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Best Home and Auto Insurance Companies for Bundling

When you bundle home and auto insurance with one company, you can save a lot of money. Here are the best insurers for bundling.

Signing home and auto insurance documents

Bundle both your car and home insurance policies with American Family and you could save $600 a year — or more — on your combined coverage.

That makes American Family the best home and auto insurance company for bundling, based on our research.

This doesn’t mean you can’t save money bundling insurance with other companies. Most insurers give multi-policy discounts to people who buy auto and home coverage from them.

In fact, all of the companies we surveyed provide bundle discounts, and almost all of them provide discounts of up to 10% at least for bundling. Some provide bundling discounts of up to 30%.

Keep reading to learn more about the above, as well as:

Best insurance companies for home and auto bundle discounts

American Family offers the best home and auto insurance bundle discount, according to our data. When you bundle coverage with this company, you can save up to 29% on your auto premium and up to 20% on your homeowners premium. For an average driver, that could mean a discount of $364 per year on a full-coverage policy, or $186 per year on a state-minimum policy. And it could mean a discount of $243 per year on an average homeowners policy.

Although American Family offers the best home and auto insurance bundle overall, other companies offer great multi-policy discounts, too. For example, people who bundle coverage with AAA can save up to 25% on their home insurance premium. That could mean a discount of $304 per year for the average homeowner.

Insurance company Max auto discount (minimum coverage) Max auto discount (full coverage) Max homeowners discount
21st Century $32 $63 $61
AAA None None $304
AARP (The Hartford) $32 $63 $243
Allstate $80 $157 $152
American Family $186 $364 $243
Amica $96 $188 $182
Erie $80 $157 $152
Esurance $32 $63 $61
Progressive $77 $151 None
Safeco $48 $94 $91
State Farm $54 $107 $103
Travelers $83 $163 $182
USAA None None $122
Source: See methodology

Check out AARP, Amica and Travelers, too, when shopping around for the best auto and home insurance bundles.

Our survey of top-rated home and auto insurance companies found that the bundling discounts you get from AARP, Amica and Travelers may compare to the ones American Family and AAA are known for offering.

AARP members who bundle their home and auto insurance with the organization’s partner, The Hartford, might save $243 per year or more on their homeowners policy, for instance. And Amica customers who bundle their car and home coverage may save $182 per year on their homeowners policies and $188 on their full-coverage auto policies. People who get a multi-policy discount from Travelers could save $182 per year on their homeowners coverage and $163 per year on their auto coverage.

To get a better idea of how much money you might save with a bundling discount from your insurance company, multiply your auto and home premiums with the percentages below.

Insurance company Bundling discount up to
21st Century 10%
AAA 25% on home
AARP/The Hartford 5% on auto, 20% on home
Allstate 25%
American Family 29% on auto, 20% on home
Amica 30%
Erie 25%
Esurance 10%
Progressive 12% on auto
Safeco 15%
State Farm 17%
Travelers 13% on auto, 15% on home
USAA 10% on home
Source: See methodology

While doing this, keep in mind that the percentages highlighted in this table are the maximum discounts these companies may offer you when you bundle home and auto insurance with them. The bundling or multi-policy discount you receive could be lower.

Also keep in mind that the companies discussed here aren’t the only ones that offer multi-policy discounts to people who bundle auto and home coverage with them. Many others — like Farmers, GEICO and Nationwide — offer discounts for bundling, too, but you’ll need to do some legwork to find out how much money you might save as a result.

How to compare auto and home insurance bundles

Here’s how to get the best home and auto insurance bundle for you:

  • Start by finding out if your current home and auto insurance companies offer bundling discounts.
  • Get quotes for car and home insurance bundles and discounts from other top-rated companies, and then compare them to your current provider’s offer. This can take a bit of time, but it’s worth it.
  • If there’s something you love about your current provider or policy — like roadside assistance, great customer service or easy billing — make sure the other insurers you’re considering offer it, too. You don’t want to switch insurance companies for a bundle discount only to find out you’ve lost the coverages and features that are important to you.
  • Some insurers will charge you a fee to cancel your policy, especially if you cancel in the middle of a term. See if that’s the case for you before moving to another company for a bundling discount.
  • Avoid a lapse in coverage. If you change companies to bundle home and auto insurance, make sure your new policies start on the same day your old policies end. Some providers offer a grace period between policies, but don’t rely on that.

Other tips for bundling home and car insurance

To get the most out of a home and auto insurance bundle comparison, you should do more than study possible discounts side by side.

Look beyond cost when it comes to insurance bundles

Cost isn’t the only thing that matters when it comes to choosing an insurance company or settling on a home and auto insurance bundle. This is especially true while shopping for a home insurance provider, as a house is usually your most expensive asset. You want good coverage, rather than just cheap coverage.

Consider a company’s ratings and reputation, too

There’s no question an affordable quote is appealing when shopping for insurance. But just as important as a low rate is buying auto and home insurance from a reputable company with good ratings and reviews. So read through home and auto insurance company ratings from Consumer Reports and J.D. Power. While you’re at it, examine the complaint ratio in your state for all prospective insurers. Ideally, your preferred provider will have good reviews and a reasonable ratio of customer complaints.

Don’t forget your other requirements while comparing discounts

Beyond cheap premiums or specific coverage options, you might want to get car and home insurance from a company that offers great customer service. Or you might want to get coverage from an insurer that excels in other important areas. Keep those things in mind as you compare home and auto bundle discounts.


Here’s how we came up with the maximum discount amounts included in this article:

  • First, we gathered the bundling discount percentages highlighted above from the insurers’ websites.
  • Then we applied those discount percentages to the national averages from our average cost of car insurance and average cost of homeowners insurance reports.
  • The national averages used here are: $641 per year for state-minimum car insurance, $1,255 per year for full-coverage car insurance and $1,215 per year for homeowners insurance.
  • In the cases where an insurer didn’t specify on their website whether the maximum discount percentage would be applied to auto, home, both individually or both combined, we divided the percentage in half and split it between the two coverage options. LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.