In one 2026 national analysis, Travelers had the cheapest home and auto bundle at about $3,989 a year, but the biggest savings came from Farmers, State Farm, and Allstate, which saved $1,100 to $1,300 versus separate policies. Bundling saves about 15% on average, though your state, home, and driving record decide the winner.
| KEY TAKEAWAYS• Cheapest bundle: Travelers at $3,989 a year. Biggest dollar savings: Farmers at $1,324 (Insure.com, May 2026).• Biggest discount: State Farm at 22%. Smallest: Progressive at 6%.• Bundling saves about 15% on average, and up to 25% at some insurers (Insure.com; Insurify).• The J.D. Power 2026 national auto satisfaction average is 644 out of 1,000, unchanged from 2025.• A bundle is not always cheapest: if splitting policies beats the bundle by more than $100 to $200, split. |
What is a home and auto insurance bundle?
A home and auto insurance bundle means you buy both policies from the same insurer in exchange for a multi-policy discount. It is the most common way to cut insurance costs, but the best deal depends on where each insurer is strongest. We compared eight major insurers using average premiums, satisfaction scores, and financial strength ratings.
The 8 bundles, ranked by total bundled price
Price figures are national averages from Quadrant Data Services as reported by Insure.com. Your quote will differ by state, age, credit, home, and driving history.
1. Travelers: Lowest total bundled price
How It Works: Travelers wins on low base rates rather than a big discount. Its multi-policy discount is the smallest of the top picks, but it starts so low that the bundle still comes out cheapest.
Real Example: In the Insure.com analysis of Quadrant data (updated May 2026), the average auto premium was $2,243 and home was $2,218. Bundled, the pair costs $3,989 a year, an 11% discount worth $472.
Estimated Savings: About $472 a year, on the lowest total bill in the study.
Ratings: AM Best A++ (Superior). J.D. Power 2026 auto scores by region ranged from 584 to 657 against a 644 national average.
Best For / Skip If: Best for budget buyers who want the lowest sticker price. Skip if you value top-tier claims scores; Travelers sits below average in most regions.
Action Step: Get a Travelers bundle quote first, then use it as your price to beat.
2. USAA: Cheap, high satisfaction, but military only
How It Works: USAA offers low base auto and home rates to military members, veterans, and their families. The bundle discount is modest, but the starting prices are among the lowest.
Real Example: Average auto was $1,985 and home $2,400, so the bundle comes to $4,048 a year, saving $337 (8%). J.D. Power gave USAA 707 to 763 in every region, though it is unranked because of its eligibility limits, and a 741 for homeowners in the 2026 home study.
Estimated Savings: About $337 a year.
Ratings: AM Best A++ (Superior). Highest J.D. Power scores of any insurer in both studies, unranked.
Best For / Skip If: Best for anyone who qualifies. Skip if you do not; membership is restricted to the military community.
Action Step: Check your eligibility at usaa.com before you shop anyone else.
3. State Farm: Biggest discount, strong claims reputation
How It Works: State Farm pairs the largest percentage discount in the study with consistently above-average satisfaction. It leads the Insure.com state table in Texas, Florida, Pennsylvania, Georgia, and Michigan.
Real Example: Auto averaged $3,139 and home $2,336. Bundled, the total is $4,291 a year, a 22% discount worth $1,184. J.D. Power’s 2026 auto study ranked State Farm 659 in the Central region, 667 in the Northwest, and 669 in the Mid-Atlantic.
Estimated Savings: About $1,184 a year.
Ratings: AM Best A+ (Superior), downgraded from A++ in November 2025 on rising losses and catastrophe exposure. J.D. Power auto regional range: 632 to 669.
Best For / Skip If: Best for families who want one agent and a large discount. Skip if rating changes concern you, or if you live in California where State Farm scored 632.
Action Step: Request a bundled quote and ask whether your state offers the 22% average discount.
4. Nationwide: Balanced rates and a standout in the South and Midwest
How It Works: Nationwide has middle-of-the-road base rates in both lines and a solid 17% discount. It posted the study’s highest state-level discount, 43% in North Carolina.
