Best Companies for Bundling Car and Home Insurance
Amica is our pick for best insurance bundling overall, but State Farm can be cheaper
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- Affordable rates and good customer service make Amica the best company for bundling your car and home insurance.
- State Farm is the cheapest company for bundling.
- The discounts insurance companies offer for bundling policies range from 10% to 40%.
Best car and home insurance bundle
Amica is the best company for a car and home insurance bundle. It has affordable rates even before bundling, and excellent complaint ratings from the National Association of Insurance Commissioners (NAIC)
State Farm, Auto-Owners and USAA stand out for reasons of their own.
Best overall for bundling: Amica
Monthly car and home bundle rate: $377
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Why we chose it: Amica’s average rates for auto and home insurance combined is 5% less than the national average. Amica then offers a 30% discount for bundling the two, which makes the company even more affordable.
Who it’s best for: Shoppers who value good service. The company’s excellent NAIC scores means it has fewer complaints than average over things like claims. Its high customer satisfaction scores from J.D. Power
Pros
- Combined home and auto rates are 5% less than U.S. average
- Discounts of up to 30% for bundling auto and home insurance
- Excellent customer service ratings from NAIC and J.D. Power
Cons
- High stand-alone car insurance rates
- State Farm is cheaper before discounts
Best for cheap rates: State Farm
Monthly car and home bundle rate: $291
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Why we chose it: State Farm is one of the few companies out there whose average rates for car and home insurance are both below the national averages. This makes it a good company to contact for a home and auto insurance bundle quote.
Who it’s best for: Customers seeking straightforward protection. State Farm doesn’t offer car insurance add-ons like gap insurance
Pros
- Cheap combined home and auto rates
- Useful add-on protections available for your home
- Good NAIC complaint rating for car insurance
Cons
- Doesn’t offer gap insurance or accident forgiveness
- More home insurance complaints than average
Best coverage options: Auto-Owners
Monthly car and home bundle rate: $421
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Why we chose it: Auto-Owners offers a few add-on coverage options that provide long-term protection to your car and home. Its low customer satisfaction rating means it can be difficult to work with for quotes or service. However, its good NAIC ratings indicates it usually comes through on claims.
Who it’s best for: Shoppers who value coverage over price. Auto-Owners’ inland flood coverage
The company also offers gap insurance and accident forgiveness. Each can save you money in different ways after a car accident.
Pros
- Protection available for inland flooding
- Offers gap insurance and accident forgiveness
- Good NAIC complaint rating
Cons
- Other companies are cheaper
- Low customer satisfaction rating from J.D. Power
Best for the military community: USAA
Monthly car and home bundle rate: $327
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Why we chose it: USAA’s industry-leading J.D. Power customer satisfaction
Who it’s best for: Anyone who meets USAA’s military eligibility requirements
Pros
- Combined home and auto rates are 18% less than U.S. average
- Higher satisfaction ratings than every other insurance company
- Car replacement assistance saves you money after a total auto loss
Cons
- Only available to the military community
- Bundling only saves you 10%
Combined rates for home and auto bundles
| Company | Monthly home and auto cost | Annual cost | LendingTree auto score | LendingTree home score |
|---|---|---|---|---|
| State Farm | $291 | $3,489 |  4.5/5 |  4/5 |
| Amica | $377 | $4,527 |  3.5/5 |  5/5 |
| Travelers | $403 | $4,836 | 4.5/5 | 3.5/5 |
| Country Financial | $416 | $4,997 | 5/5 | 4/5 |
| Progressive | $417 | $5,004 | 4/5 | 3.5/5 |
| Auto-Owners | $421 | $5,054 | 5/5 | 4/5 |
| American Family | $431 | $5,175 | 4/5 | 4/5 |
| Allstate | $444 | $5,328 |  3/5 | 4/5 |
| Nationwide | $481 | $5,770 | 3/5 | 3.5/5 |
| Farmers | $499 | $5,991 | 3/5 | 3.5/5 |
| USAA* | $327 | $3,918 | 4/5 | 4/5 |
Your actual rate depends on factors like your location and the amount of coverage you need. Each company’s rates vary by customer. This makes it good to compare insurance quotes from a few companies to find the best rate for your situation.
How much can I save by bundling my car and home insurance?
The amount you can save by bundling your car insurance can range from 10% to 40%. The size and availability of each company’s multipolicy discount vary by state.
Home and auto bundling discounts
| Company | Max. multipolicy discount rate |
|---|---|
| Allstate | 20% |
| American Family | 40% |
| Amica | 30% |
| Country Financial | 30% |
| Farmers | 10% |
| Nationwide | 15% |
| USAA* | 10% |
Many companies give you a discount on all the policies in your bundle. However, some only apply the discount to one policy.
For example, Travelers and Progressive each gives you a car insurance discount when you get your home insurance from them. However, bundling does not make your home insurance rate go down with these companies.
Why should I bundle my home and auto insurance?
Savings and convenience are two good reasons to bundle your home and auto insurance with the same company. Most insurance companies give you a significant discount for getting more than one policy from them.
Bundling can also make it easier to manage your insurance. You can often contact the same agent with questions about your homeowner policy, auto insurance or both.
