Auto and Home Insurance Quotes
- Don't just assume a "bundled" price is less: compare "bundled" and "unbundled" quotes for car and home insurance from several carriers
- Cheapest home and auto bundle: AAA offers low rates and a big discount for bundling.
Save up to $900/year when you use The Zebra to bundle home and car insurance quotes from GEICO, Progressive, Nationwide, Liberty Mutual and Allstate (+100 other companies).
Car and home insurance bundles
If you own a home (or even rent an apartment) and drive a car, it's a good idea to consider bundling, which can save policyholders over 10%.[1] 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. We've done the research so you don't have to— read on to discover which insurance companies offer the biggest savings for bundling, or skip ahead to find out if bundling’s actually worth it for you.
Which companies offer the biggest bundling savings?
Updating data...
Company | No bundling | With bundling discount | % savings |
---|---|---|---|
Allstate | $138 | $106 | 23% |
American Family | $158 | $128 | 19% |
Auto Club | $64 | $49 | 23% |
Farmers | $164 | $128 | 22% |
Nationwide | $112 | $98 | 13% |
State Farm | $128 | $87 | 32% |
Travelers | $248 | $220 | 11% |
USAA | $128 | $117 | 8% |
Source: The Zebra
*The table above reflects the rates of a renter with an auto insurance policy.

*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.
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.
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 monthly rates from leading insurance companies for bundled policies to identify who offers the best discount for combining homeowners or condo insurance with auto coverage.
If you're among the 43% of our customers who feel they're paying too much, it's worth exploring auto and home insurance bundles. USAA or State Farm could be an excellent starting point for your research.
Updating data...
Company | Monthly auto rate, no bundle | Monthly auto rate with bundle |
---|---|---|
Allstate | $192 | $175 |
American Family | $128 | $105 |
Auto Club | $158 | $132 |
Farmers | $145 | $117 |
Nationwide | $122 | $105 |
State Farm | $131 | $110 |
Travelers | $112 | $100 |
USAA | $114 | $108 |
Source: The Zebra

Updating data...
Company | Monthly auto rate, no bundle | Monthly auto rate with bundle |
---|---|---|
Allstate | $192 | $180 |
American Family | $128 | $107 |
Auto Club | $158 | $143 |
Farmers | $145 | $124 |
Nationwide | $123 | $113 |
State Farm | $131 | $110 |
Travelers | $112 | $102 |
USAA | $114 | $111 |
Source: The Zebra


"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."Â
Johnny Hawkins — Licensed insurance manager at The Zebra
How to find the best home and auto insurance bundles
To find the best home and auto insurance bundle, compare quotes from multiple insurers, evaluate coverage and discounts, and consider overall value—not just price. The good news? The Zebra has streamlined the process for you so you can compare multiple quotes in minutes. Insurance shopping with The Zebra is simple: we do the searching, you do the saving.Â

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.Â
✓ 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.
Compare quotes for home and auto policy and save up to $900 a year.
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.[2]

Best overall for auto and home

Best for ease of use and customer service

Best for easy online management
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 |
The Zebra Customer Satisfaction Survey methodology
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.
Questionnaire
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.Â
- 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.
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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.
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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.

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.
Tips and tricks for choosing the best home and auto policy

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.

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.

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.

You can also see more information on bundling car insurance with our helpful guides:
FAQs: Home and auto insurance in 2025
Get home and auto insurance quotes quickly and easily.
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
2024 Customer Satisfaction Survey. The Zebra
2024 U.S. Insurance Shopping Study. J.D. Power
Consumer Insurance Search Results. NAIC
Financial Strength Ratings. AM Best
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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.