The best insurer for bundling both your car and home insurance policies is American Family, which can save you an average of $904 a year on combined coverage.

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 at least 10% for bundling, though some offer even higher savings.

Learn more about bundling discounts, as well as:

Best insurance companies for home and auto bundle

American Family offers the best home and auto insurance bundle discount, according to our research. When you bundle coverage with this company, you can save up to 29% on your auto premium and up to 20% on your homeowner's premium. For an average driver, that could mean a discount of $531 per year on a full-coverage policy or $321 per year on a state-minimum policy. And it could mean a discount of $373 per year on an average homeowners policy.

Maximum auto and home bundle discounts by company
Insurance company Max auto discount (minimum coverage) Max auto discount (full coverage) Max homeowners discount
Allstate $165 $334 $214
American Family $321 $531 $373
Erie $80 $159 None
Farmers $134 $241 $240
Nationwide $128 $235 $176
Progressive $105 $200 None
State Farm $65 $128 $158
Travelers $160 $298 $304
USAA $29 $63 $86
Note: See our methodology

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

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
AAA 15%
AARP/The Hartford 5% on auto, 20% on home
Allstate 25%
American Family 29% on auto, 20% on home
Amica 30%
Erie 16-25%
Esurance 10%
Farmers 20%
Nationwide 20%
Progressive 20%
Safeco 15%
State Farm 17%
Travelers 10% on auto, 12% on home
USAA 10%

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.

Should you bundle your home and auto insurance?

Nearly every state requires car insurance, and homeowners insurance is required in specific circumstances. Bundling and purchasing a policy under the same insurer may be the best way to save money. Besides receiving a discount, customers who bundle also benefit by not having to deal with multiple insurers, agents and bills.

Bundle only if you feel comfortable with the insurance company. Saving money is important to most people and for good reason. But don't discount the importance of other factors when dealing with your insurer. For instance, take into consideration if the company specializes in a specific insurance product. They may be great at handling car insurance claims, but lack expertise in home insurance.

Shop around for bundled plans and compare quotes to get the best rates.

See how much you could save with a new policy

How to bundle your home and auto insurance

  1. 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.
  2. 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.
  3. Make sure there aren't penalties for canceling your policy. Some insurers 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.

How to get the best home and car insurance bundle

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

Don’t buy more than you need

Sometimes the low price of an item or the idea of a great deal is enough of a draw for someone to make an unnecessary purchase. Don't buy anything you don't really need. After all, small payments eventually add up to large sums.

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. Ideally, your preferred provider will have good reviews and high customer satisfaction.

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.

Regularly shop and assess your bundle deal

Continue to shop around every six months to a year. One of the downsides to bundling policies is that consumers tend to stay with the same company. By not shopping around, customers may miss out on larger discounts. Your rates will likely change over time, and you may find better coverage at another company.

Don't forget to update your insurer about major life events. Changing jobs (and commute times) or having kids can affect your insurance needs. Make sure to let your insurer know, even under a bundled policy, so that they can make any necessary adjustments to your coverage.

What you need to know when bundling policies

  • You may benefit by only having to pay one deductible. If a storm causes damages to both your house and car, you would generally have to pay a deductible for both home and auto insurance.
  • Bundling may make it easier for you to get other types of insurance at a later time. If you buy multiple insurance products from the same company and retain a good claims history, your insurer may be more apt to offer you better deals for other forms of insurance.
  • Your discount might be less than your cousin's who lives across the country. One of the things companies take into consideration when calculating your rate is your location. Unsurprisingly, insurance rates in a state with harsher weather are typically higher.


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.

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