10 Best Companies for Bundling Home and Auto Insurance in 2024
Progressive, Geico, and State Farm lead the pack as the best companies for bundling home and auto insurance. With top providers, coverage is available for as little as $80/month, ensuring affordability without compromising on protection. Compare home and auto insurance bundle quotes today for maximum savings.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: May 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Avg. Monthly Rates
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rates
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rates
A.M. Best Rating
Complaint Level
Pros & Cons
Progressive, Geico, and State Farm are the best companies for bundling home and auto insurance, with rates starting at $80/month.
Bundling ensures comprehensive protection at affordable prices. Since customers are awarded significant cost savings through multi-policy discounts, they not only save big, but they also enjoy simplified management by consolidating policies with a single auto insurance company, reducing paperwork and streamlining the claims process.
Company | Rank | Home & Auto Discounts | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | Up to 20% | A+ | Combining Discounts | Progressive | |
#2 | Up to 18% | A++ | Low Deductibles | Geico | |
#3 | Up to 25% | A++ | Complete Coverage | State Farm | |
#4 | Up to 20% | A+ | Complete Coverage | Allstate | |
#5 | Up to 15% | A | Safety Discounts | Farmers | |
#6 | Up to 18% | A+ | Vanishing Deductible | Nationwide | |
#7 | Up to 22% | A | Optional Coverage | Liberty Mutual | |
#8 | Up to 20% | A | Loyalty Rewards | American Family | |
#9 | Up to 15% | A++ | Comprehensive Coverage | Travelers | |
#10 | Up to 20% | A+ | Exclusive Benefits | The Hartford |
Enter your ZIP code into our free tool to start comparing free quotes from auto insurance companies that bundle home and auto insurance.
- Progressive, Geico, and State Farm lead in bundling home and auto insurance,
- Bundling policies is one of the most effective ways to save money insurance
- Working with one provider simplifies management of your policies
#1 – Progressive: Top Overall Pick
Pros
- Name Your Price Tool: Prospective customers can use Progressive’s Name Your Price tool to find coverage that aligns with their monthly budget.
- Snapshot Program: Progressive’s Snapshot program awards a discount for safe driving.
- Online quotes: Easily obtain an auto insurance quote from Progressive online with just a few simple steps.
Cons
- Rate Increases Following an Accident: Following an accident, rates will likely increase. Our Progressive auto insurance details potential rates for drivers with accidents on their records.
- Snapshot Risk: Although the program can earn drivers a discount for good performance, enrolling in Snapshot might result in higher rates if driving behavior is deemed risky.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#2 – Geico: Best for Low Deductibles
Pros
- Low Deductibles: Auto insurance deductibles start as low as $250, saving you out-of-pocket costs when filing a claim.
- Affordable Rates for Safe Drivers: Geico offers competitive premiums for safe drivers.
- High Customer Satisfaction: Geico is known to provide customers with excellent service.
- Extensive Discounts Available: Customers can save significantly thanks to Geico’s wide range of discount options available. Check out a complete list of discounts in our review of Geico auto insurance.
Cons
- No Gap Coverage Available: Lack of gap coverage leaves customers financially vulnerable when leasing or financing a vehicle.
- Higher Rates for Drivers with a DUI: Drivers with a history of DUIs see significantly higher premiums.
#3 – State Farm: Best for Complete Coverage
Pros
- Complete Coverage: State Farm provides insurance tailored to individual needs, offering everything from state minimums to comprehensive coverage. For a detailed list of coverage options, refer to our State Farm auto insurance review.
- Stellar Reputation: State Farm auto insurance boasts top ratings in customer service, claims processing, and coverage quality.
- Convenient Mobile App: The State Farm app streamlines tasks like claim filing, payments, and policy tracking for user convenience.
- Personalized Pricing: Customers can easily customize coverage to secure an affordable rate that fits their budget.
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 – Allstate: Best for Complete Coverage
Pros
- Complete Coverage: Allstate provides a wide range of choices to ensure you are fully covered while behind the wheel. Discover more about available options in our Allstate auto insurance review.
