The Best Car and Home Insurance Bundles for 2024
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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.
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.
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.
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.
Coverage: 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.
Discounts: 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
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.
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.
Coverage: 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.
Discounts: Bundling isn’t the only discount Amica offers. Depending on your state, you could also save money by:
Being insured by any home or 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 or home 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.
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.
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. One nice feature of having both policies with Auto-Owners is that 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.
Coverage: You can tailor your homeowners policy with a variety of extras, such as coverage for identity theft, water backup or inland flooding. For peace of mind, you may want to consider guaranteed replacement cost coverage for the structure of your home, which will pay enough to rebuild after a total loss even if your dwelling limit isn’t high enough.
Additional options you can get for your auto policy include gap insurance, which protects you financially if you total a car that’s worth less than what you owe on it. You can also opt for accident forgiveness to avoid surcharges after a crash.
Discounts: Besides a bundling discount, you could also save money by:
Paying your policy in full and on time.
Having antilock brakes, airbags or anti-theft devices in your car.
Signing up for paperless billing.
Having no mortgage on your home.
Not filing any recent homeowners insurance claims.
Installing smoke detectors, deadbolt locks or other protective devices in your home.
Read more in our Auto-Owners car insurance review and Auto-Owners home insurance review.
Country Financial
Insurance type | NerdWallet star rating | Average annual cost |
|---|---|---|
Auto | $1,826 | |
Home | $3,530 |
Many discounts available.
Far fewer consumer complaints than expected.
Policies not available in all states.
You can start a quote online but have to finish with an agent.
Why we picked it: Country Financial is a solid choice for customers who want a variety of coverage options. The company has strong customer satisfaction, with far fewer complaints to state regulators than expected for a company of its size.
Coverage: Country Financial offers a range of home insurance coverage options depending on the policy you choose. Some policies cover issues like bleach stains on your couch or a power surge that damages electronics. You may also be able to add 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 if yours is totaled. 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.
Discounts: 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.
Having certain smart-home devices.
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.
Read more in our Country Financial auto insurance review and Country Financial home insurance review.
» MORE: The best car insurance companies
The Hanover
Insurance type | NerdWallet star rating | Average annual rate |
|---|---|---|
Auto | $1,900 | |
Home | Not available |
Far fewer consumer complaints than expected.
Offers two packages specifically for home/auto bundlers.
Extensive menu of coverage options.
Available in fewer than half of U.S. states.
No online quotes.
Why we picked it: The Hanover caters to home/auto policyholders with two customizable packages, Platinum and Prestige. Each includes a bundling discount.
Coverage: 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.
Discounts: 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.
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.
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.
Coverage: State Farm’s auto insurance includes all of 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.
Discounts: 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.
Learn more in our State Farm auto insurance and State Farm home insurance reviews.
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.
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.
Coverage: 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 or 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.
Discounts: 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.
Driving a hybrid or electric vehicle.
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
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.
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.
Coverage: 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.
Discounts: 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.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.The benefits of an auto and home insurance bundle
If you bundle car and homeowners insurance, you may get benefits like:
Lower premiums. A multipolicy discount could save you as much as 30%, according to some insurer websites, depending on the company and where you live.
Simplified policy management. It's easier to manage multiple policies when they come from the same company.
Insurance security. 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.
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 analyzed rates data from four of the largest home and auto insurance companies to find their median discounts for bundling home and car insurance. For this story, NerdWallet calculated averages using the median, which is the midpoint of the rates we examined.
For companies where rates data wasn't available, we used information on bundling discounts from the insurers' websites.
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 in 2020-2022. 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 on June 2024. 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.
On a similar note...
