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5 Best Home And Auto Insurance Bundles

Jodie Price

By Jodie Price | Updated August 6, 2025

Bundling home and auto insurance can save you 10–30% annually while simplifying coverage. Top insurers offer clear quotes, fewer bills, and single-provider support, making insurance easier to manage and more cost-effective.

  • State Farm

    Rated as the Best Overall, State Farm offers an impressive average bundling discount of 23%, making it a strong choice for cost-conscious consumers. It maintains a low complaint level for auto insurance, ensuring solid customer satisfaction in that area, though it has a high complaint level for home insurance. Despite this, its bundling perks and broad availability make it a standout option for many households.

    Our Expert Take With State Farm, you can bundle car insurance and homeowners insurance to simplify your experience and save money. The average annual cost for a home and auto bundle through State Farm is about $2,850, with discounts reaching up to 24%. This makes it a top pick, especially if you want comprehensive home and auto coverage under one provider. State Farm’s strength is its vast network of local agents, allowing for personal support and quick claims help. Their digital tools also let you manage your policy or file claims online any time. State Farm offers a wide range of car insurance discounts, like safe driver, multiple vehicle, and anti-theft device discounts, helping to lower your auto insurance rates even more. Their homeowners insurance comes with flexible coverage options and add-ons to fit your needs. You can easily customize coverage for valuable items or unique situations. State Farm’s mix of affordability, service, and options appeals to many people looking to bundle their auto and home insurance.

    Pros & Cons

    Pros

    • Up to 24% discount when you bundle car and home insurance.
    • Strong reputation for customer service and claim satisfaction.
    • Easy-to-use mobile app and online policy management tools.
    • Many local agents provide personal help.
    • Various discounts help lower your insurance premium for both auto and home.

    Cons

    • Not the lowest insurance rates for every person or in every region.
    • Some coverage options and discounts may not be available in all states.
    • Fewer digital features than some younger companies.
    • You may need to speak with an agent for some custom coverage options.

    States Available In

    State Farm offers home and auto insurance in all 50 states and Washington, D.C. This nationwide availability makes it one of the most accessible insurance providers in the U.S. No matter where you live, you can likely get coverage and support from a local State Farm agent.

  • Erie

    Rated as Great for Add-On Coverage, Erie offers an average bundling discount of 15% and stands out for its strong customer service, with low complaint levels for both auto and home insurance. It’s a solid choice for those seeking customizable coverage without compromising on reliability.

    Our Expert Take You will find Erie’s bundle discounts to be among the largest in the industry, sometimes saving you over 15% on combined policies. The company’s customer service gets high marks, especially when you work directly with a local agent. Policies include essential coverage but allow you to add extra features, like better protection for valuable items or coverage for road service. Many people report that claims are easy to file and settled quickly. Despite its strengths, Erie may not offer as many digital tools as larger nationwide insurers. You will also need to contact a local agent for quotes, since Erie does not provide online quotes in all areas.

    Pros & Cons

    Pros

    • Larger discounts for bundling, often above the national average
    • Highly rated customer service and claims process
    • Flexible options for policy customization
    • Fewer complaints compared to some larger competitors

    Cons

    • Coverage only available in certain states
    • Limited online tools – most interactions handled by phone or with a local agent
    • No 24/7 claims service in all locations
    • Some add-on features may increase costs

    States Available In

    Erie’s insurance products are only available in select states, including Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. If you reside outside these areas, Erie won’t be an option.

    For those within these states, Erie offers the benefit of working with local agents and the potential for strong savings through policy bundling. Its regional focus allows for more personalized service and support.

  • Nationwide

    Nationwide, rated Best for Low-Cost Auto and Home Insurance, offers an average bundling discount of 15%, helping customers save while simplifying their coverage. Both its auto and home insurance complaint levels are low, making it a strong option for budget-conscious buyers who still want reliable service.

    Our Expert Take Nationwide stands out for its flexible bundling options and clear policy management tools. You can manage your home and auto policies through one account using their website or mobile app. This helps you keep track of payments, review coverage, and file insurance claims all in one place. The claims handling process is efficient, supported by a 24/7 customer hotline. Claimants report short wait times and helpful representatives. Nationwide’s online claim system also allows you to track the status of your claim in real-time, making the process transparent. Bundling your home and auto insurance with Nationwide could save you up to 20%. This is higher than what some smaller insurers offer. Their range of coverages can fit both first-time buyers and long-time policyholders.

    Pros & Cons

    Pros:

    • Multi-policy bundling can save you significant money
    • Strong digital policy management tools
    • Reliable and quick insurance claims service
    • Wide range of coverage add-ons

    Cons:

    • Discounts may vary based on your location and personal profile
    • Rates might be higher in some regions or for higher-risk drivers
    • Some users report the online quote tool can be slow at busy times

    States Available In

    Nationwide offers home and auto insurance bundles in many states across the U.S., though availability may vary due to local restrictions or rules. States listed include Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Michigan, New York, North Carolina, Ohio, Pennsylvania, Texas, and Virginia.

    This list is a sample and may not reflect all states where Nationwide operates. To confirm if bundle coverage is available in your area, it’s best to consult Nationwide’s current state availability map.

