value home insurance but charges more for vehicles.
In some cases, with recent accidents or homeowners with multiple property claims or luxury homes may actually pay more when policies are bundled together.
For many people, however, bundling still makes financial sense. Policyholders interested in combining additional coverage like renters, life, or umbrella insurance will benefit most from bundled discounts.
Getting the Lowest Bundled Insurance Rates
Which are the best home and auto insurance companies? If you want to save money, Liberty Mutual has the biggest discount at 25%, while Geico has the lowest bundled premiums at $136 monthly.
Bundling your insurance policies is the best way to save on your insurance rates, but you can also use other strategies to keep costs low.
- Compare Quotes Online: Compare bundled insurance quotes from other companies every few months to ensure you’re getting the best deal.
- Keep Policy Up-to-Date: Set aside some time to review your policy whenever it is up to make sure you’re not paying for anything you don’t need.
- Try Usage-Based Plans: You can earn additional discounts if you track your mileage and driving habits with usage-based insurance (UBI).
The best home and car insurance companies offer UBI plans, including Liberty Mutual RightTrack and State Farm Drive Safe & Save.
Nationwide offers two types of pay-as-you-go auto insurance, one of which just tracks mileage and not driving habits.
Ask about any other auto insurance discounts you might qualify for, such as those for your vehicle’s safety features or your child’s good grades, which could save you money.
You can stack any of these additional discounts with your bundling discount to cut rates by 50% or more.
Maximize Bundled Savings With More Discounts
Policyholders who bundle multiple policies with the same company are eligible for more discounts, including loyalty rewards at every renewal.
State Farm offers one of the smallest loyalty auto insurance discounts of 7%, but its premiums are often the cheapest, so it pays to compare quotes and discounts to see which provider offers the better deal.
Auto Insurance Discounts for Drivers Who Bundle Policies
| Company | Bundling | Loyalty | Multi-Car | Pay-in-Full | Usage Based |
|---|---|---|---|---|---|
| 25% | 15% | 25% | 10% | 30% |
| 25% | 18% | 20% | 20% | 30% |
| 20% | 12% | 12% | 10% | 30% |
| 15% | 10% | 25% | 10% | 25% |
| 25% | 10% | 25% | 12% | 30% |
| 20% | 13% | 12% | 15% | 40% |
| 10% | 13% | 12% | 15% | $231/yr |
| 17% | 7% | 20% | 15% | 30% |
| 5% | 7% | 10% | 5% | 20% |
| 13% | 9% | 25% | 15% | 30% |
Liberty Mutual and Nationwide are the top insurance companies for home and auto discounts, and also offer great usage-based discounts of up to 40% for safe drivers who track their driving habits and mileage.
Homeowners who insure multiple vehicles under the same policy can earn an additional 25% off with Liberty Mutual, potentially cutting rates in half when bundled with a home policy.
10 Top-Rated Home and Auto Insurance Companies
What is the best insurance company for auto and home? Liberty Mutual has the biggest discount of 25%, but State Farm is one of the most popular and highest-rated insurance companies for home and auto.
Allstate and Farmers are also top picks, but not as popular, mostly due to their higher premiums.
USAA has the best home and auto insurance bundles for military members, but you won’t qualify without a military history.
Compare Now: Best Auto Insurance for Military Families and Veterans
We’ve ranked the top auto and home insurance companies so you can find the best provider for your coverage needs.
#1 – Liberty Mutual: Top Pick Overall
Pros
- Custom Coverage: Our Liberty Mutual auto insurance review highlights popular options, such as roadside assistance and new or better car replacement.
- Biggest Bundling Discount: Get 25% off when you bundle auto, home, or any other Liberty Mutual insurance policies.
- National Coverage: Customizable bundled insurance policies are available across all 50 states and Washington, D.C.
Cons
- Higher Average Rates: Liberty Mutual’s full coverage premiums tend to be higher compared to other auto and homeowners insurance companies.
- Customer Service Ratings: While Liberty Mutual reviews are generally positive, some complaints relate to high rates.
#2 – Nationwide: Best for Low-Mileage Drivers
Pros
- Pay-Per-Mile Plans: Nationwide SmartMile option lowers rates for infrequent drivers by only charging for the miles driven.
- Vanishing Deductible: Reduce deductibles by $100 for every claim-free year. Learn how to qualify in our guide: Nationwide Auto Insurance Review
- On Your Side Review: Nationwide conducts annual On Your Side reviews to ensure policyholders are not paying more than necessary for their insurance needs.
Cons
- Limited Availability: Nationwide is not available in all states, which may limit accessibility for some potential policyholders.