Real Example: Auto averaged $2,908 and home $2,968. Bundled, the total is $4,887, saving $989. J.D. Power’s 2026 auto study put Nationwide at 684 in the North Central region, 685 in the Southeast, and 667 in Texas, and Nationwide ranked first in usage-based insurance for the third straight year.
Estimated Savings: About $989 a year.
Ratings: AM Best A (Excellent) for its property and casualty group. J.D. Power auto regional range: 612 to 685.
Best For / Skip If: Best for drivers in the Southeast and Midwest, and for safe drivers who want telematics. Skip in New York or the Mid-Atlantic, where scores fell below average.
Action Step: Compare Nationwide with and without its telematics program.
5. Amica: Top-rated for homeowners, pricey for auto
How It Works: Amica is a mutual insurer with the lowest home premium in the study and the best customer satisfaction among ranked home insurers. Its auto premium is the weakness.
Real Example: Home averaged $1,494 and auto $4,077, for a bundled total of $5,004 (10% off, $567 saved). Amica finished first in the 2026 J.D. Power home study for the second straight year, scoring 680, down 25 points, and led New England auto at 702.
Estimated Savings: About $567 a year; the real value is a cheap home policy with strong service.
Ratings: AM Best A+ (Superior). Top-ranked homeowners insurer in J.D. Power 2026.
Best For / Skip If: Best for homeowners who put service first. Skip the bundle if another insurer beats its auto price by more than $200 a year; split the policies instead.
Action Step: Get an Amica home quote, then compare a bundle with a split.
6. Allstate: Big discount, but a high auto base rate
How It Works: Allstate stacks a 17% discount on top of higher base auto rates, so the bundle saves a lot yet still costs more than the leaders. It leads Illinois and Chicago with 23% discounts.
Real Example: Auto averaged $4,660 and home $2,020, for a bundled total of $5,513 and savings of $1,167. J.D. Power gave Allstate 657 in California and 660 in New England.
Estimated Savings: About $1,167 a year, from a higher starting point.
Ratings: AM Best A+ (Superior). J.D. Power auto regional range: 612 to 660.
Best For / Skip If: Best for Illinois drivers and buyers who value local agents. Skip if you are price shopping; the total is mid-pack.
Action Step: Ask your agent to price the bundle with every available discount, including safe-driver and new-home.
7. Farmers: Largest dollar savings, high starting price
How It Works: Farmers delivers the biggest dollar savings because its separate premiums start high. A 19% discount takes a large bite out of both bills.
Real Example: Auto averaged $4,076 and home $2,781. Bundled, the total is $5,533, saving $1,324. J.D. Power rated Farmers 675 in Florida and 650 in the Southeast, but 558 in New York and 567 in New England.
Estimated Savings: About $1,324 a year, the most of any insurer studied.
Ratings: AM Best A (Excellent), affirmed in August 2025. J.D. Power auto regional range: 558 to 675.
Best For / Skip If: Best for Ohio and Phoenix-area buyers, where it leads. Skip in the Northeast, where satisfaction scores are weak.
Action Step: Quote Farmers if your current bundle is above $5,500, since savings are largest there.
8. Progressive: Great for auto alone, weakest bundle
How It Works: Progressive is known for low standalone auto rates, but its bundle discount is the smallest and its home premium is the highest in the study.
Real Example: Auto averaged $3,032 and home $4,186, so the bundle is $6,785, saving only $433 (6%). J.D. Power scored Progressive 604 to 645 across regions.
Estimated Savings: About $433 a year, the lowest of the eight.
Ratings: AM Best A+ (Superior). J.D. Power auto regional range: 604 to 645.
Best For / Skip If: Best as a standalone auto carrier paired with a cheaper home insurer. Skip its home product unless a quote beats others.
Action Step: Get Progressive for auto only, then price home separately.
