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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Nov 24, 2021

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The Truth in a Nutshell

  • Some car insurance companies that bundle home and auto include Progressive, Liberty Mutual, and USAA
  • Bundling your home and car insurance can save you up to 25%, but the discount you receive will depend on the company
  • Compare quotes from multiple companies to ensure you get the best deal on a bundle or can save more with separate policies

When you’re trying to insure your vehicle and home, it can be helpful to know how to save money by getting your auto and homeowners insurance from the same company. It can also make the buying experience easier and simplify paying your bills.

Below, we’ve listed some car insurance companies that bundle home and auto insurance. We also discuss how much you can save by bundling and whether bundling is right for you.

If you’re looking to buy home and car insurance, enter your ZIP code into our free quote comparison tool above to find a home and car insurance company near you.

Car Insurance Companies That Bundle Home and Auto

Some car insurance companies provide discounts to customers who bundle their home and car insurance. Who is the best insurance company for home and auto? Below, we’ve listed some car insurance companies that bundle home and auto insurance:

Progressive

Progressive offers a wide variety of home and car insurance policies and coverage options. While its bundling discount may be lower than some other companies, Progressive has affordable home and car insurance.

When you get home insurance from Progressive, you should keep in mind that some of the policies may be issued by a third-party insurance company.

Liberty Mutual

Liberty Mutual is a major insurance company that provides affordable home and car insurance for customers that may need lower coverage limits. It also provides many discounts for safe drivers and responsible homeowners.

USAA

USAA is known for its extremely affordable rates and excellent customer service. However, its products are only available to members of the military, veterans, and their families.

The USAA mobile app allows for an easy claims process, and the company generally includes additional benefits with its policies.

Allstate

Allstate may have higher home insurance rates than other companies, but it has a long list of discounts that allow for savings. Its bundling discount can help you save if you buy home and car insurance from them.

Other discounts include claim-free discounts, safe driving discounts, good student discounts, auto pay discounts, and more.

Nationwide

Nationwide may be one of the cheapest auto and home insurance companies. It offers a variety of policy add-ons, which is helpful in customizing your policy. However, it is not available in all 50 states.

Farmers

Farmers provides home and auto insurance with various additional benefits. There’s a wide range of coverage limits. Some policies will also come with claim forgiveness and the possibility of decreasing deductibles.

However, these added benefits may only be available for policies with higher coverage limits.

Car insurance companies that don’t bundle home and auto are few and far between, especially if they offer both types of insurance. Insurance companies typically offer bundling to encourage customers to buy more than one policy.

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How much does home and car insurance cost?

Let’s begin by taking a look at the average annual rates for home insurance from some popular companies:

Insurance CompanyAverage Annual Home Insurance Rates
State Farm$1,818
Allstate$1,148
Liberty Mutual$1,381
USAA$1,264
Nationwide$748
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Next, we’ll look at the average annual rates for car insurance by coverage level from some popular companies:

Average Annual Car Insurance Rates by Coverage Level
CompaniesAverage Annual Rates
for Low Coverage
Average Annual Rates
for Medium Coverage
Average Annual Rates
for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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With this in mind, a lot of different factors can affect your home and car insurance rates. Your demographics, location, driving history, credit score, and more can cause your rates to go up and down.

How much can I save by bundling home and auto?

The company you choose determines how much you can save by bundling your home and auto insurance. Let’s take a look at some possible discounts from the companies listed above and more:

Discount Amount for Bundling Home and Car Insurance by Company
CompanyDiscount Amount for Bundling Home and Car Insurance
Allstate20%
Farmers15%
Liberty Mutual15%
Nationwide13%
Progressive16%
State Farm25%
Travelers12%
USAA8%
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As you can tell from the chart above, the amount you can save by bundling your home and auto insurance can vary dramatically based on the company you choose and your personal demographics and policy options.

Should I bundle my home and car insurance?

There are a few advantages to bundling your home and car insurance. From what we’ve shown you above, the discount you get from bundling is one of the main benefits.

Another advantage to bundling policies is that it makes it easier to pay your bills. Instead of having to pay two insurance companies for separate home and car insurance policies, you can pay one company for both policies at the same time.

Another reason why bundling may be a good option is if you’re trying to insure a high-risk home. An insurance company may be more likely to insure the home if you already have a car insurance policy with them.

However, while bundling may save you time and money, there are some cases in which you may save money by having separate policies.

For example, if one company has lower rates for a home insurance policy than your car insurance company provides, choosing separate companies could be your best option.

Enter your ZIP code into our free quote comparison tool below to compare home and car insurance quotes from multiple companies in your area.