The Best Home and Auto Insurance Bundles for 2023

NerdWallet found the best insurance companies that offer home and auto insurance bundling.
Sarah Schlichter
Ben Moore
By Ben Moore and  Sarah Schlichter 
Edited by Caitlin Constantine

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

Here are NerdWallet’s picks for the best home and auto insurance bundles.

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.

To learn more about how we rate insurance companies, read our methodology.

American Family

Auto insurance star rating

5.0

NerdWallet rating 

Home insurance star rating

4.5

NerdWallet rating 

Pros: Wide range of coverage and discounts, with few consumer complaints.

Cons: Not available in all states.

Bottom line: If you live in one of the states American Family serves, its bundled policies are worth considering.

American Family 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.

In addition to standard car insurance coverage, you can also add Diminishing Deductibles to your policy. With this feature, American Family will reduce your deductible — the amount of a claim you’re responsible for — by $100 for each year you drive safely.

Diminishing Deductibles are also available for homeowners insurance, along with a variety of other add-ons. For example, you can buy coverage for water damage from backed-up sewers and drains, or for major appliances that break down.

Aside from a bundling discount, you may be eligible for savings if you:

  • Install certain smart devices in your home.

  • Own a house that’s less than 15 years old.

  • Have renovated your home recently.

  • Insure more than one vehicle with American Family.

  • Drive fewer than 7,500 miles per year.

  • Sign up for autopay.

Check out our American Family auto insurance and American Family home insurance reviews to learn more.

Amica

Auto insurance star rating

5.0

NerdWallet rating 

Home insurance star rating

4.5

NerdWallet rating 

Pros: Few consumer complaints for home and auto insurance. Online claims filing and tracking available.

Cons: Home insurance not available in Alaska or Hawaii. Auto insurance not available in Hawaii.

Bottom line: 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. In addition to a generous discount, the company has an array of coverage options. Amica also receives fewer complaints to state regulators than expected for a company of its size.

Homeowners who want additional coverage on top of Amica’s standard home policy can buy the Platinum Choice package, which includes extended dwelling coverage and increased liability limits. Meanwhile, drivers can purchase extras like full glass coverage or prestige rental coverage, which covers up to $5,000 for a comparable rental car if your vehicle is in an accident.

Bundling isn’t the only discount Amica offers. Depending on your state, you could also save money by:

  • Being insured by any auto insurer for at least two years.

  • Insuring more than one car.

  • Equipping your car with anti-theft devices like car alarms or GPS tracking systems.

  • Going without an auto insurance claim for at least three years.

  • Insuring a new or remodeled home.

  • Signing up for paperless billing or autopay.

Read more in our Amica auto insurance and Amica home insurance reviews.

Country Financial

Auto insurance star rating

5.0

NerdWallet rating 

Home insurance star rating

4.5

NerdWallet rating 

Pros: Many discounts available. Draws far fewer consumer complaints than expected.

Cons: Policies not available in all states.

Bottom line: Country Financial is a solid choice for customers who want a wide variety of coverage options.

Country Financial is another great option for bundling. The company has strong customer satisfaction, with far fewer complaints to state regulators than expected for a company of its size.

Country Financial offers a wide range of home insurance coverage options depending on the policy you choose. Some policies cover issues like countertop burns or a power surge that damages electronics. And, in most states, the company offers guaranteed replacement cost coverage, which has no limits on how much it will pay for new construction materials and labor to rebuild your home.

Auto insurance coverage options include new car replacement, which can pay for a new vehicle after an accident even if yours is a couple of years old. You can also add vehicle rental and trip interruption, which reimburses up to $800 for a rental car if you’re in an accident while away from home. It also covers some transportation, lodging and meal expenses if you’re in an accident more than 100 miles away from home.

The company offers a variety of discounts. Depending on your state, savings may be available for things like:

  • Installing smoke detectors and automatic sprinkler systems in your home.

  • Getting a quote before your policy expires.

  • Insuring a car with an alarm or anti-theft device.

  • Going without tickets or accidents for at least three years.

  • Working as a teacher, firefighter, police officer, emergency medical technician or paramedic.

