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Kristine Lee

Manager, Content and Data

  • Licensed Insurance Agent — Property and Casualty

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Mark Friedlander

Director, Corporate Communications, Insurance Information Institute

Mark Friedlander has over 30 years of experience in the insurance industry. He is the Director, Corporate Communications, at the Insurance Informatio…

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Ross Martin

Manager, Content Quality

  • Licensed Insurance Agent — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

Car and home insurance bundles

Many people own or lease two large assets: their personal vehicle and their primary residence. Insuring each of these items seperately can become complex, while bundling policies with a single insurance company may save you money since most insurers offer a multi-policy discount.

Read on to see if bundling could be the right option for you.

What is insurance bundling?

Bundling refers to the common practice of buying multiple insurance policies from a single insurance company. Bundling car and home insurance is the most common combination, but carriers may offer a variety of policy options to bundle.

Key takeaways

  • Bundling insurance is when you but multiple policies, usually home and auto, from the same insurance provider
  • Homeowners can save 10% or more on each policy by bundling car and home insurance, while renters can save  at least 5% per policy
  • USAA and State Farm are rated as the best insurance companies for bundling and have the cheapest average rates for home and auto insurance
  • Homeowners pay less for car insurance in general

Best insurance companies for bundling auto and home

The Zebra conducted a survey with the intention of reviewing insurance carriers from a customer's perspective. We asked how each major carrier held up in online experience, claims satisfaction, ease of use, customer service, trustworthiness and willingness to recommend. Below are the results of this study on the top insurers for bundling car and homeowners insurance.

top rated bundling
Top rated for auto and home — USAA

Homeowners ranked USAA as the best overall auto insurance company in our survey. The company offers a discount of up to 10% for bundling, but while USAA is widely available and has a great reputation, it's only available to active duty or veteran military members and their families.

state farm
Best for ease of use, customer service and online experience — State Farm

State Farm is widely available and those who prefer a personalized experience can easily access its network of agents. The company offers savings of 17% by bundling car insurance with home, condo, renters or life insurance. The company also has many coverage add-ons available for homeowners insurance, though the average cost can be on the pricey side compared to other insurers.

Best for claim satisfaction — GEICO

GEICO also has wide geographic availability and plentiful discount opportunities, including a multi-policy discount. The company doesn't advertise how much a customer could save by bundling. But in our rate analysis of GEICO, we found that while it typically offers lower rates than many of its competitors, it's pricier than USAA and State Farm.

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.

See the how other insurance companies did in our survey using the table below.

Rank Company Customer Satisfaction Rating (out of 5)
1st USAA 4.6
2nd State Farm 4.4
3rd GEICO 4.3
4th Kemper 4.3
5th Allstate 4.3
6th American Family 4.3
7th Erie 4.3
8th Progressive 4.3
9th AAA 4.3
10th Nationwide 4.3
11th Farmers 4.2
12th Auto-Owners 4.2
13th Travelers 4.2
14th Liberty Mutual 4.2
15th National General 4.1

Advantages of bundling home and car insurance

There are some additional benefits of keeping it in the family and covering your dwelling and vehicle with one company. 


Many insurance companies offer cheaper rates to customers who are willing to bundle their home and car insurance policies. 


Bundling allows you to simplify your insurance management. While your billing calendars may not align, you'll limit your exposure to multiple agents, customer service reps and other common insurance-related hassles.

Do you actually save money bundling home and auto insurance?

As long as you ensure that your home and auto insurance quote lowers your rate more than it would than having multiple policies from different companies, you can save. While most car insurance discounts are quite small, bundling usually earns you the biggest discount. However, it's also integral that before policy renewals come up, you get new quotes from time to time to make sure you're actually continuing to save money by bundling.

Tips for finding cheap homeowners and car insurance bundles

If you're in the market for homeowners and car insurance, keep in mind these tips:

  • Make sure the insurance company you choose has good claims management and customer service in addition to cheap rates; if you’re only dealing with one insurance company, it should be a pleasure to work with. Explore our review of the best homeowners insurers and best car insurers.
  • Verify your insurance coverage won’t change after you bundle. Not all policies are equal, and you want to make sure the other insurance company doesn’t carry restrictions that can limit your coverage.
  • Do the math: If you’re only bundling to save money, be sure the discount you receive is worth it. Compare the premium you received when you were not bundling versus your new bundled premium.