- High Accident Rates: Policyholders with a history of accidents may face higher premiums from Nationwide than other home and car insurance companies.
#3 – State Farm: Best for Mobile App
Pros
- Convenient Digital Experience: The State Farm insurance app streamlines tasks such as filing claims, making payments, and tracking policies.
- Steer Clear Program for Teens: Young drivers who complete this training module earn discounts that stack with bundle savings.
- Stellar Reputation: State Farm boasts top ratings in customer service, claims processing, and coverage quality. See full ratings in our guide: State Farm Review
Cons
- Limited Add-Ons: State Farm lacks options like new vehicle replacement, vanishing deductibles, and accident forgiveness.
- Higher Rates for Poor Credit: Drivers with poor credit may face higher insurance premiums with State Farm.
#4 – The Hartford: Best for Seniors
Pros
- AARP Membership Benefits: The Hartford auto insurance review lists the exclusive benefits for seniors who are AARP members.
- Superior Customer Satisfaction: The Hartford’s excellent ratings for customer satisfaction reflect its commitment to providing exceptional service.
- Affordable Rates for Seniors: The Hartford provides low insurance rates tailored for older drivers.
Cons
- Smallest Bundle Discount: The Hartford’s discount of 5% is much smaller than the other house and car insurance companies on this list
- Not Available to Young Drivers: Only seniors and their family members qualify for The Hartford insurance bundles.
#5 – American Family: Best for Loyalty Rewards
Pros
- Loyalty Rewards: American Family incentivizes long-term policyholders with a variety of rewards that stack with bundling discounts.
- Extensive Coverage Options: Our AmFam auto insurance review covers an array of policy options designed to accommodate all types of drivers.
- Strong Financial Stability: The company’s high financial rating is a relief for policyholders in high-risk areas who may need to file expensive claims.
Cons
- Average Claims Handling Reviews: Customers in some states have reported difficulties and frustrations with AmFam’s claims handling process.
- Limited Coverage Area: American Family’s insurance coverage is restricted to only 19 states, limiting its availability.
#6 – Geico: Best for Low Rates
Pros
- Affordable Rates: Geico offers cheaper premiums than most auto and home insurance companies.
- Low Deductibles: Auto insurance deductibles start as low as $250, saving you out-of-pocket costs when filing a claim.
- Extensive Discounts Available: Geico auto insurance discounts offer a wide range of savings opportunities beyond bundling, including UBI options.
Cons
- No Gap Coverage: Our Geico insurance review found that it lacks gap coverage, leaving customers financially vulnerable when leasing or financing a vehicle.
- Higher Rates for Drivers With a DUI: Drivers with a history of DUIs see higher premiums than at other home auto insurance companies.
#7 – Allstate: Best for Usage-Based Plans
Pros
- Drivewise UBI Program: Drivers who utilize Drivewise can potentially save up to 30% by tracking their driving habits.
- Big Bundle Savings: Allstate offers one of the biggest bundling discounts of up to 25%.
- Extensive Agent Reach: With one of the largest networks of local agents nationwide, Allstate ensures convenient access to support.
Cons
- Customer Service Variability: Allstate auto insurance reviews and customer service experiences can vary depending on where you live.
- Expensive Homeowners Insurance: Allstate home insurance rates are higher than average for policies with $300K in coverage or more.
#8 – Travelers: Best for Financial Strength
Pros
- Strong Financial Standing: Travelers’ strong financial standing is underscored by its A++ rating from A.M. Best, reflecting the company’s stability and reliability.
- Comprehensive Coverage: Travelers offers extensive auto insurance options designed to cater to a wide range of coverage needs and preferences.
- Driver Discounts: Along with bundling discounts, Travelers rewards safe drivers and loyal customers. Get a full list in our review: Travelers Insurance Review
Cons
- UBI Rate Increases: Drivers should be cautious when enrolling in Travelers’ IntelliDrive Program, as poor driving habits could result in higher premiums.
- Poor Customer Reviews: Travelers has lower claims satisfaction scores than other home and car insurance companies on this list.
#9 – Farmers: Best for Safe Drivers
Pros
- Safety Discounts: Safe drivers can save big with Farmers, thanks to its discounts, including its telematics program Signal.
- User-Friendly Technology: Its user-friendly website design and mobile app make it easy to manage multiple policies and file claims.
- Several Ways to File Claims: Our Farmers review covers how to file a claim online, through the app, or with the Farmers auto insurance claims phone number.
Cons
- Higher Than Average Rates: Farmers has above-average premiums for both full and minimum coverage policies.