Which bundle is best? Side-by-side comparison
| Insurer | Bundled avg per year | Saved (discount) | AM Best | J.D. Power auto range | Best for |
|---|---|---|---|---|---|
| Travelers | $3,989 | $472 (11%) | A++ | 584 to 657 | Lowest total |
| USAA | $4,048 | $337 (8%) | A++ | 707 to 763 (unranked) | Military families |
| State Farm | $4,291 | $1,184 (22%) | A+ | 632 to 669 | Big discount, service |
| Nationwide | $4,887 | $989 (17%) | A | 612 to 685 | South, Midwest, telematics |
| Amica | $5,004 | $567 (10%) | A+ | 702 in New England | Homeowner service |
| Allstate | $5,513 | $1,167 (17%) | A+ | 612 to 660 | Local agent, Illinois |
| Farmers | $5,533 | $1,324 (19%) | A | 558 to 675 | Largest dollar savings |
| Progressive | $6,785 | $433 (6%) | A+ | 604 to 645 | Auto-only policies |
Notes: Bundled averages and savings from Insure.com (Quadrant data, updated May 7, 2026). Auto scores from J.D. Power’s 2026 U.S. Auto Insurance Study as reported by Insurance.com (June 2026). AM Best letter grades are for each group’s main P&C companies; confirm current ratings at ambest.com.
Should you bundle or split your policies?
Not always. Insure.com notes that you can sometimes find a better deal by splitting home and auto across two insurers, especially if one is far cheaper on auto and another on home, or if you own an older or coastal home. Treat a gap of under $100 to $200 as a tie and take the convenience of one bill. Savings also vary widely by state: the same analysis estimates about $215 in Hawaii and $1,611 in Kansas.
| LEVEL UP: PICK YOUR SHOPPING LEVEL• Beginner: Ask your current insurer what its bundle discount is. Time: 10 minutes.• Pro: Get three bundled quotes and one split quote. Time: 1 hour.• Expert: Re-shop every year at renewal and drop the coverage you do not need. Time: 90 minutes a year. |
| THE 3-QUOTE CHALLENGE: Get three bundled quotes this week, then tag a friend who has never compared. Whoever finds the bigger savings wins bragging rights. Share your result with #NMFBundleChallenge. |
| QUICK WINS BOX• Total potential: about $337 to $1,324 a year depending on insurer (Insure.com averages).• Time investment: 45 to 90 minutes to gather quotes.• Difficulty: Easy.• Best for: homeowners with both policies at different insurers, or anyone who has not compared in two years. |
FAQ: Home and auto insurance bundles
Is it cheaper to bundle home and auto insurance?
Usually, yes. Bundling saves about 15% on average across major insurers, per Insure.com, and up to 25% at some, per Insurify. The bundle is not always cheapest, so compare it with a split quote.
Which company has the cheapest home and auto bundle?
Travelers had the lowest total bundled average at $3,989 a year in Insure.com’s May 2026 analysis, followed by USAA at $4,048. Your own quote will differ by state and profile.
Who gives the biggest bundle discount?
State Farm offered the largest percentage discount at 22%, and Farmers the largest dollar savings at $1,324 a year. Progressive’s was the smallest at 6%.
Can I bundle home and auto from different companies?
No, a bundle must be with one insurer, but you can split policies across companies and sometimes pay less. Compare both options.
Does bundling affect claims?
It does not change coverage, but a single claim event, such as a storm that damages your house and car, involves one insurer. Check the insurer’s J.D. Power satisfaction score and AM Best rating before you commit.
Sources
- Insure.com, Home and auto insurance bundle: Best companies and rates, updated May 7, 2026
- Insurance.com, J.D. Power best and worst car insurance companies, updated June 23, 2026
- AutoInsurance.com, J.D. Power 2026 Auto Insurance Study summary
- USAA Newsroom, J.D. Power 2026 U.S. Home Insurance Study
- Yahoo Finance, Amica ranked first in homeowners insurance, Sept 29, 2026
- Rates Chaser, J.D. Power 2026 Home Insurance Study, Sept 18, 2026
- Insurify, State Farm credit downgrade, Nov 2025
- AM Best via Business Wire, Nationwide ratings affirmed, Nov 7, 2025
- AM Best via Business Wire, Farmers Insurance Group ratings affirmed, Aug 1, 2025
- AM Best affirms Progressive’s A+ rating, 2026
- AM Best via Benzinga, Travelers ratings affirmed
- Real Cost Report, Homeowners insurance ratings (USAA, Allstate, Amica AM Best), updated July 21, 2026
- Insurify, Car Insurance Costs Climb in First Half of 2026, Aug 11, 2026
