Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

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…

Author profile picture

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…

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Car and home insurance bundles

If you own a home and car, it's a good idea to consider bundling, which can save some homeowners over 10%. However, it's essential to compare both bundled and unbundled home and auto insurance quotes carefully as bundling isn't always the most cost-effective option.

Johnny Hawkins, licensed insurance agent and sales manager from The Zebra's Insurance Agency
Agent Insight: Is insurance actually cheaper when you bundle?

"Only sometimes. For example, a company might offer you cheap rates for auto insurance but very high rates for home insurance (or vice versa). Even with a big bundling discount, getting each policy from separate carriers might be more cost-effective. This is why we recommend you give us a call! We compare quotes from large and small insurers and make sure you get the best rate and coverage, bundled or not." 

Johnny Hawkins — Licensed insurance manager at The Zebra

Let's dive into the ins and outs of bundling insurance, and how The Zebra makes it easy to compare car and home insurance quotes. 

Key takeaways

  • Bundling" insurance means purchasing multiple policies, like home and auto, from one provider, often saving 10%+
  • Don't just assume a "bundled" price is less: compare "bundled" and "unbundled" quotes for car and home insurance from several carriers
  • As an independent insurance agency and a comparison website, The Zebra is uniquely positioned to help you find the best auto and home insurance quotes, bundled or not
  • USAA and State Farm both have the cheapest average home and auto rates and were rated as the best insurance companies for bundling

How to find the best home and auto insurance bundles

The thought of collecting quotes from various insurers might seem daunting, but here at The Zebra, we've streamlined the process so you can get multiple quotes in minutes. Insurance shopping with The Zebra is simple: we do the searching, you do the saving. 

Screenshot of what you comparing quotes for home and auto insurance through The Zebra

Real image of The Zebra's product when bundling — individual results may vary.

Why bundle through The Zebra?

✓ 100+ insurance partners and unbiased comparisons. As an independent insurance agency, The Zebra crafts bundles that prioritize your savings and coverage needs.

✓ Multiple ways to shop. Start shopping via our online comparison engine or speak with our friendly licensed agents at 1-888-255-4364.

✓ Custom bundle options. Available only when you speak with our in-house agents. Get the best rates for your insurance needs, whether through a bundle with a single carrier or via multiple home and auto insurers. 

✓ Your privacy matters. This means no junk mail or spam and we will never sell your information.

✓ We help you re-shop. As market conditions and your needs evolve, we make sure you're still getting the best deal on your auto and home insurance.

Don't just take our word for it

The Zebra is rated 4.8 out of 5.0 based on 2373 reviews.

4.8 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 79.99999999999999% filled Star icon

out of 2000+ ratings

Read additional customer reviews and see why The Zebra is the #1 insurance comparison site.

See for yourself how much you can save!

Location pin icon
No junk mail. No spam calls. Free quotes.

The 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.

Best overall for auto and home — USAA

4.6 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 59.999999999999964% filled Star icon

Rating from The Zebra Question mark icon

While USAA was ranked best overall in The Zebra’s Customer Satisfaction Survey, they specifically won top marks from USAA customers who had both home and auto insurance. They're also the cheapest company at $525/6-month period.

100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 59.999999999999964% filled Star icon
4.6 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
Read our review
  • Up to 10% discount for bundling

  • Ranked #1 in our customer survey

  • Cheapest average rates when bundling

  • High ratings from J.D. Power and other reputable third parties

  • Wide availability and many coverage options

  • Only available to active duty or veteran military members and their families.

Best for ease of use and customer service — State Farm

4.6 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 59.999999999999964% filled Star icon

Rating from The Zebra Question mark icon

Ranked second overall in The Zebra’s Customer Satisfaction Survey, State Farm won the top spot for categories like ease of use and customer experience. State Farm is especially well-suited for individuals who value having a personal insurance agent.

100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 59.999999999999964% filled Star icon
4.6 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
Read our review
  • Advertise up to 17% savings for bundling

  • Ranked #2 in our customer survey

  • 2nd cheapest average home and auto rate

  • Widely available

  • Large network of agents

  • Fewer custom coverage options than some competitors

  • Pricier home insurance policies


Best for easy online management — GEICO


4.0 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon

Rating from The Zebra Question mark icon

GEICO has been at or near the top of the Best Online Experience category since the first year of our survey. And while it receives mixed reviews across the web, GEICO was ranked #3 overall in The Zebra's Customer Satisfaction Survey by those bundling insurance policies.

100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4.0 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
Read our review
  • Ranked #3 in our customer survey

  • 3rd cheapest average premium for bundled home and auto insurance

  • Offers a wide array of bundling options (e.g. home, motorcycle, mobile home)

  • Robust online tools and mobile app

  • Poor rankings from J.D. Power for customer satisfaction and claims satisfaction

  • May not offer the lowest rates for certain demographics

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


The Zebra's Customer Satisfaction Survey Results: Top-Rated Companies for Bundling Home and Auto Insurance

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

The Zebra Customer Satisfaction Survey methodology


These results are based on a survey of 2,722 U.S. insurance policyholders assessing satisfaction with their car and homeowners insurance providers. The survey was conducted using Survey Monkey and designed by our in-house team. It aimed to collect detailed insights from a census-balanced sample reflecting age, gender, and region.


The questionnaire included demographic questions about age and gender identification and detailed inquiries into insurance experiences. Key topics:

  • Duration with insurance provider and coverage specifics, including teen drivers.
  • Claim filing experiences and satisfaction with claims handling.
  • Customer service interactions, trust in providers, and likelihood of recommending their insurance.
  • Use and satisfaction with digital tools and usage-based insurance programs.

Respondents rated their satisfaction on a Likert scale from 1 to 10 and provided qualitative feedback.