Farmers

Auto insurance star rating

4.5

NerdWallet rating 

Home insurance star rating

5.0

NerdWallet rating 

Pros: Draws fewer consumer complaints than expected for a company of its size.

Cons: Not available in every state.

Bottom line: Farmers offers generous homeowners insurance policies and customizable auto insurance, making it a strong candidate for people looking to bundle.

One of the largest insurers in the U.S., Farmers offers plenty of discounts, plus a variety of ways to customize your coverage. It sells homeowners and auto insurance in most states.

Depending on where you live, your Farmers homeowners policy may include extended dwelling coverage, which offers extra insurance for the structure of your home in case it costs more than expected to rebuild. The policy may also cover your belongings on a replacement cost basis, meaning that the company will pay enough to buy new replacements if your items are stolen or destroyed. (Some companies pay less for older items due to depreciation.)

When it comes to auto insurance, Farmers has a variety of optional coverage types to choose from. For example, drivers who work for companies like Uber or Lyft can add rideshare insurance. If your car is a year or two old, you may want to add new car replacement coverage so you can buy a new vehicle if yours is totaled.

Beyond bundling, Farmers may also offer discounts for:

  • Having a fire alarm or security system in your home.

  • Not having any smokers in your household.

  • Being a teacher, firefighter, police officer, doctor, nurse, dentist or engineer.

  • Driving a hybrid or other alternative fuel vehicle.

  • Insuring more than one car with Farmers.

  • Having a good student on your policy.

Get more details by reading our Farmers auto insurance and Farmers home insurance reviews.

The Hanover

Auto insurance star rating

4.5

NerdWallet rating 

Home insurance star rating

4.5

NerdWallet rating 

Pros: Draws significantly fewer consumer complaints than expected for a company of its size.

Cons: Available in fewer than half of U.S. states.

Bottom line: The Hanover caters to home/auto bundlers with two customizable packages.

The Hanover has two home/auto packages that include bundling discounts: Platinum and Prestige. 

Platinum is the standard bundle, which includes a variety of customizable coverage options. For example, you can add guaranteed replacement cost coverage to your homeowners policy to make sure you always have enough money to rebuild your home after a disaster, even if your dwelling coverage limit is too low. 

If a single event affects both your home and your vehicle, you’ll need to pay only one deductible, not both. For example, that might include a fire that destroys both your house and your car in the garage.

Prestige is designed for higher-value homes and cars, offering flexible and generous coverage limits. The Prestige homeowners policy includes up to $100,000 for fine art or other valuables, plus unlimited loss of use coverage if you need to live elsewhere while your home is repaired. The Prestige auto policy comes with high limits for rental car coverage, plus travel expenses if your car breaks down.

In addition to bundling savings, you could get a discount or credit for: 

  • Having a newly built home.

  • Being a nonsmoker.

  • Installing safety or security devices in your home.

  • Paying your premium in full, upfront.

  • Having safety features on your car such as antilock brakes.

  • Insuring multiple vehicles.

For more information, see our Hanover auto insurance and Hanover home insurance reviews.

Nationwide

Auto insurance star rating

5.0

NerdWallet rating 

Home insurance star rating

4.5

NerdWallet rating 

Pros: Offers lots of discounts, including up to 20% off home/auto bundles.

Cons: Doesn’t insure mobile or manufactured homes.

Bottom line: Nationwide’s few complaints and high number of discounts make it a solid choice for shoppers looking to bundle home and auto policies.

Nationwide’s website says that customers can save up to 20% for bundling home and auto insurance, and you can get a quote for a home/auto bundle right on the company’s homepage.

Nationwide’s homeowners insurance comes with ordinance or law coverage. After a covered claim, this may pay to upgrade your home to current building codes. Homeowners can also choose extended replacement cost coverage, which will pay up to double the dwelling coverage limit if home rebuilding costs are higher than expected in a covered claim.

The company’s auto insurance offers some extra options. Drivers can choose the vanishing deductible program, which reduces your deductible over time as long as you drive safely. You can also add the total loss deductible waiver, which waives your comprehensive or collision deductible if your car is totaled.

The company’s pay-per-mile car insurance program, SmartMiles, is available in most states. If you don’t drive often, you might save on car insurance by opting into the program. You’ll pay a base rate that stays the same, plus a per-mile monthly rate.