- Drivewise Program: Drivers who utilize Drivewise can potentially save up to 40% on their insurance premiums.
- Extensive Agent Reach: With one of the largest networks of local agents nationwide, Allstate ensures convenient access to support.
Cons
- Higher Premiums: Allstate’s rates tend to be higher than those of its competitors.
- Mixed Customer Reviews: Despite its expansive presence, Allstate receives below-average ratings in customer satisfaction surveys.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#5 – Farmers: Best for Safety Discounts
Pros
- Safety Discounts: Safe drivers can save big with Farmers, thanks to its discounts, including its telematics program Signal, which allows drivers to save 15% when signing up and an additional discount of up to 20% for their safe driving based on driving habits.
- User-Friendly Technology: Farmers’ website and mobile app are user-friendly, making it easy to manage policies and file claims. Our auto insurance review of Farmers further explains the mobile app and its capabilities.
- Several Ways to File Claims: Filing a claim with Farmers Insurance is straightforward. You can initiate a claim online, through the app, or by dialing 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: While Farmers provides car insurance in most states, it’s unavailable in Alaska, Hawaii, Delaware, New Hampshire, Maine, Rhode Island, West Virginia, Vermont, and Washington D.C.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide’s Vanishing Deductible program reduces the deductible by $100 each year. Policyholders can enjoy decreasing deductibles annually, contributing to potential savings over time. Learn about additional add-ons in our Nationwide auto insurance review.
- On Your Side Review: Nationwide conducts annual On Your Side reviews to prevent ensure policyholders are not paying more than necessary for their insurance needs.
- Pay-Per-Mile: Nationwide offers a pay-per-mile coverage option suitable for infrequent drivers.
- This option caters to individuals who don’t drive often, potentially leading to more affordable premiums.
Cons
- Limited Availability: Nationwide’s coverage is not available in all states.
- High Accident Rates: Nationwide may impose high premiums for policyholders with a history of accidents.
#7 – Liberty Mutual: Best for Optional Coverage
Pros
- Optional Coverage: Liberty Mutual customers can take advantage of optional coverage, including roadside assistance, new car replacement, and better car replacement. A full list of extras is available in our auto insurance review of Liberty Mutual.
- Deductible Rewards: Liberty Mutual provides deductible rewards, lowering deductibles for each claim-free policy period.
- Nationwide Coverage: Liberty Mutual offers customizable policies across all 50 states and Washington, D.C.
Cons
- High Monthly Average Rates: Liberty Mutual’s full coverage premiums tend to be higher compared to other insurers.
- Average Customer Service Ratings: While Liberty Mutual reviews are generally positive, some complaints relate to high rates and customer service issues.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#8 – American Family: Best for Loyalty Rewards
Pros
- Loyalty Rewards: American Family incentivizes long-term policyholders with rewards and discounts.
- Extensive Coverage Options: American Family offers an array of coverage options to accommodate various needs. Take a look at the diverse coverage options in our American Family auto insurance review.
- Strong Financial Stability: American Family boasts a high financial rating, ensuring stability and reliability.
Cons
- Unfavorable Claims Handling Reviews: Some customers report challenges with American Family’s claims handling process.
- Limited Coverage Area: Coverage extends to 19 states.
#9 – Travelers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Travelers provides comprehensive auto insurance options tailored to meet diverse coverage needs and preferences. A complete list of coverage options can be found in our review of Travelers auto insurance.
- Driver Discounts: Customers can benefit from savings with Travelers’ range of driver discounts.
- Strong Financial Standing: With an A++ rating from A.M. Best, Travelers demonstrates stability and reliability.
- Nationwide Coverage: Travelers offers auto insurance coverage in all 50 states and Washington, D.C.
Cons
- Rate Increases for Poor Driving Habits: Drivers should be cautious when enrolling in Travelers’ IntelliDrive Program, as poor driving habits could result in higher premiums.
- Limited Rideshare Coverage Availability: Travelers’ rideshare insurance is only accessible in two states.