Data Analysis

Data were analyzed focusing on descriptive and inferential statistics to identify satisfaction trends and demographic impacts. Data cleaning and weighting were applied to ensure accuracy, alongside strict confidentiality protocols to protect data security.

Is combining home and auto insurance right for me?

Combining homeowners and car insurance is likely right for you if:

  • The price of your insurance with the bundling discount is actually less than another company's non-discounted rate. 
  • You won't lose or limit your insurance coverage

For some, convenience is more important than saving money. If you're one of these people, bundling might still be a good option even if your bundled rate isn't your cheapest rate. See a breakdown of the advantages and disadvantages of bundling below as well as specifics on when not to bundle your car and home insurance.


Pros and Cons of Bundling Homeowners and Car Insurance

  • Potential Cost Savings - Many insurance companies offer cheaper rates to customers who are willing to bundle their home and car insurance policies.

  • Convenience - Bundling often streamlines processes like policy updates, payments, and filing claims, sometimes even eliminating the need for separate billing calendars.

  • The Discount Might Not Be Worth It - Sometimes, one company's rate with a bundling discount will still be more expensive than another's non-discounted insurance rate.

  • Limited Options - The insurer you bundle with might not offer the coverage or have limitations that might not align with your unique insurance needs.


When not to bundle home and auto policies

While bundling home and auto insurance has its 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, your dog is covered under your homeowners (or renters or condo owners) policy, not your car insurance policy. Some homeowners insurance companies will either charge you more — or flat out deny coverage — based on your dog’s breed. Therefore, transferring your home insurance policy to a company with limitations on liability coverage for specific risks like owning a German Shepherd may not be beneficial in the long run, despite a 5% to 10% discount.

Similar scenarios exist around limitations related to ownership of trampolines, pools or other potentially risky belongings.

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. For example, on average, Liberty Mutual and Farmers offer large discounts for bundling, but their average premiums still exceed those of Nationwide, with or without a bundling discount.

house with trees and price tag

Did you know being a homeowner could save you money?

Even if you don't 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. Homeowners are seen as more financially responsible and insurance industry analytical data shows they are less likely to file car insurance claims, leading to lower auto rates in many cases.

The cheapest companies for bundling car and home insurance

Homeowners can save at least 10% by bundling homeowners or condo insurance, whereas renters often save around 5%. We've analyzed rates from leading insurance companies (methodology) for six-month bundled policies to identify who offers the best discount for combining homeowners or condo insurance with auto coverage.

Average Auto and Home Rates: Bundle vs No Bundle

Insurance Type Average Rate (Not Bundled) Average Rate (Bundled)
Auto $864 $781
Home $758 $653
Total Cost For Both Policies $1622 $1434

The Cheapest Insurance Companies When Bundling

Company Auto Only Auto (Bundled) Home Only Home (Bundled) % Savings $ Savings
Amica $852 $1,703 $1,454 $1,163 15.96% $368
Allstate $1,152 $1,050 $826 $636 14.76% $292
Farmers $869 $701 $984 $768 20.72% $384
GEICO $768 $730 --* --* 4.95%* $38*
Nationwide $734 $628 $676 $588 13.76% $194
Progressive $917 $838 --* --* 8.68%* $79*
State Farm $784 $658 $766 $519 24.06% $373
USAA $683 $647 $767 $702 6.97% $101

*Please note that we do not have rates for GEICO and Progressive home insurance bundles since their homeowners policies are provided and/or serviced by third-party insurers.

If you're among the 64% of our customers who feel they're paying too much, it's worth exploring auto and home insurance bundles with USAA or State Farm could be an excellent starting point for your research.

Auto Insurance Rates For Condo and Auto Bundle
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.

The Zebra’s auto insurance 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.

Tips and tricks for choosing the best home and auto policy

pencil marking a checklist
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 (e.g. dog, pool, trampoline-related) that can limit your coverage.

medal with checkmark
Make sure your chosen insurer has good claims management and customer service.

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 in addition to the best insurers for bundling auto and home insurance above.

bundling cash
Get both "bundled" and "unbundled" quotes from multiple companies.

If you’re only bundling to save money, be sure the discount you receive is worth it. In addition to comparing prices for policy bundles from a single carrier, look at individual car and homeowners policies from separate carriers. Sometimes, this "mix and match" method can be cheaper than traditional single-carrier bundles (even with the bundling discount). This is something our in-house insurance agents do every day. Give us a call below or learn more about The Zebra's independent agency.

zebra insurance agent icon
Short on time? Let our friendly, licensed agents do the shopping for you at 1-888-255-4364.

You can also 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.

Location pin icon
No junk mail. No spam calls. Free quotes.


Other people are also asking...

Can I get homeowners insurance with non-permitted roof repairs?

Thanks for reaching out about this! In short, yes, this will affect your insurance. Buying a home is a big life event and can be stressful even without surprises, so discovering that things weren't done according to code or local regulations can be incredibly frustrating (and potentially unsaf…
Nov 8, 2023 Palm Coast, FL

Does my age matter for homeowners insurance rates?

Thank you for reaching out to The Zebra! This is a great question. Car insurance is much more dependent on your age than home insurance. When it comes to home insurance, the age of the house is usually a much more important factor than the age of the homeowner! However, some carriers will use your …
Mar 30, 2023 Union Gap, WA

If I am buying car insurance and already have motorcycle insurance, will I be eligible for a prior insurance discount?

With the majority of companies, a prior insurance discount for auto coverage is based on being previously insured under an auto policy. Unfortunately, most companies won't consider an existing motorcycle policy to be sufficient to qualify for a continuous insurance discount. It may be possible…
Jun 6, 2017 Peoria, AZ

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.