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Like many people, I have both a car and a house to insure. Both my car and my home are covered by the same insurance company, and that's not a coincidence. I shopped around to find the best home and car insurance bundle, so I saved a lot of money on both policies while getting comprehensive coverage from just one insurer.
The fact is that bundling coverage comes with significant savings and helps you avoid a lot of hassle as you don't need to deal with two separate insurance companies when you have a question or make a claim. However, you need to find an insurer with a good reputation for both home and auto coverage to make sure you get the protection all your assets deserve.
This guide will help you find the best bundled coverage so you get great rates from an insurance company that deserves your business for both home and auto policies.
Best companies for home and car insurance bundles
The table below shows affordable auto insurers that also allow you to bundle your home insurance coverage. And they have plenty to offer for both home and auto policies. When you're looking for ways to lower car insurance and home insurance costs, checking out these insurers could help.
The table shows average costs for auto and home insurance. However, remember that bundling coverage comes with a discount, so there's always a chance your premiums will be lower than the average.
| Company name | Best for | Average monthly car insurance full coverage cost | Average monthly home insurance for a $300,000 dwelling |
| State Farm | In-person support | $117 | $226 |
| USAA | Eligible military members, veterans, and family members | $102 | $146 |
| Allstate | Big bundling discounts | $139 | $188 |
| Nationwide | Complete protection | $186 | $223 |
State Farm
- AM Best: A++
- J.D. Power claims satisfaction: Property: 661 (Below average), Auto: 710 (Above average)
- BBB: F
- NAIC complaints: Homeowner: 1.22 (Above average), Private Passenger Auto: 1.21 (Above average)
State Farm has one of the most comprehensive agent networks in the industry with 19,000 agents. If you have a home or auto insurance issue and need help, you should be able to find local support to make that happen.
When you bundle policies, you can also score a big discount — up to $1,356 if you get both policies through State Farm. There are also plenty of bundling opportunities for non-homeowners as well, including the chance to save by bundling your condo or apartment and your auto coverage, your life insurance and auto coverage, or multiple autos.
Remember, the more policies you combine, the better your chances of saving big bucks — and State Farm sells more types of insurance than some competitors, providing more opportunity to reduce premiums.
Unfortunately, State Farm has a low BBB rating, an above-average number of complaints for both home and auto, and a below-average property claims satisfaction rating from JD Power. Still, premiums are affordable, so if you want low-priced coverage with local help, bundling with State Farm may be your best option.
- Large agent network
- Save up to $1,356 when bundling insurance coverage
- Affordable premiums
- Very low BBB rating
- Above-average number of complaints with the National Association of Insurance Commissioners
- Claims satisfaction rating that's below average for property insurance coverage
Learn more in our State Farm Review
USAA
- AM Best: A++
- J.D. Power claims satisfaction: Property: 746 (Above average), Auto: 726 (Above average)
- BBB: A+
- NAIC complaints: Homeowner: 0.47 (Below average), Private Passenger Auto: 1.311 (Above average)
Eligibility for USAA is limited to military members, veterans, and qualifying family members. If you can qualify, you should likely consider bundling your home and auto coverage with USAA. USAA can be a great choice for bundled coverage as combining policies will save you up to 10%.
USAA has top-notch BBB ratings and a below-average number of complaints for homeowners' insurance. While the insurer has a slightly above-average number of complaints with the NAIC for its private passenger auto insurance, it also scores well on both auto claims and property claims with JD Power.
You won't find in-person support with USAA, though, so if that's important to you, you'll need to look elsewhere. USAA also offers more limited bundling options than State Farm, providing the chance to save only if you bundle auto with home and renters rather than a full range of other insurance products.
The good news is that premiums were very affordable with this insurer, and if you own a home or condo or are renting an apartment, you can bring those premiums down even further.
- Affordable premiums
- Top-notch claims satisfaction ratings
- Solid BBB scores
- Eligibility is restricted to service members, veterans, and their families
- No in-person support
- Fewer options for different kinds of coverage to bundle
Learn more in our USAA review
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Allstate
- AM Best: A+
- J.D. Power claims satisfaction: Property: 665 (Below average), Auto: 691 (Below average)
- BBB: A+
- NAIC complaints: Homeowner: 4.18 (Above average), Private Passenger Auto: 0.70 (Below average)
Allstate offers savings of up to 25% for bundling home and auto, which is a larger discount than some competitors provide. There are also several different options for coverage types to bundle, including home and auto, renters and auto, and renters and motorcycle coverage. While this isn't as many as some competitors offer, many people can still find multiple policies they need.
