The Best Car and Home Insurance Bundles for 2024
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Insurer | Auto star rating | Home star rating | Bundling discount |
|---|---|---|---|
Up to 23%. | |||
Up to 30%. | |||
Varies. | |||
Up to $1,273 per year. | |||
Varies. | |||
USAA* | Up to 10%. | ||
*USAA policies are only available to active military, veterans and their families. | |||
Amica, State Farm and USAA offer some of the best auto and home insurance bundles.
Bundling could save you up to 30%, but it isn’t always the cheapest option.
Shop around for quotes with and without a bundle to make sure you’re getting the best deal.
The best auto and home insurance bundles of 2024
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.
Here are NerdWallet’s picks for the best auto and home insurance bundles. For more information and ideas, see our lists of the best home insurance companies and the best car insurance companies.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.American Family
Insurance type | NerdWallet star rating | Average annual cost |
|---|---|---|
Auto | $1,270 | |
Home | $2,300 |
Wide range of coverage and discounts.
Few consumer complaints.
Diminishing Deductibles available for home and car insurance.
Not available in all states.
Bundling discount: Up to 23%.
Why we picked it: If you live in one of the states American Family serves, its bundled policies are worth considering. The company says policyholders can save up to 23% when they bundle home and car insurance. The company offers strong customer service too, drawing fewer consumer complaints to state regulators than expected for an insurer of its size.
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
Insurance type | NerdWallet star rating | Average annual cost |
|---|---|---|
Auto | $2,281 | |
Home | Not available |
Online claims filing and tracking available.
Few consumer complaints for home and auto insurance.
Upgraded coverage packages available.
Home insurance not available in Alaska or Hawaii.
Auto insurance not available in Hawaii.
Bundling discount: Up to 30%.
Why we picked it: Excellent customer satisfaction and low consumer complaints make Amica a great choice for people looking to bundle their home and auto policies. Amica’s website states that policyholders can save up to 30% if they bundle their home and auto insurance.
Standout feature: Amica offers policies that can return up to 20% of your annual premium in dividends.
Auto-Owners
Type of insurance | NerdWallet star rating | Average annual cost |
|---|---|---|
Auto | $1,391 | |
Home | $1,890 |
Lots of extra coverage options and discounts.
Fewer consumer complaints than expected.
Not available in all states.
No online quotes.
Bundling discount: Varies.
Why we picked it: 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 fewer consumer complaints to state regulators than expected for a company of its size.
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
Insurance type | NerdWallet star rating | Average annual rate |
|---|---|---|
Auto | $1,994 | |
Home | $1,935 |
Generous dwelling coverage for your home.
Free smart-home device to help prevent house fires.
Drive Safe & Save program offers discounts up to 30%.
Advertises relatively few home insurance discounts.
Doesn’t offer gap insurance.
Bundling discount: State Farm doesn't specify a percentage but claims policyholders could save up to $1,273 per year by bundling.
Why we picked it: Robust coverage options make bundles from the country's largest home and auto insurer worth considering. As America’s largest property and casualty insurer, State Farm also covers boats, RVs, farms or small businesses, among other things.
Standout feature: Safe drivers willing to let State Farm track their driving habits can earn discounts through the Drive Safe & Save program.
Travelers
Insurance type | NerdWallet star rating | Average annual cost |
|---|---|---|
Auto | $1,392 | |
Home | $2,010 |
Various coverage options for home and auto insurance.
Discount available for eco-friendly homes.
Accident forgiveness available.
Rideshare coverage isn’t available in all states.
Bundling discount: Varies.
Why we picked it: Travelers is a great pick for eco-friendly 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.
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
Insurance type | NerdWallet star rating | Average annual cost |
|---|---|---|
Auto | $1,260 | |
Home | $1,875 |
Fewer consumer complaints than expected for a company of its size.
Home insurance includes useful perks.
One-stop shop for insurance as well as banking and investing products.
Available only to active military, veterans and their families.
Bundling discount: Up to 10%.
Why we picked it: 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.
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.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.How does bundling 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.
The benefits of an auto and home insurance bundle
The primary reason that many people bundle car and homeowners insurance is to lower their premiums. A multipolicy discount could save you as much as 30%, according to some insurer websites, depending on the company and where you live.
But that’s not the only reason to bundle. It’s also typically easier to manage multiple policies when they all come from the same company.
And it may even help you maintain your insurance coverage long-term. 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.
The drawbacks of an auto and home insurance bundle
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.
Prices tend to increase at policy renewal time, and they can inch up well beyond what you would pay with another company if you don’t check rates online or by phone.
Of course, not all insurance companies increase premiums until their customers are overpaying, and rates are bound to increase over time with any product. But if you don’t shop around every so often, you’ll never know whether you’re getting the fairest price.
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.
Bundling tips
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 rates
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:
The financial strength of each company.
Consumer complaints to state regulators.
Coverage options.
Discounts.
Consumer experience.
Methodology
Auto insurance star ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Homeowners insurance star ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. For auto insurance, we looked at complaints reported from 2021 to 2023. For home insurance, we looked at complaints reported from 2020 to 2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance rates methodology
NerdWallet found median rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Rates were for 35-year-old male and female drivers with good credit, no tickets or violations, and with the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven.
These are rates generated through Quadrant Information Services for NerdWallet's June 2024 analysis. Your rates will be different.
Homeowners insurance rates methodology
To find the average cost of homeowners insurance, NerdWallet calculated the median rate for 40-year-old homeowners from a variety of insurance companies in every ZIP code across the U.S. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
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