The best home and auto insurance bundles of 2025

Best home and auto insurance bundles

Most property and casualty insurers that sell both auto and home insurance offer bundling, multi-policy or multi-line discounts, but the potential savings and eligible policy types vary depending on the carrier. You will typically see savings on both policies, which may be listed as a dollar amount or percentage.

To find the best bundle insurance, we analyzed the largest U.S. insurers by market share, identified which offer bundling and looked into potential savings. All of the selected companies also offer a variety of policy endorsements and other discounts, as well as favorable customer satisfaction scores and financial strength ratings. If you want to bundle auto and home insurance, you might want to start with quotes from these companies:

*Savings amounts represent the combined average savings reported by the company for auto and home premiums.

Top 5 home and auto insurance companies for bundling 

When shopping for policy bundles, it is important to review your quotes carefully. Finding a competitive price for your insurance is a priority for many, but low premiums may not be the only critical factor. You may also want to consider policy features, coverage levels and digital tool availability for each home and auto quote you receive. Since you may be placing more of your assets under the same insurance company, factors such as customer satisfaction scores and financial strength ratings may be even more critical, too. From the companies reviewed, we determined that these five offer strong home and auto coverage options with substantial potential bundling savings.

How does a home and auto insurance bundle work?

If you’re wondering how to bundle auto and home insurance, don’t worry. The process is fairly easy. Bundling insurance refers to the process of purchasing multiple types of insurance policies from the same insurance provider. For example, you could buy home, auto and RV insurance from the same company, and so on with other policies, if available. One of the main benefits of bundling is that companies often offer discounts if you hold several policies with them, so it can save you money. In fact, most carriers will automatically add a multiple-policy discount on both policies, allowing you to save money on your total cost of insurance.

While bundling usually refers to home and auto insurance, you may be eligible for a multiple-policy discount if you purchase other types of insurance from the same insurer, like an RV, boat or umbrella policy. And while the total bundling discount varies by company, the discounts offered for bundling your insurance policies are often some of the best ways to save on your policy premiums. However, it should be noted that companies are forbidden by law to extend life insurance discounts. You may be able to bundle life coverage with other policy types, but the discount will only apply to the other policy type.

Should you bundle your home and auto insurance?

Bundling your auto and home insurance could be a great way to generate significant savings on both policies and make your insurance more convenient to handle with a single insurer. If you own a home and have a car, getting quotes for both policies with the same insurer might be well worth your time and lead to reduced premiums.

How to find the right home and auto insurance bundle

Bundling your car and home insurance is relatively easy. Although it may sound like you are getting a combined auto-home insurance policy, this is typically not the case (although some companies do offer auto and home policies written under a single policy number). You will generally need to purchase your auto and home insurance with the same insurer to qualify for a bundling discount. Here are some steps you can take to bundle your policies:

1. Decide what you want from your insurer. Before you start requesting quotes, you should probably figure out what you’re looking for in an insurance provider. For instance, you might be shopping for a company that has a vehicle telematics program or you may want one that writes the cheapest policies. If you’re not sure what you want, you could also search for local companies and speak to an insurance professional.
2. Get home and auto insurance quotes. Again, it helps to know what insurance products you need. This way, you can select several insurance providers that have bundling discounts and request quotes. Use the same coverage types and amounts for each policy to make it easier to compare quotes.
3. Review each quote carefully. If the coverage types and amounts are the same, it shouldn’t be as difficult to compare policies. You’ll probably want to pay attention to the premium price, the amount of the bundling discount and any perks or special features that the insurance company provides.
4. Choose a company and start your policies. Once you have decided which insurer suits your home and auto insurance coverage needs best, your insurance professional can walk you through the steps to purchase your policies.
5. Cancel your previous insurance policies. If you already had home and auto insurance coverage with other carriers, you will need to cancel your existing policies if you plan on placing them with a single insurer. When switching to a new carrier, it is typically best to wait to cancel your prior policies until you know the effective date of the new policies, so you can avoid a lapse in coverage. As home insurance is typically paid through your escrow account, you may need to communicate with your lender about the coverage switch.

How to save money when bundling auto and home insurance

Bundling coverage with the best home and auto insurance companies may save you money, but there are other steps you can take to potentially maximize your premium savings.

• Get quotes from several insurance companies. This is important, as every carrier has a different process for setting rates. For instance, your bundling discount could be 25 percent with a carrier, but if the underlying rates are higher than other insurers, you could end up saving more with a carrier that quotes a lower base premium for you — even if the carrier's bundling discount is smaller.
• Take advantage of other discounts. A bundling discount might just be one of several discounts that you qualify for through your insurance provider. For instance, you might be eligible for a safe driver discount, loyalty discount or low-mileage driving discount.
• Review your policies when life events happen. Staying with the same insurer for several years can be a good way to earn loyalty discounts, but occasionally shopping your coverage with other carriers can help you learn if you are still getting a competitively-priced bundle. It can be helpful to shop for insurance after significant events in your life that tend to alter your finances, like getting married or divorced, having a baby or moving to a new home.
• Improve your credit score. If you live in a state where your insurance provider can use your credit score to determine your rates, work on improving your credit score. While it takes some time, you can do this by paying down debt, not missing payments and raising your credit limits.

Learn more: Average cost of homeowners insurance

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes. 

Home insurance

Bankrate utilizes Quadrant Information Services to analyze Junel 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.