- Limited State Availability: Farmers isn’t in Alaska, Hawaii, Delaware, New Hampshire, Maine, Rhode Island, West Virginia, Vermont, or Washington D.C.
#10 – Progressive: Best for Many Discounts
Pros
- Stackable Discounts: Our Progressive auto insurance review lists the discounts customers can stack with its 10% bundling discount.
- Name Your Price Tool: New customers can use Progressive’s Name Your Price tool to find coverage that aligns with their monthly budget.
- Online Quotes: Easily obtain an auto insurance quote from Progressive online with just a few simple steps.
Cons
- Rate Increases Following an Accident: Progressive auto insurance increases rates higher for drivers with accidents than other providers.
- Snapshot UBI Risk: Although the program can earn drivers a discount, enrolling in Snapshot might result in higher rates if driving behavior is deemed risky.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Shop the Best Bundled Insurance Companies
Getting coverage with an insurance company that bundles multiple policies is easy, especially when shopping online.
You can create bundles like auto and home insurance, auto, home, and life insurance, boat and auto insurance, or auto, home, and personal liability, depending on your needs.
Multi-policy discounts don't just apply to home insurance. It's also a great way to save if you're about to purchase a boat or are thinking of getting personal liability insurance.
Travis Thompson Licensed Insurance Agent
Liberty Mutual, Nationwide, and State Farm are the best companies for bundling home and auto insurance. Review your policies annually and learn how to save money by bundling insurance.
When you buy car insurance, companies that bundle home and auto can provide comprehensive coverage at a discount rate if you already carry another policy with them.
If you already own a car and own or rent your home, you’ll need to shop with well-rounded home and auto insurance companies to get the best rates.
What are the top-rated home and auto insurance companies near me? Compare insurance rates from local providers now by entering your ZIP code into our free comparison tool.
Frequently Asked Questions
What is the best insurance company to bundle home and auto?
The best home and auto insurance company can vary depending on individual needs, but Liberty Mutual has the biggest multi-policy discount of 21% and is often highlighted for its claims service.
What is an auto and home insurance bundle?
A home and car insurance bundle is a combined policy that provides coverage for both your vehicle and home, often at a discounted rate compared to purchasing separate policies.
Is it actually cheaper to bundle home and auto insurance?
Yes, you can get lower rates with the best auto and home insurance companies that offer discounts of 5% or more on bundle policies. Geico has the cheapest rates starting at $43 a month with a multi-policy discount of 15%.
Read More: How to Find Affordable Auto Insurance Rates Online
How much does bundling home and car insurance cost monthly?
Finding the best home and auto insurance rates depends on a variety of factors, including your driving history and where you live. Geico has the most affordable home and auto insurance starting at $43 a month, but premiums can quickly increase if you have claims on your record.
How can I get auto and home insurance bundle quotes?
Visit insurance company websites, use online comparison tools, or contact insurance agents directly to get an insurance bundle comparison. Get quotes now with our free comparison tool.
Is Geico or Progressive better for bundling insurance?
Geico has lower rates and better customer service ratings than Progressive, but Progressive auto insurance discounts are bigger, and drivers can stack them to multiply multi-policy savings.
What are the benefits of bundling insurance?
The best insurance bundle offers significant savings through multi-policy discounts, simplifies policy management by combining coverage, and provides comprehensive protection for both your home and vehicle.
Can I bundle auto, home, and life insurance?
Yes, many insurance companies offer the option to bundle auto with multiple types of coverage, including life insurance. If your provider offers it, you can also buy an auto and boat insurance bundle for additional discounts and more streamlined policy management.
Learn More: Does auto insurance cover towing a boat?
How does bundling home and car insurance work?
Bundling home and auto insurance involves purchasing both types of coverage from the same insurer, which typically results in a discount and makes it easier to manage your policies under one account.
What are the advantages of bundling insurance?
Bundling auto and home insurance can lead to significant cost savings with discounts up to 21%. It also simplifies billing and makes it easy to manage your auto insurance policy with other types of coverage.
Can I bundle renters and auto insurance?
Related Articles
-
Dec 2024
What are the average collateral insurance premiums? (2026)
-
Jun 2025
8 Best Auto Insurance Companies That Don’t Ask for Your SSN (2026)
-
Dec 2024
Best States for Affordable DUI Auto Insurance (2026)
-
Jan 2025
Cheap 2-Month Auto Insurance in 2026 (Save Big With These 9 Companies!)
-
Feb 2025
Does a physical control violation affect auto insurance rates?
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