When is bundling insurance not worth it?
There are some situations in which bundling your insurance may not be your best option.
For example, some companies may have an exceptionally high rate for either home or auto insurance. In these situations, stand-alone policies from separate companies may be cheaper than sticking with one company for a bundle.
If you only drive occasionally, pay-per-mile car insurance
Bundling may also not be your best bet if you have a bad driving record. In these situations, you may need to get car insurance from a nonstandard car insurance company. Some of these companies don’t offer home insurance.
Sometimes a company with the cheapest bundle may not offer a certain coverage you need, like gap insurance. In this situation, separate companies may be better for getting all the coverage you need.
Insurance bundling pros and cons
Pros
- Generous discounts for bundling home and auto insurance
- Convenience of working with one person or company
Cons
- Stand-alone home and auto policies can sometimes be cheaper
- Coverage options may be limited for your home or auto policy
Best-rated companies for bundling home and auto insurance
Amica, American Family, Country Financial and USAA are the best-rated companies for home and auto insurance bundles.
Country Financial has the best NAIC ratings, which means the fewest complaints over things like claims. USAA and Amica have the best overall satisfaction ratings from J.D. Power. A good satisfaction rating means customers generally like working with their insurance company.
Insurance company complaint and satisfaction ratings
| Company | NAIC auto | NAIC home | J.D. Power auto | J.D. Power home |
|---|---|---|---|---|
| Allstate | 0.8 | 1.2 | 641 | 633 |
| American Family | 0.3 | 0.4 | 642 | 643 |
| Amica | 0.5 | 0.2 | 702 | 705 |
| Auto-Owners | 0.5 | 0.5 | 623 | 621 |
| Country Financial | 0.2 | 0.1 | 652 | 640 |
| Farmers | 0.9 | 0.7 | 614 | 631 |
| Nationwide | 0.7 | 1.2 | 650 | 641 |
| Progressive | 0.7 | 1.8 | 628 | 627 |
| State Farm | 0.6 | 1.4 | 641 | 657 |
| Travelers | 0.4 | 0.7 | 619 | 608 |
| USAA* | 0.8 | 0.5 | 724 | 737 |
How to compare quotes for car and home insurance bundles
It’s important to shop around to find the best deal on your home and auto insurance bundle. Consider these tips as you compare quotes.
- Find your declarations: Your current policies’ declarations pages summarize your current coverages and limits. Sharing these with other agents helps you get quotes faster.
- Compare apples to apples: It’s important to make sure the coverage options and deductibles match up in each quote.
- Check the details: Make sure the information about you, your home and your vehicles are accurate in each quote.
-
Consider higher deductibles: Raising your deductibles
can lower rates. Just make sure to keep money in the bank to cover these costs in the event of an accident or disaster.A deductible is the amount of money you pay out of your own pocket after you file a claim and before your insurance company pays the rest.
- Ask about discounts: Most companies automatically apply some discounts to your quote. It’s good to ask about others that may be available so none get overlooked.
Consider unbundling if you find that one company has very cheap car insurance, while another has an extremely low home rate. Separate policies from different companies can sometimes be cheaper than bundling. Make sure to get quotes showing rates without your multipolicy discount before you decide.
How LendingTree helps you find the right policy
Shopping for car and home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your needs and budget.
How it works
Tell us about your home
Answer a few quick questions about your cars, home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Bundling means getting more than one insurance policy from the same company. Most companies offer sizable discounts for bundling your car and home insurance with them. You may also get more discounts for adding other policies like motorcycle or boat insurance to your bundle.
Not always. Even though most companies give you a discount for bundling your car and home insurance with them, buying stand-alone policies from separate companies can sometimes be cheaper.
American Family gives the biggest discount, offering up to 40% off for bundling home and auto insurance with them. Amica and Country Financial are next, with discounts of up to 30% for bundlers. The actual size of the discount can vary by state.
Methodology
LendingTree obtains car and home insurance rates from Quadrant Information Services. Rates are based on an analysis of hundreds of thousands of quotes for typical drivers and homes.
Prices reflect each company’s combined average rates for home and full coverage car insurance. They are shown for comparative purposes only. Terms and conditions apply, and your own costs may be different.
Your coverage and deductible have a big effect on your insurance costs. LendingTree generally quotes two different types of coverage:
For full-coverage policies (including collision, comprehensive and liability), we use these coverages:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
Homeowners insurance rates are based on policies with the following coverage and deductible amounts:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
How we evaluate insurance companies
LendingTree’s team of insurance experts rate insurance companies’ basic rates, discounts, coverage options and third-party customer service ratings. We also evaluate the digital experience each company provides on its website and smartphone app. We then weight these categories based on what customers value in an insurance company.
Third-party ratings services include the National Association of Insurance Commissioners (NAIC) and AM Best. NAIC’s complaint ratings show how often companies are found at fault over customer complaints for things like claims. Financial ratings from AM Best are good indicators of how well a company is run and its ability to pay claims.
See our car rating and home rating methodologies and our general editorial guidelines for more information.
*USAA is only available to current and former members of the military and certain family members. Employees of some federal agencies and their families are also eligible.