The Best Home and Auto Insurance Bundles for 2026

Getting a home and auto insurance bundle can be a great way to save money. But when choosing a company for your bundle, don’t just look at price. It’s important to find strong customer service and coverage options, too.

All rates were reviewed and updated in January 2026. For car insurance, we used average rates for a full coverage policy. Home insurance premiums are averages for a policy with $400,000 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 4.4 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 15 states.

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, 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 makes 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

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. For example, you can add guaranteed replacement cost coverage for your house. With this coverage, the policy will pay whatever it takes to rebuild your home after a disaster, even if your coverage limit is too low. Auto-Owners sells home and auto insurance through local agents in about half of U.S. states.

Bundling discount: Not specified.

Standout feature: Auto-Owners offers a "common loss deductible." 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.

Auto-Owners reviews: Auto insurance and home insurance

Country Financial

Why it's the best: Country Financial is worth considering if you live in one of the 19 states where it operates. It has the lowest complaint rates of all the companies on our list, indicating that most customers are satisfied with their coverage.

Bundling discount: Up to 30%.

Standout feature: Besides a generous bundling discount, Country Financial offers some unique savings. For example, engaged couples can save on car insurance while planning their wedding. Parents can also pass certain discounts on to their kids.

Country Financial reviews: Auto insurance and home insurance

Farmers

Why it's the best: Farmers is a well-established insurer that stands out for its many coverage and discount options. You can use the Farmers website to get quotes, file claims, pay bills and find an agent.

Bundling discount: 10% or more.

Standout feature: Farmers has unique coverage options for your home. For example, you can add coverage that will pay for your roof to be replaced with a more storm-resistant version after a claim. You can also add emergency mortgage assistance, which will pay your mortgage for up to three months if you can’t live at home after a covered claim. Coverage options may vary by state.

Farmers 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 $1,429 per year.

Standout feature: Are you willing to let State Farm track your driving habits? If so, driving safely can earn you a discount through the Drive Safe & Save program.

State Farm reviews: Auto insurance and home insurance

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 a low rate of consumer complaints to state regulators.

Bundling discount: Not specified.

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

Travelers 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. 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.

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

• Your premiums may be lower. A multipolicy discount could save you up to 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 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 people with high risks or special coverage needs will have limited 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.

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. 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.