In addition to a home and auto insurance bundling discount, other discounts may be available for:

  • Maintaining an accident-free driving record.

  • Signing up for automatic payments or paperless billing.

  • Driving a car with an anti-theft device.

  • Having smoke detectors, fire alarms or other protective devices installed in your home.

  • Insuring a home bought in the past year.

  • Living in a gated community.

State Farm

Auto insurance star rating

5.0

NerdWallet rating 

Home insurance star rating

5.0

NerdWallet rating 

Pros: Wide range of coverage options for homeowners insurance, plus a free service to help prevent house fires in most states.

Cons: Advertises relatively few discounts compared to some of its competitors.

Bottom line: Robust coverage options make bundles from the country's largest insurer worth considering.

State Farm advertises a discount of up to 17% when bundling auto and homeowners insurance. As America’s largest insurer, State Farm can also offer other policies to cover things like a boat, RV, farm or small business.

State Farm’s auto insurance includes all the basics, but you can add extras such as rideshare insurance (useful if you drive for services like Uber or Lyft). Safe drivers willing to let State Farm track their driving habits can earn discounts through the Drive Safe & Save program.

State Farm offers a long list of home insurance coverage options to choose from, though some require speaking with an agent to add to your policy. Home insurance policyholders in most states can get a free Ting smart device, which tracks problems in your electrical system that could lead to fires. 

Depending on where you live, State Farm may offer discounts for:

  • Insuring more than one car with State Farm.

  • Having an anti-theft device in your vehicle.

  • Taking a defensive driving course.

  • Having a hail-resistant roof.

  • Installing burglar alarms, smoke detectors or other protective devices.

Travelers

Auto insurance star rating

4.5

NerdWallet rating 

Home insurance star rating

4.5

NerdWallet rating 

Pros: Wide array of coverage options for auto insurance. Discounts available for eco-friendly homes.

Cons: Doesn’t cover mobile or manufactured homes.

Bottom line: Travelers is a great pick for eco-friendly homeowners who want a wide range of coverage options and discounts.

Travelers advertises a discount of up to 13% on auto insurance when you bundle it with a homeowners policy. The company has strong customer satisfaction, with few complaints to state regulators for an insurer of its size.

Homeowners can upgrade to contents replacement cost coverage, which pays for new items if your belongings are damaged or lost in a covered disaster. If you choose Green Home coverage, Travelers may cover extra costs for using environmentally friendly construction materials when rebuilding your home after a covered claim.

Travelers’ auto insurance also offers useful add-ons. Its Responsible Driver Plan forgives one accident and one minor violation over a specified period. The Premier Responsible Driver Plan does the same but also includes a decreasing deductible — $50 off for every six months of good driving, up to $500 off your deductible.

Besides a home and auto bundling discount, you may qualify for savings by:

  • Insuring multiple vehicles.

  • Driving safely.

  • Insuring a vehicle less than 3 years old.

  • Getting a quote before your policy expires.

  • Installing protective devices in your home, like smoke detectors, fire alarms or security systems.

  • Having your house certified as a “green home” by the U.S. Green Building Council's Leadership in Energy and Environmental Design, or LEED, rating system.

Learn more in our Travelers auto insurance and Travelers home insurance reviews.

USAA

Auto insurance star rating

4.5

NerdWallet rating 

Home insurance star rating

5.0

NerdWallet rating 

Pros: Fewer consumer complaints than expected for a company of its size. Home insurance includes useful perks.

Cons: Available only to active military, veterans and their families.

Bottom line: USAA is a good option for military members looking to bundle their policies.

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.

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

In some states, you may be able to save money on your auto insurance by enrolling in the company’s SafePilot program, which uses an app to track your driving habits. If you avoid risky behaviors such as hard braking and using your phone while driving, you could get a discount.

Depending on where you live, you may also get a discount for: 

  • Living on a military base.

  • Insuring more than one vehicle.

  • Setting up autopay.

  • Installing smart-home technology in your home.

  • Insuring your home with USAA for at least 3 years.

Learn more in our USAA auto insurance and USAA home insurance reviews.

Methodology

Auto insurance 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 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 in 2019-2021. 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.

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