#10 – The Hartford: Best for Exclusive Benefits
Pros
- AARP Membership Benefits: Hartford offers free benefits specifically for AARP members, enhancing their auto insurance experience.
- Superior Customer Satisfaction: Hartford’s excellent ratings for customer satisfaction reflects its commitment to providing exceptional service.
- Affordable Rates for Seniors: Hartford provides low insurance rates tailored for older drivers, ensuring cost-effective coverage options.
Cons
- Elevated Complaint Volume: Despite its strengths, Hartford receives a higher volume of customer complaints regarding its auto policies compared to other insurers.
- Surcharge for Speeding Tickets: Hartford may impose higher rates for policyholders with speeding tickets, impacting their overall insurance costs. You can learn more about rates based on driving history in our Hartford auto insurance review.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Which auto insurance companies bundle home and auto?
Most insurance companies offer to bundle home and auto policies for a discount, but below are some of the best insurance companies you can purchase coverage from:
- Progressive
- Geico
- State Farm
- Allstate
- Farmers
- Nationwide
- Liberty Mutual
- American Family
- Travelers
- The Hartford
These companies are all major players in the insurance industry and can get you the coverage that you need for all your policies while helping you secure great rates as well.
When it comes to deciding which is the best insurance company for home and auto, that will all depend upon your personal preference and your unique situation. Because of this, you should always compare at least three quotes online to make sure you are getting the best deal for yourself.
But to help you narrow down your choices, let’s take a look at the average monthly auto insurance rates offered by these companies:
Company | Average Monthly Rate |
---|---|
Allstate | $178 |
Farmers | $137 |
MetLife | $170 |
Nationwide | $90 |
State Farm | $108 |
Travelers | $104 |
USAA | $73 |
As you can see, you can secure great auto insurance rates from auto insurance companies that bundle home, auto, boat, and personal liability.
These rates will of course vary from driver to driver depending on a multitude of personal factors like your credit score, your address, your vehicle type, and on the level of multi-policy discount you are offered.
How can I get coverage with auto insurance companies that bundle home and auto?
Getting coverage with a company that bundles multiple policies is easy — especially when you shop for insurance online. Depending upon your situation, you can create some of these bundles when filling out an online quote:
- Auto and home insurance
- Auto, home, and life insurance
- Boat and auto insurance
- Auto, home, and personal liability
When you’re filling out your quote, make sure that you are providing accurate information so you can get a realistic rate. Be sure to get between four to five quotes from different companies so you can see how each one measures up and determine which quote best suits your needs.
When comparing home and auto insurance bundle quotes, consider not just the price, but also the extent of coverage, discounts offered, and the reputation of the insurance provider. It's about finding the right balance between affordability and comprehensive protection for your needs.Daniel Walker Licensed Insurance Agent
Once you’ve found the perfect policy, you’ll need to finalize your purchase and contact your current insurance company to cancel your policy. When setting up a start date for your new policy and an end date for your old policy, make sure that there will be no lapse in coverage.
Having a lapse in insurance coverage can negatively affect your rates. You may need your new insurance company to send over a cancellation letter to you previous insurance company with your new policy number, but that doesn’t require any work on your end.
How can I get the best rates on my insurance?
Saving money is on everyone’s minds these days, and the Insurance Information Institute reports that 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.
Be sure to set aside some time so you can review your policy whenever it is up for renewal. Keeping your policy up-to-date is a simple, yet effective, way to make sure that you are not paying for anything you no longer need like a vehicle that you recently sold.
You should also compare quotes from other companies at least once a year to verify that your current company is still getting you the best deal and the best coverage.
When in doubt, ask if you are eligible for any auto insurance discounts that you may not be benefiting from currently. Your vehicles’ safety features or your child’s good grades could end up saving you a few dollars on your rates.
