Car Insurance for Homeowners
If you own both a car and a home, bundling is an easy way to save some money and simplify insurance.
Many companies offer both auto and home insurance and offer discounts to customers who insure them together.
Can you get a car insurance discount for owning a home?
How to get a multi-policy insurance discount
You can get a multi-policy discount from most major insurance providers by purchasing a homeowners policy and a car insurance policy from the same company. Have the below information on hand when beginning the quote-gathering process:
Car insurance:
- Personal information of all drivers, including license numbers, dates of birth, and driving history — including a timeline of any violations
- Vehicle information (including VIN)
- Address
- Insurance history
Home insurance:
- Address
- Personal information of all individuals living at the residence
- Estimated value of your property
- Estimated value of personal property
- Desired liability limit
- Itemized list of any valuables that may exceed homeowners policy limits
Most home insurance policies have personal property value limitations (usually $3,000-$5,000). If you have furs, fine art, or jewelry worth more than $5,000, consider adding more coverage.
The Best Cheap Homeowners Insurance
Find affordable homeowners insurance with expert tips on saving, comparing quotes, and understanding what impacts your rate.
Which companies offer the best home and car insurance discounts?
Now that we’ve explored how to get a quote, let’s explore the companies offering the best discounts. With a general driving profile (see our methodology below), we surveyed some top insurance companies across the U.S. and added a “homeowner” discount to the policy.
| Company | Homeowners | % Savings |
|---|---|---|
| Allstate | $1,383 | 9.49% |
| GEICO | $1,258 | 9.04% |
| Farmers | $1,228 | 10.85% |
| Liberty Mutual | $1,141 | 9.71% |
| Nationwide | $1,141 | 9.59% |
| Progressive | $1,282 | 9.77% |
| State Farm | $1,307 | 9.01% |
| USAA | $1,316 | 8.95% |
Nationwide offers the cheapest car insurance premium with the “homeowner” discount. Keep in mind, this isn’t a combined premium for home and auto — this is just the cost of an auto insurance policy with a homeowner discount applied. Because of the diverse nature of home policies, it would next to impossible to create a generalized profile to show this average cost.
Use this data as a starting point when searching for a home and auto policy. Assess as many companies as possible with your home and auto insurance bundled together.
Let's compare rates and find the right coverage.
Simple tips to save on car insurance coverage
Now that we’ve outlined how to get car insurance as a homeowner, let’s go over some simple ways to save.
✅ Be smart with your claims
Filing a claim can raise your rates for up to three years. Before filing, weigh the costs:
- Get a repair estimate from a local shop.
- Dig into possible rate hikes after a claim.
- Compare: out-of-pocket repairs vs. deductible + rate increase over three years.
File a claim if:
- Someone was injured (medical costs are high).
- You’re at fault and the other driver insists on insurance handling repairs.
- The damage is extensive or your car is totaled.
👉 Note: Your policy may require you to report any accident, even if you don’t file a claim. Always check your policy terms.
Should I File a Car Insurance Claim [Free Calculator]
Use our claims calculator to help decide if you should file a claim after an acident.
✅ Make sure you have the right coverage
Cars lose value as they age, so it’s smart to revisit your insurance needs regularly. A common rule of thumb: if your vehicle is worth less than $4,000, you may not need collision or comprehensive coverage. Unlike liability (which is required by law), these coverages only protect your own car — and on an older, lower-value vehicle, they may not be worth the cost.
You can check your car’s value using Kelley Blue Book or NADA online. If you decide to keep collision or comprehensive, you can still save money by raising your deductible. This means you take on more financial responsibility if you file a claim, but your monthly premium goes down.
Updating data...
| Company | Avg. 6 Mo. Premium |
|---|---|
| Allstate | $1,551 |
| Auto Club | $1,349 |
| Farmers | $1,266 |
| State Farm | $1,217 |
| Nationwide | $1,189 |
| Progressive | $1,074 |
| GEICO | $944 |
| USAA | $873 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
✅ Ask about discounts
A big benefit of carrying home and auto insurance policies with the same company is the discount. Here are some other standard discounts for which you should be on the lookout.
- Good driver
- Good student discount (ages 16-25)
- Good/safe teen driving discount (pre-approved safety training course)
- Telematics programs
- Payment by bank account
- Paid-in-full discount
- e-Signature discounts
- Paperless billing discount
- Multi-vehicle discount
✅ Shop around
While maintaining homeowners and car insurance with the same company is important, it’s only a small part of finding low-cost car insurance. The best way to finding the cheapest rate is to shop around. Most major car insurance companies will offer you a multi-policy discount, so don’t limit your search. Enter your zip code below to get started today.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.