The Best Home and Auto Insurance Bundles for 2025

Getting a home and auto insurance bundle can be a great way to save money, but don’t just go with the first insurance company that offers you a discount. Choose an insurer with strong customer service, plenty of perks and coverage options, plus other discounts.

All rates were reviewed and updated in August 2025. For car insurance, we used average rates for a full coverage policy. Home insurance premiums are averages for a policy with $300,000 in dwelling coverage. These sample rates do not include bundling discounts.

• Why trust NerdWallet

  • Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.

  • Almost 2 billion rates analyzed by our team of specialists.

  • More than 700 insurers analyzed in all 50 states and Washington D.C.

• How we chose the best bundles

  Our editorial team chose insurance companies with NerdWallet ratings of at least 4.5 stars for their home and auto insurance. All companies selected offer a discount for bundling home and auto insurance policies. We excluded insurers with products available in fewer than 10 states.

  NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as:

  • The financial strength of each company.

  • Consumer complaints to state regulators.

  • Coverage options.

  • Discounts.

  • Consumer experience.

For more, see our lists of the best home insurance companies and the best car insurance companies.

Allstate

Why it's the best: This insurance giant is a reliable pick for both homeowners and auto insurance. It offers many ways to save on your policies, including discounts for paying your premiums in full and having protective devices.

Bundling discount: Up to 25%.

Standout feature: If you’ve got a side hustle, Allstate may have you covered. It offers rideshare insurance in many states for those who drive for services like Uber or Lyft. Plus, its HostAdvantage coverage is available to people who rent their homes through sites like Airbnb or Vrbo.

Allstate reviews: Auto insurance and home insurance

American Family

Why it's the best: If you live in one of the states American Family serves, its bundled policies are worth considering. The company offers strong customer service, drawing lower rates of consumer complaints than many other U.S. insurers. And its bundling discount is the highest on our list.

Bundling discount: Up to 40%.

Standout feature: You can add Diminishing Deductibles to both home and auto policies. When you do this, American Family will reduce your deductibles by $100 per policy for each year you go without a claim. (A deductible is the amount of a claim you’re responsible for paying.)

American Family reviews: Auto insurance and home insurance

Amica

Why it's the best: Excellent customer satisfaction and low consumer complaints make Amica a great choice for people looking to bundle their home and auto policies. The Platinum Choice homeowners policy may be a good fit for people who want extra coverage for their house.

Bundling discount: Up to 30%.

Standout feature: Amica offers policies that can return up to 20% of your annual premium in dividends.

Amica reviews: Auto insurance and home insurance

State Farm

Why it's the best: Robust coverage options make bundles from the country's largest home and auto insurer worth considering. State Farm also covers boats, RVs, farms and small businesses, among other things.

Bundling discount: Up to $1,356 per year.

Standout feature: Safe drivers willing to let State Farm track their driving habits can earn discounts through the Drive Safe & Save program.

State Farm reviews: Auto insurance and home insurance

USAA

Why it's the best: USAA offers features designed for the military community. For example, homeowners policies include deductible-free coverage for uniforms and belongings damaged in a war. If you park your car in a garage on base, you can save up to 15% on your auto insurance.

Bundling discount: Up to 10%.

Standout feature: Homeowners policies include replacement cost coverage for your belongings. With this coverage, USAA will pay enough to buy new items at current prices if your stuff is damaged or destroyed.

USAA reviews: Auto insurance and home insurance

Bundling is the process of buying more than one policy from the same insurance company, typically at a discounted rate. Insurance companies tend to like bundling because they get more of your business. Meanwhile, you get a lower rate plus the convenience of buying everything in one place.

Bundling isn’t just for homeowners and auto insurance. Depending on the company, you may also be able to bundle other types of policies such as umbrella, boat, RV or life insurance.

Here’s why bundling car and home insurance may make sense for you.

• Your premiums may be lower. A multipolicy discount could save you as much as 40%, according to some insurer websites. (The discount will vary depending on the company and where you live.)

• It can be simpler. It’s typically easier to manage multiple policies when they come from the same company.

• A bundle may help you maintain long-term coverage. Have you gotten a ticket or made an auto insurance claim lately? Having other policies with the same company can make it less likely the insurer will drop you because of those incidents.

» MORE: What is full coverage car insurance?

Here are some reasons bundling car and home insurance may not work for you.

• You may be less likely to shop around. Bundling policies encourages a "set it and forget it” mentality, but renewing year after year with the same company could come at a cost. You're less likely to check out competitors’ rates if you have to switch two policies instead of one, especially if one is paid automatically through a mortgage escrow account.

• Bundled rates may not be the cheapest. You might find a great rate for your car with one company and one for your home with a different company. Those rates together may be cheaper than any of the bundled alternatives.

• A bundle may not be available. Some insurance shoppers with high risks or special coverage needs will have a limited number of carriers to choose from. This might include a driver with a history of at-fault crashes or someone looking for less common types of home insurance coverage. Because not all companies offer both home and auto insurance, you may have difficulty finding a carrier that will give you the policies you need.

• Your “bundle” may not actually be a bundle. Auto insurers may set you up with a partner company for home insurance. If that happens, you may not be able to manage your insurance policies in one place.

Bundling home and car insurance will often save you money, but not always. To decide if bundling makes sense for you, get quotes for both separate and bundled policies. If separate policies are cheaper than a bundled rate, there’s no reason to buy them together.

Insurance pricing is highly individual. Your rates will depend on where you live, your credit history (in most states) and the value of what you’re insuring.

Say you drive a sports car and have a very expensive auto policy, but your house is modest and requires little coverage. If your carrier provides you with the cheapest car insurance, even if the homeowners rate isn’t as low as it could be, the bundle may still save you money.

But the script flips if your carrier’s auto insurance costs more than other options in your area. A discount on an inexpensive homeowners policy could pale in comparison to the bigger savings you'd get by breaking the bundle and choosing the cheapest auto insurance. After shopping and comparing rates for both, you might want to keep your home policy the same, but get your auto insurance elsewhere.

If bundling auto and homeowners insurance makes sense for you, take these steps to maximize your savings.

Compare bundles from different insurers, either online or with an agent. An independent insurance agent can get prices from multiple companies to help you find the best rate. Ask the agent to compare non-bundled rates as well so you can see all your options.

Check for third parties. Ask if the insurer uses a third-party insurance company (sometimes called an affiliate) for either policy you want to bundle. Although you may still save money, you’ll lose convenience because you won’t be dealing with just one insurance company.

Shop for quotes regularly because the cost of home insurance and the cost of auto insurance can change from year to year. It’s particularly important to shop around after a major life change (such as moving or getting married) or when your renewal rate goes up.

You may also want to get new quotes if your credit has gotten significantly better or worse. In most states, having poor credit can have a bigger impact on your premiums than filing a claim. Learn more about how credit affects home insurance rates.