You can use this chart to go over any discounts that you may qualify for:
Vehicle Discounts | Customer Discounts | Personal Discounts |
---|---|---|
Active Disabling Device | Claim Free | Emergency Deployment |
Adaptive Cruise Control | Continuous Coverage | Family Legacy |
Adaptive Headlights | Defensive Driver | Family Plan |
Anti-Lock Brakes | Driver's Education | Federal Employee |
Audible Alarm | Driving Device/App | Further Education |
Automatic Braking | Early Signing | Good Student |
Blind Spot Warning | Full Payment | Homeowner |
Daytime Running Lights | Good Credit | Life Insurance |
Economy Vehicle | Loyalty | Married |
Electronic Stability Control | Multiple Policies | Membership/Group |
Farm/Ranch Vehicle | Multiple Vehicles | Military |
Forward Collision Warning | New Customer/New Plan | New Address |
Garaging/Storing | Occasional Operator | New Graduate |
Green/Hyrbid Vehicle | Online Shopper | Non-Smoker/Non-Drinker |
Lane Departure Warning | On-Time Payments | Occupation |
Newer Vehicle | Paperless/Auto Billing | Recent Retirees |
Passive Restraint | Paperless Documents | Stable Residence |
Utility Vehicle | Roadside Assistance | Student Away |
Vehicle Recovery | Safe Driver | Student or Alumni |
VIN Etching | Seat Belt Use | Volunteer |
Following through with these practices will help you obtain insurance rates that won’t break the bank and let you get the best deals available.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Auto Insurance Companies That Bundle Home and Auto: What You Need to Know
If you already own a car and are about to purchase a boat or are thinking of getting personal liability insurance, you’ll need a well-rounded auto insurance company; auto insurance companies that don’t bundle home and auto won’t be of much good to you.
When you buy auto insurance, auto insurance companies that bundle home and auto like USAA, State Farm, Travelers, and more can help you get all of the coverage you need.
Bundling your policies with one company will also get you a multi-policy discount; this is one of many auto insurance discounts that can greatly reduce your rates, but you should always review your policies at least once a year to make sure you aren’t missing out on any opportunities to save money.
Who has the best home and auto insurance bundle? That question can only be answered by you. Enter your ZIP code to start comparing free quotes from auto insurance companies that bundle home and auto so you can find the best company for you today.
Frequently Asked Questions
Is it cheaper to bundle home and auto insurance?
Yes, bundling home and auto insurance often leads to discounts, making it a cost-effective option for coverage.
How can I compare home and auto insurance bundle quotes?
You can compare auto and home quotes online by requesting quotes from different insurers or using comparison websites. Ideally, your home and auto insurance comparison will help you find affordable auto insurance that aligns with your budget.
What are the benefits of combining home and auto insurance?
If you combine home and auto insurance, you can streamline your policies, save you money, and simplify your billing process.
Which insurance companies offer bundle insurance for home and auto?
Many major insurers like State Farm, Liberty Mutual, and Progressive offer drivers the option to bundle auto and home insurance.
Where can I find affordable auto and home insurance bundle quotes?
You can find affordable auto and home insurance bundle quotes by shopping around and requesting quotes from multiple insurers.
What factors should I consider when shopping for home and auto insurance?
When shopping for insurance, many drivers choose the best auto and home quote based on coverage options, customer service, discounts, and the financial strength of the insurance company.
Does State Farm offer a bundle insurance option for home and auto?
Yes, purchasing a State Farm insurance bundle is an option, allowing customers to save on premiums.
How do I shop home and auto insurance bundles to find the best one?
To find the best bundle, compare home and auto insurance bundle quotes and consider factors like coverage, discounts, and customer reviews.
Does Liberty Mutual bundle home and auto insurance?
Yes, Liberty Mutual bundles home and auto insurance.
How can I obtain a quote for auto and home insurance bundles?
You can obtain quotes by contacting insurance companies directly or using their online quote tools to find a cheap auto and home insurance bundle.
Which companies are the best for bundling insurance?
Progressive, Geico, and State Farm are the best auto insurance companies when drivers want to purchase an auto and home insurance bundle.
Check out home and auto insurance quotes from top providers in your area by entering your ZIP code.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.