Find a bundle online today: compare quotes now.

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Best bundling discounts

Homeowners can save at least 10% by bundling car and home insurance, while renters save at least 5%. In order to see which company has the best discount for bundling a homeowners or condo insurance policy with auto insurance, we generated rates from major insurance companies (methodology) for six-month bundled policies.

Average Home Insurance Rate Average Auto Insurance Rate Average Home and Car Insurance Bundle Rate
$752 $765 $675
Company Homeowners % Savings $ Savings
Allstate $894 8.54% $76
Farmers $659 22.05% $145
GEICO $583 2.97% $17
Liberty Mutual $750 11.71% $88
Nationwide $636 11.9% $76
Progressive $707 10.55% $75
State Farm $549 17.57% $97
USAA $525 3.84% $20

Homeowners pay the least for car insurance for several reasons. Homeowners are seen as more financially responsible and less likely to file an auto insurance claim than are renters. If you're a homeowner looking to bundle your auto and home insurance policies, consider USAA or State Farm.


Company Condo owner % Savings $ Savings
Allstate $905 7.2% $65
Farmers $710 13.22% $93
GEICO $583 2.97% $17
Liberty Mutual $750 11.71% $87
Nationwide $664 7.2% $47
Progressive $708 10.35% $73
State Farm $551 17.23% $95
USAA $530 2.94% $15

Other than USAA, State Farm is the cheapest company for auto insurance with a bundled condo insurance policy. On average, State Farm charges $92 a month for a car insurance policy with condo insurance bundled.

Note: Because of the complicated nature of homeowners, condo and renters insurance pricing, we only gathered rates for auto insurance policies.

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

When not to bundle home and auto policies

While bundling home and auto insurance has definite benefits, there are also scenarios in which it might not be the best idea. Read on to learn more about when you shouldn't bundle your homeowners and car insurance policies.


If you'll lose or limit your insurance coverage

Because homeowners and car insurance policies are assessed by different underwriters (even if they are within the same company), they view risks differently. For example, some homeowners insurance companies will either charge you more — or flat out deny coverage — based on your dog’s breed. While your dog’s breed has absolutely nothing to do with your car insurance, your dog is covered under your homeowners (or renters or condo owners) insurance via your liability policy.

If you transfer your home insurance policy from a company that doesn’t exclude or limit your liability coverage simply because you have a German Shepherd, to one that does, you may be hurting yourself in the long run for a 5% to 10% discount.

This isn’t limited to dogs. If you own a trampoline, a pool or other potentially risky belongings, you should ask potential insurers to learn about potential limitations on your liability coverage (or other coverage options) before bundling insurance.

money saving tip icon

Money-saving tip

Even if you don't opt into a car-and-home insurance bundle, you can save money based on your status as a homeowner. In fact, a typical homeowner's car insurance rate is $8 less per month compared to renters.

Insurance industry analytical data shows homeowners are less likely to file car insurance claims, leading to lower auto rates in many cases.

If the discount isn't worth it

If the amount you save by bundling isn't greater than what another company would offer without a discount, it’s not worth it. Some insurance agents will quote you a bundling discount if you’re trying to leave their company, but there may be cheaper insurance options elsewhere. Even with a 5% to 10% discount, some insurance companies' rates may be more expensive than other companies' non-discounted premiums.

While Liberty Mutual and Farmers offer large discounts for bundling, the companies' average premiums still exceed those of Nationwide, with or without a bundling discount. Even if you're set to save a couple of bucks per month with an auto-and-home insurance bundle, compare other car insurance companies' offerings before settling on a company. In short, it's important to verify that your discount actually makes it cheaper than having separate policies.

See more information on bundling car insurance with our helpful guides:

Frequently Asked Questions

Insurance companies often provide a multi policy discount if you choose to bundle. Because this discount varies from insurer to insurer, it's important to verify that the bundling savings you're receiving actually makes it cheaper than buying two policies from different providers.

Depending on the insurance provider, the discount can range from 5% to 20%. According to our data, homeowners save an average of 10% and renters save 5%.

According to our survey of popular insurance companies, USAA, State Farm and GEICO were the top rated for car and homeowners insurance.

USAA and State Farm have the cheapest average rates for bundling home and auto insurance and are also rated as some of the best insurance companies.

Get home and auto insurance quotes quickly and easily.

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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 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.