Unfortunately, Allstate has below-average claims satisfaction for both property claims and auto claims on JD Power customer satisfaction surveys. It also has an above-average number of homeowner's insurance complaints with the National Association of Insurance Commissioners.
The good news is, Allstate has a network of thousands of agents across the U.S. who provide in-person support. It also has a top-rated mobile app for those who prefer to manage their policies from their devices rather than seeing an agent live.
- Agents are available for in-person support
- Larger bundling discount than some competitors
- Multiple bundling options
- Below-average JD Power Claims Satisfaction Ratings
- Above-average number of complaints to NAIC for homeowners insurance
- Higher premiums than many competitors
Learn more in our Allstate review
Nationwide
- AM Best: A
- J.D. Power claims satisfaction: Property: 709 (Above average), Auto: 728 (Above average)
- BBB: A+
- NAIC complaints: Homeowner: 1.27 (Above average), Private passenger auto: 0.90 (Below average)
Nationwide is a top choice for those who want to make sure they are fully protected. The insurer offers unique coverage options that not all home and auto insurers make available. For example, homeowners get credit card coverage against unauthorized transactions, while auto insurance customers can buy gap insurance from Nationwide, which not all insurers offer.
Bundling also allows you to save up to 15%, and Nationwide offers a variety of bundling combos, including auto and home; auto and renters; motorcycle and renters; auto, home, and life; multi-car; and boat and auto. These are more options than many competitors, like USAA, offer.
Nationwide, unfortunately, has an above-average number of complaints about its homeowners' insurance with the National Association of Insurance Commissioners.
However, its JD Power claims satisfaction rating for both auto and property insurance was well above average, so for those who want effective claims handling that won't cause them any hassles, Nationwide could be the way to go.
- Many bundling opportunities
- Solid BBB rating and claim satisfaction ratings
- Above-average claims satisfaction ratings with JD Power for both property insurance and auto insurance
- Not available in all states
- Premiums are higher than many competitors
- Above-average number of NAIC complaints for homeowners' insurance
Learn more in our Nationwide review
Average rate:
Pros and cons of bundling coverage
If you're looking for ways to save money on car insurance, bundling is a great option. Here are some of the biggest benefits.
- Depending on the insurer, you can typically save between 10% and 25% or more by bundling coverage.
- You'll have only one insurer to pay premiums to, which can be more convenient.
- You'll have one insurer to make claims with, which could simplify things if something happens that affects both policies, such as a tree at your home falling on your car.
There are also some downsides, including:
- Not all insurers offer great home and auto coverage, so you're more limited in your options if you want top-notch coverage from both. You may have to settle in terms of quality for either home or auto as the best insurer for one type of coverage may not be the best for the other.
- Shopping around and comparing bundled coverage can add complexity to the process of comparing rates and terms.
- If you cancel one of your policies, your other policy premiums could increase significantly.
FAQs
Can I bundle if I rent instead of owning my home?
You can bundle insurance coverage if you rent instead of owning a home. Many insurers offer a discount if you bundle renters insurance and auto insurance coverage.
Can I bundle more than just home and auto insurance?
It is often possible to bundle more than just home and auto. For example, State Farm will allow you to bundle many different kinds of policies, including auto, home, and life insurance. In general, the more policies you bundle together, the cheaper your savings will be on all of your different kinds of coverage.
How long am I locked into a bundle?
You are usually not locked in when you bundle insurance and can cancel coverage whenever you need to. However, you will typically lose your bundled policy discount if you cancel one or more policies that were part of a bundle.
Bottom line
Bundling can help you save money, and you may find it much simpler to have only one insurer to worry about. However, you'll need to shop very carefully for the best car insurance that also offers high-quality homeowners insurance as well.
You want to make sure you pay the least you can for both kinds of coverage and that both insurers will provide the service and support you need if the time comes to make a claim. Fortunately, there are a lot of great insurers out there that stand out in offering both home and auto coverage, so you should be able to find one that meets your needs.
Average rate:
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