The Best Home and Auto Insurance Bundles

Written by Stephanie Colestock and 1 other
Updated Apr 29, 2025

Allstate, Nationwide, Progressive and Travelers are four of the best car and home insurance companies for bundling discounts.

A white vehicle sits in the driveway of a home
You’re minutes away from insurance savings.

The best home and auto insurance bundles come from companies like Allstate, Nationwide and Progressive, according to Jerry’s editorial analysis. By combining your auto policy with other types of coverage — such as homeowners, condo or renters insurance — you could save on your overall premiums.

Bundle home + auto insurance to save.

The best home and auto insurance bundles

Here are the best home and auto bundles, according to Jerry. We picked this list by looking at companies that offered bundling discounts with a Jerry 4 star rating or higher. The discounts below represent savings published on the insurer’s website.

Best bundling discount
Allstate
4.7
Jerry’s Score
Discount: Up to 25%
Allstate offers a homeowners discount of up to 25% when you bundle your auto and home policies online — the highest discount from any of the insurers we analyzed. Allstate policyholders can access their accounts, request roadside assistance and even file a claim from anywhere via the mobile app. Home and auto insurance is available in all 50 states, though bundling discount availability may vary by state.
Best for bundling combinations
Nationwide
4.7
Jerry’s Score
Discount: Up to 15%
Nationwide offers auto and home insurance bundling, and bundles for other types of insurance. This means you could save on combinations like an auto and renters insurance bundle, or even combining auto coverage with home, motorcycle, life, boat and more. Nationwide is available in every state, excluding Alaska, Hawaii, Louisiana and Massachusetts. If you prefer to work directly with a person, Nationwide offers a network of agents that can be found through their website.
Best for added discounts
Farmers
4.6
Jerry’s Score
Discount: 10% or more
Farmers customers could get a discount of 10% or more for bundling auto and home insurance, with additional savings for insuring multiple vehicles. Farmes offers more than 20 discounts that can be combined to amplify your savings. Farmers insurance is available in 42 states, excluding Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont and West Virginia.
Best for deductible savings
Progressive
4.6
Jerry’s Score
Discount: Average of 20% or more
If you bundle your home and auto coverage with Progressive, and an event causes you to file a claim on both policies, you’ll only pay one of your deductibles. For example, if your house burns down with your car in the garage, you’ll only pay one deductible when you file claims on both your home and auto policies. Progressive is available in all 50 states and bundles are available when you combine auto with a homeowners, condo, renters or manufactured-home policy.

Honorable Mention: Travelers

While not yet rated by Jerry, Travelers offers a discount for bundling policies. In addition to standard home and auto bundles, including homeowners, renters and condo insurance, Travelers customers can save even more when they add additional policies like umbrella, boat and valuable personal property insurance. Travelers insurance is available in all 50 states and Washington, D.C.

What is an auto and home insurance bundle?

Bundling is the process of purchasing multiple insurance policies from a single provider, usually at a discounted rate. A bundling discount can often be stacked with other types of insurance discounts, including those available to safe drivers, loyal customers and drivers with certain vehicle safety features.

Policy bundles often combine auto insurance with homeowners insurance. Depending on the carrier, you may also be able to bundle your car insurance with other types, like renters insurance, RV insurance, motorcycle insurance, boat insurance or an umbrella policy.

Why bundle auto and home insurance coverage?

Combining your auto and home insurance policies with the same insurance company can be a great way to save money while also streamlining coverage. You’ll only need to track one insurer, one set of login credentials and, in some cases, only make one bundled premium payment — often at a discount.

Your savings will vary from one insurer to the next, but some insurance companies offer discounts of up to 25% for bundling multiple insurance products. This could save you hundreds of dollars, depending on your insurer and the policies you have. 

Let’s say you pay $2,150 a year for a full coverage car insurance policy through one company, and $2,350 a year for a homeowners policy through another. Combined, that’s $4,500 a year, with separate policies, payments and mobile apps to manage.

Now imagine you bundle both policies with a single carrier that offers a 15% bundling discount. If your premiums don’t change, the discount will save you $675 per year. You might save even more if you shop around and find lower rates.

Auto insurance premiumHome insurance premiumTotal annual cost
Separate policies from two companies.$2,150$2,350$4,500
Bundled policy from one company.$1,828$1,997$3,825

It’s important to note that, just like car insurance rates, bundled policy quotes can change based on factors like how many vehicles you own, your coverage levels and which policies you’re bundling.

Learn More: The best car insurance companies of 2024

When to consider bundling home and auto insurance

You may want to consider bundling if:

  • You’ll get a discount. Bundling your auto policy with another insurance policy is likely worthwhile if it offers a significant discount. 
  • You want a single deductible. Some insurers offer a single deductible for bundled home and auto policies in circumstances when damage is done to both your house and car in a single event, like a natural disaster. This can save you money when filing a claim.
  • You want one policy to manage. Having one company cover both your home and car means just one premium to pay, one app to install and a single account to manage.

When to stick with separate policies

There may be situations when going with separate policies makes sense. You might not want to bundle if:

  • You already have a great rate. Not all insurance companies offer bundling discounts. If you’re already paying a great rate, and switching to a new provider won’t save you money, it’s likely better to stick with separate policies.
  • You have specialized insurance needs. Some customers — like those who need ​​an SR-22 or high-risk homeowners insurance — may not find a provider who is able, or willing, to bundle their policies together. 
  • You’re benefiting from loyalty discounts. If you’ve been with your current provider for a long time, your loyalty discount might be more than any potential bundle savings with a new provider.
  • You can’t find a big enough discount. While multi-policy discounts are often great, some insurers won’t offer enough incentive to switch. It may be cheaper to stick with separate auto insurance and home insurance companies.

How to get bundled quotes

You can shop for bundled home and auto insurance the same way you shop for individual policies, whether that’s online, over the phone or through an agent. Many insurance companies will quote two or more policies for you so you can see pricing options. 

Methodology

Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.

We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Stephanie Colestock

Stephanie Colestock is a seasoned writer specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, credit and debt management, banking, investing, retirement planning, and household finances.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, USA Today, Money, Fox Business, and CBS. Stephanie\’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.

When she’s not writing, Stephanie enjoys helping individuals make smarter financial decisions through her engaging and well-researched articles.

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Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.