The Best Car and Home Insurance Bundles for 2025

The best auto and home insurance bundles of 2025

Bundling your home and auto insurance is a great way to save money, with some insurers advertising discounts up to 30%. But don’t just go with the first insurance company you come across that offers a bundling discount. Choose an insurer with strong customer service, plenty of perks and coverage options, plus other discounts.

To find the best auto and home insurance bundles, NerdWallet looked for insurers that:

• Offer a bundling discount.

• Earned at least a 4.5-star rating for both home and auto insurance.

• Sell policies in 10 or more states.

Sample rates shown are before any bundling discounts are applied.

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

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 too, drawing fewer consumer complaints to state regulators than expected for an insurer of its size.

Bundling discount: Up to 23%.

Standout feature: If you add Diminishing Deductibles to your home and auto policies, American Family will reduce your deductibles by $100 for each year you go without filing a claim. (A deductible is the amount of a claim you’re responsible for paying out of pocket.)

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.

Bundling discount: Up to 30%.

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

Auto-Owners

Why it's the best: If you're open to working with an independent agent to get coverage, Auto-Owners has a variety of good options. The company sells home and auto insurance through local agents in about half of U.S. states. Auto-Owners draws far fewer consumer complaints to state regulators than expected for a company of its size.

Bundling discount: Variable.

Standout feature: If an event such as a storm damages both your home and car, the company will reduce your auto deductible by the amount of your homeowners deductible.

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.

Travelers

Why it's the best: Travelers is a great pick for eco-conscious homeowners who want a wide range of coverage options and discounts. The company draws few consumer complaints to state regulators for an insurer of its size.

Bundling discount: Varies.

Standout feature: Travelers’ Responsible Driver Plan forgives one accident or minor violation over a specified period. The Premier Responsible Driver Plan does the same but also includes a decreasing deductible, which can reduce how much of a claim you need to pay by up to $500.

USAA

Why it's the best: USAA policyholders can save up to 10% by bundling home and auto policies, the company says on its website. However, USAA’s insurance isn’t available to everyone. Only active military, veterans and their families are eligible to become USAA members and buy the company’s policies.

Bundling discount: Up to 10%.

Standout feature: Homeowners can take advantage of included perks like replacement cost coverage for their belongings, which pays enough to buy new items at current prices if your stuff is damaged or destroyed in a covered claim. USAA also covers military uniforms with no deductible.

How does bundling car and home insurance work?

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, while 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.

Pros of an auto and home insurance bundle

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 30%, 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. If you’ve made auto insurance claims or gotten tickets, 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?

Cons of an auto and home insurance bundle

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 automatically 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.

Should you bundle car and home insurance?

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

Insurance pricing is highly individual, and much depends on where you live, your credit history (in most states) and the value of the items you’re insuring. Say your situation translates to a very expensive auto policy — maybe you drive a sports car or had a recent at-fault accident — but your house is modest and requires little coverage. If your carrier provides you with the cheapest car insurance possible, even if the homeowners rate isn’t as low as it could be, you’re probably still saving with the bundle.

But the script is flipped if your carrier’s auto insurance is pricey compared with other options in your area. A discount on an inexpensive homeowners policy could pale in comparison to the bigger savings you would 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.

Tips for bundling auto and home insurance

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 to make sure you’re seeing 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 when you have a major life change (such as moving or getting married) or when you have a larger-than-usual rate increase at renewal.

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.

» MORE: Compare car insurance quotes

How we chose the best home and auto insurance bundles

Our editorial team chose insurance companies with NerdWallet ratings of at least 4.5 stars for their home and auto insurance products. 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: