Bundling your home and auto insurance with the same company is one of the most reliable ways to lower your total premium — insurers reward the extra business with a multi-policy discount, and you get the convenience of managing everything in one place. Bundling saves homeowners an average of around 15% annually, or a bit over $869 a year, though the exact discount varies significantly by insurer and state, with some carriers offering considerably more than others. Here’s how the top options compare in 2026.
Quick Answer: Best Home and Auto Insurance Bundles
| Company | Best For | Avg. Bundle Discount | Notes |
|---|---|---|---|
| State Farm | Best Overall Discount | ~22% | Largest agent network; advertises up to $1,429 in bundled savings |
| Erie | Best Price-Value | Varies by state | Top Price-Value Index score in independent analysis |
| USAA | Best for Military Families | Up to 10% | Deductible-free uniform coverage; free Wildfire Response Program |
| Liberty Mutual | Largest Average Savings Amount | Varies | Averages around $950/year in combined savings |
| Nationwide | Cheapest Bundled Cost Overall | ~15-19% | On Your Side Review — free annual coverage check-up |
| Westfield | Best Add-On Customization | Varies | Extensive optional coverage add-ons for both policies |
| Auto-Owners | Best for Older Homes | Varies | Strong claims handling; inland flood add-on available |
| Farmers | Best for Extra Auto Add-Ons | Up to 10% | New car replacement, accident forgiveness, rideshare coverage |
*Discounts and availability vary significantly by state, insurer, and individual risk profile — always confirm your actual bundled quote directly with the carrier.
How Home and Auto Bundling Actually Works
Bundling means buying more than one policy — most commonly home and auto — from the same insurance company, typically at a discounted rate on both. Insurers benefit from bundling because they retain more of your overall business, which is why the incentive to bundle is usually meaningful rather than symbolic. Beyond the discount itself, bundling often means:
- One point of contact for both policies, simplifying renewals, claims, and coverage changes
- Combined billing options, which can simplify budgeting
- Easier cross-policy adjustments — for example, updating your address once instead of separately for each policy
- Potential for adding more policies (umbrella liability, life insurance, renters or condo coverage) under the same multi-policy discount structure
State Farm — Best Overall Discount
State Farm posts one of the highest average bundle discounts in the industry, around 22%, and advertises bundled savings up to $1,429 depending on your specific policies and location. Combined with the largest local agent network of any major insurer, it’s a strong default choice for bundling home and auto coverage.
Pros:
- One of the highest average bundle discounts in the industry (~22%)
- Largest local agent network for in-person support
- Comprehensive standard coverage across both policy types
Cons:
- Individual policy pricing (before the bundle discount) is not always the cheapest starting point
- Rate increases have affected home insurance pricing in some states recently
Best for: Homeowners who want the largest available bundling discount alongside a familiar national insurer.
Erie — Best Price-Value
Erie earned the top spot in a recent independent Price-Value Index analysis, driven by competitive rates on both auto and home insurance plus strong customer satisfaction scores, making it a standout option where it’s available.
Pros:
- Top Price-Value Index score in independent analysis
- Strong customer satisfaction across both policy types
- Competitive standalone rates even before the bundle discount
Cons:
- More limited state availability than the largest national carriers
- Sold through independent agents, requiring a bit more shopping effort
Best for: Homeowners in Erie’s operating states who want the strongest overall value, not just the biggest discount percentage.
USAA — Best for Military Families
USAA’s bundled policies include benefits specifically tailored to military life, including deductible-free coverage for uniforms and personal property damaged due to war, up to 15% savings on auto insurance for garaging your car on base, and a free Wildfire Response Program in high-risk Western states.
Pros:
- Military-specific benefits built into bundled policies
- Free Wildfire Response Program for eligible high-risk homes
- Replacement cost coverage included on homeowners policies
Cons:
- Membership eligibility limited to military-affiliated households
- Bundle discount (up to 10%) is more modest than some non-membership competitors
Best for: Eligible military members, veterans, and their families who want benefits specifically designed around military life.
Liberty Mutual — Largest Average Savings Amount
Liberty Mutual offers one of the largest average bundling savings in dollar terms — around $950 a year — including a discount just for being a homeowner, even before factoring in the multi-policy bundle itself.
Pros:
- Largest average dollar savings among major insurers in recent comparisons
- Additional discount simply for being a homeowner
- Wide availability across most states
Cons:
- Percentage-based discount may be less than State Farm’s in some cases, even if dollar savings are competitive
- Individual policy pricing before discounts can run higher than budget competitors
Best for: Homeowners who want to maximize total dollar savings, not just the discount percentage.
Learn more in our guide to Best Home Insurance Companies of 2026
Nationwide — Cheapest Bundled Cost Overall
Nationwide has posted the cheapest overall bundled home and auto cost among insurers evaluated in a recent independent analysis, combining affordable base rates with a bundling discount of up to 15-19%. It also offers a free annual coverage review to help ensure you’re not over- or under-insured as your situation changes.
Pros:
- Cheapest overall bundled cost in recent independent comparisons
- Free annual policy review (On Your Side Review)
- Broad availability, though not in every state
Cons:
- Not available in Alaska, Louisiana, or Massachusetts for auto insurance, and a few additional states for home insurance
- Individual coverage customization is less extensive than specialty insurers like Westfield
Best for: Budget-focused homeowners who want the lowest total bundled cost alongside a proactive annual coverage check-in.
Westfield — Best Add-On Customization
Westfield stands out for offering an extensive selection of add-on coverage options across both home and auto policies, letting homeowners and drivers customize their bundle more precisely than many competitors, backed by a strong overall Price-Value Index score.
Pros:
- Extensive add-on coverage options for both home and auto
- Strong Price-Value Index score reflecting reasonable rates and low complaints
- Solid regional reputation, particularly for rural properties
Cons:
- More limited state availability than national carriers
- Sold through independent agents rather than direct online quotes
Best for: Homeowners who want to customize their bundled coverage extensively rather than accepting a standard package.
Auto-Owners — Best for Older Homes
Auto-Owners combines strong marks for claims handling with one of the more unique home insurance features on this list — an optional inland flood coverage add-on — making it a solid bundling option specifically for owners of older homes who also want flood protection without a fully separate policy.
Pros:
- Strong claims handling reputation backed by independent surveys
- Optional inland flood add-on, uncommon among bundling insurers
- Competitive for older homes specifically
Cons:
- Only available in 26 states
- Typically requires speaking with an agent rather than getting an instant online quote
Best for: Owners of older homes who want strong claims service and the option to add flood coverage to their bundle.
Farmers — Best for Extra Auto Add-Ons
Farmers offers a strong lineup of optional auto insurance add-ons — including new car replacement, accident forgiveness, custom equipment coverage, and rideshare insurance — alongside a bundling discount of up to 10% on each policy, making it a good fit for drivers who want more auto-specific customization within their bundle.
Pros:
- Strong lineup of optional auto insurance add-ons
- Bundling discount applies to each policy (up to 10% per policy)
- Comprehensive home insurance coverage options
Cons:
- Bundle discount percentage is more modest than State Farm’s or Erie’s in some states
- Pricing can run higher than budget-focused competitors like Nationwide
Best for: Drivers who want extensive auto insurance customization (rideshare, new car replacement, accident forgiveness) as part of their bundle.
How We Chose These Companies {#how-we-chose}
InsureAtlas’s rankings are based on publicly available information: each carrier’s disclosed average bundling discount, published rate comparisons across large samples of home and auto policies, third-party financial-strength ratings (AM Best), and independent consumer satisfaction surveys. No insurer can pay to appear higher on this list, and our rankings are not based on affiliate commission rates. Because bundling discounts and total costs vary enormously by state, individual risk profile, and the specific combination of coverage you need, we recommend getting a personalized bundled quote from at least two or three carriers before deciding.
How to Get the Most Out of Bundling
Compare the bundled total, not just the discount percentage. A smaller discount on lower base rates can beat a larger discount on higher base rates — always compare the final bundled price across insurers, not the advertised percentage alone.
Ask what else can be added to the bundle. Many insurers extend multi-policy discounts to umbrella liability policies, life insurance, and renters or condo coverage — worth asking about if you have other policies elsewhere.
Don’t assume bundling is always cheaper. In some cases, particularly with lower auto insurance risk profiles or unusual home insurance needs, buying home and auto from separate specialized insurers can still come out cheaper than a bundle — it’s worth comparing both approaches.
Revisit your bundle periodically. Insurers occasionally offer better rates to new customers than existing ones — an annual review (like Nationwide’s On Your Side Review) or a periodic re-shop can help ensure your bundle is still competitive.
Confirm both policies actually meet your needs individually. Don’t sacrifice adequate coverage on either policy just to maximize a bundling discount — make sure both your home and auto coverage amounts are appropriate on their own merits first.
Frequently Asked Questions
How much can I actually save by bundling home and auto insurance? On average, bundling saves around 15% annually, or a bit over $869 a year, though the specific discount ranges from roughly 10% to 22%+ depending on the insurer, and total dollar savings depend on your individual policies.
Is bundling always cheaper than buying separate policies? Not always. While bundling usually results in savings, it’s still worth comparing a bundled quote against separately shopped, specialized insurers for home and auto — occasionally a combination of two different companies ends up cheaper than one insurer’s bundle.
Can I bundle more than just home and auto insurance? Often, yes. Many insurers extend multi-policy discounts to additional coverage like umbrella liability policies, life insurance, renters insurance, or condo insurance — ask your insurer what else qualifies for the discount.
Do I have to use the same insurance agent for both policies to get the bundle discount? Typically you need both policies with the same insurance company, though whether that’s through the same agent or different agents at the same company can vary — confirm with your specific insurer.
What happens to my bundle discount if I cancel one of the policies? You’ll generally lose the multi-policy discount on your remaining policy once you’re down to a single policy with that insurer, so factor this in if you’re considering switching just your auto or just your home coverage elsewhere.
Bottom Line
State Farm offers the largest average bundle discount percentage, while Erie and Nationwide stand out for overall value and the lowest total bundled cost, respectively. USAA remains the strongest option for eligible military families thanks to its tailored benefits, and Farmers or Westfield are worth a look if extensive add-on customization matters more to you than the headline discount number. Whichever insurer you’re considering, get a real bundled quote rather than relying on advertised averages — your actual savings depend heavily on your specific home, vehicle, location, and driving record.
This article is for general informational purposes only and does not constitute financial, legal, or insurance advice. Coverage availability, rates, and bundling discounts vary by state, insurer, and individual risk profile, and are subject to change. Always confirm current policy details directly with the insurance company or a licensed agent before purchasing.