  • Auto-Owners

    Auto-Owners, rated Best for Low Level of Complaints, provides an average bundling discount of 10%. It stands out for its strong customer satisfaction, with a low complaint level for auto insurance and a very low complaint level for home insurance, ideal for those who value dependable service.

    Our Expert Take Auto-Owners stands out for its attentive customer service and strong claims process. Many policyholders appreciate being able to work with a local agent, which can make getting help and filing claims easier. Combining home and auto policies can lead to notable discounts, helping you save money with one company. Coverage options are broad, letting you build a bundle that fits your specific situation. You can add features like accident forgiveness or emergency roadside assistance to your auto policy, and extended replacement cost to your homeowners coverage. This approach gives more control and peace of mind. The company has a solid reputation for claims support and few customer complaints compared to many other insurers. While rates vary, many find the pricing competitive, especially given the extra benefits and service you receive.

    Pros & Cons

    Pros:

    • High customer satisfaction ratings
    • Local agent support in person
    • Customizable coverage and generous bundle discounts
    • Strong financial stability

    Cons:

    • Not available in every state
    • Must work through a local agent (no direct online quotes)
    • Fewer digital tools than some larger companies
    • Pricing depends on each region, so discounts vary

    When looking at Auto-Owners, you’ll find strengths in their personal attention and range of coverage. However, digital features are limited, and not everyone will have access, depending on location.

    States Available In

    Auto-Owners Insurance is not licensed nationwide and only operates in select states. These include Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, and Nebraska.

    Additional states served include North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin. If you live outside these areas, you’ll need to consider other providers for bundled insurance options.

    Because availability can change, it’s important to check with a local agent for the most up-to-date information. Auto-Owners remains a solid choice within its coverage area, offering access to local agents and potential bundling discounts.

  • USAA

    USAA is recognized as the Best for Military Members & Veterans, offering an average bundling discount of 6%. It delivers solid customer satisfaction, with a low complaint level for auto insurance and a very low complaint level for home insurance, making it a reliable choice for those who serve or have served.

    Our Expert Take USAA consistently ranks high for customer satisfaction and claims service. You can expect strong coverage options and competitive prices when bundling policies. Many users see discounts of up to 10% when they combine home and auto insurance. You must have a military connection to join USAA. This means you or a close family member must be active duty, a veteran, or otherwise qualified. Coverage is often more affordable than other insurers, and customers frequently praise USAA for quick claim processing. USAA also gives you useful digital tools and support to manage your policies online. The app and website both work well for handling claims, making payments, and contacting support.

    Pros & Cons

    Pros:

    • High customer satisfaction scores
    • Up to 10% discount when bundling
    • Fast claims processing and easy digital access
    • Strong financial stability
    • Customizable policies

    Cons:

    • Membership is limited to military members, veterans, and their families
    • Not available to the general public
    • Fewer physical branch locations than some other large insurers

    Bundling with USAA can lead to meaningful savings, but the lack of public access is a key limitation. If you meet the eligibility requirements, USAA’s combination of low prices, service, and reputation may be hard to beat.

    States Available In

    USAA offers nationwide coverage, making its home and auto insurance products available in all 50 states and Washington, D.C. This broad availability ensures consistent access no matter where you live or move within the U.S.

    Unlike some insurers with regional limitations, USAA provides uninterrupted service across the country for those who qualify for membership. This is especially beneficial for military families who may relocate frequently, offering convenience and peace of mind.

Frequently Asked Questions

What factors should I consider when choosing a home and auto insurance bundle?

Look at the price of the bundle, especially the total savings from the bundling discount or multi-policy discount. Check the coverage limits for both home and auto policies to make sure they meet your needs.

Pay attention to add-on benefits like roadside assistance, claims service, and customer support. Review the provider’s reputation for handling claims and the types of insurance discounts available.

What are the benefits of bundling home and auto insurance for seniors?

Many insurance companies offer special bundling discounts to seniors. These bundles can lower your overall insurance costs, making coverage more affordable.

Seniors often benefit from simpler policy management, with one renewal date and one bill. Some insurers also offer extra support or features for adults over 65.

How do regional factors affect the selection of home and auto insurance bundles?

Where you live can affect your rates and which providers are available. Some areas offer larger discounts due to lower risk from weather or crime.

Local laws about liability and minimum insurance requirements may also affect your options. In some regions, only certain companies offer bundling discounts or multi-line discounts.

Are there any bundle options for military personnel or veterans for home and auto insurance?

Yes, several insurers, such as USAA, offer home and auto bundle options made for military personnel and veterans. These bundles may include deeper discounts and extra benefits, such as flexible payment plans or special claims support. Some companies also extend bundling discounts to family members of military personnel or veterans.

How do consumer reports rate home and auto insurance bundles in 2025?

Consumer reports focus on customer satisfaction, claims service, and value for bundled policies. In 2025, top-rated companies are usually those with high marks for customer support and quick claims payments. Bundling discounts, coverage options, and digital tools for managing your policy are also often mentioned as key factors in consumer ratings.