Bundle Home and Auto Insurance: Save With Discounts

Some insurers offer savings of up to 25% for customers who purchase two or more insurance policies.

Updated February 1, 2023

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Your insurance premiums are based on many different factors, including the type of insurance, your location, and your policy limits. In most cases, these premiums are cheaper if you purchase two or more insurance products from the same company. This is called policy bundling.

Bundling your insurance policies can often help you save between 5% and 25%. However, the actual savings will vary based on your insurer.

The most common policies to bundle are auto and home insurance, but you can often find savings by bundling other policies.

Key Takeaways:

  • Bundling a home and auto insurance policy means you’ve purchased both policies from the same insurer.

  • You can usually get a discount for bundling auto and home insurance coverage.

  • Depending on the insurer, bundling discounts range from 5% to 25%.

Bundling home and auto insurance

Home insurance covers the physical structure of your home and your personal property from potential perils, like theft, weather-related damage, and fires. Standard homeowners insurance policies also include personal liability, medical payments, and loss of use coverage.

When you experience a covered loss, you can file a claim with your home insurance company to get reimbursed for the repairs. If your home is destroyed in a covered loss, your insurance company will provide a payout based on your home’s replacement cost, which can be used to rebuild your house.

Car insurance, on the other hand, specifically protects your vehicle. At a minimum, car insurance covers your liability when you cause an accident and the other driver suffers bodily injuries or property damage (like a cracked bumper). You can also buy optional policies that provide physical damage coverage for your car, like collision insurance.

If your car is damaged in an accident or other unexpected event, you can file a claim with your insurance company to get reimbursed for your vehicle’s repairs. If your car is totaled or stolen, your insurance company will compensate you, based on the actual cash value (ACV) of your car.

When you get a home and auto insurance bundle, you’re purchasing both policies from the same insurance company. Most insurance providers offer a bundling discount as an incentive for you to spend money with them on multiple policies.

Benefits of home and car insurance bundles

Bundling a home and car insurance policy has a few benefits, including:

  • Discounts: “Many multi-line insurers will offer significant cost savings when purchasing both auto and home insurance through the same insurer,” says Adam Pichon, vice president and general manager of auto and home insurance for LexisNexis Risk Solutions. “Discounts vary widely by insurer, ranging from single-digit discounts to discounts in excess of 20%.”

  • Easier policy management: When you bundle an auto and home insurance policy, you’re only dealing with one insurance company. If your insurer offers online or mobile policy management, all your policy information can be managed in one place. You might also be able to work with a single agent.

  • Payment convenience: Bundling a home and auto insurance policy often means you only have one premium payment each month. It’s easier to remember to pay your insurance bill, and it limits the number of payments you have to make.

See More: Top 12 Home Insurance Discounts and Savings: Guide on How to Qualify

Best home and auto insurance bundling discounts

Some of the top insurance companies offer generous discounts for bundling home and auto insurance policies. Here are some of the best policy bundle discounts you can get.


Progressive has a generous bundling discount for new customers. If you’re switching to Progressive from another insurer, the average bundling savings is over 20% when you purchase auto and home insurance policies. For existing customers, the average bundling discount is 4%.

Once you purchase a home insurance policy, you’ll automatically receive a discount on your auto insurance policy. Progressive also allows customers to bundle any two policies together to get a discount.


Allstate’s average bundling discount for home and auto insurance is 25%. You can also get a discount for bundling your auto insurance with condo or renters insurance. And you can purchase a bundle with motorcycle insurance and renters insurance.

If you want to see how much you could save with an auto and home bundle from Allstate, it’s easy to get a quote online. Allstate also offers a variety of home and auto insurance discounts that could help you save even more.


GEICO provides a discount to customers who bundle auto insurance and homeowners, renters, condo, motorcycle, or mobile home insurance. However, the website doesn’t list the average savings for any of the bundles. To find out how much you could save, get a bundle quote on GEICO’s website with the policies you want to purchase.

An important thing to know about GEICO is that it doesn’t underwrite its own home insurance policies. When you get a quote, GEICO matches you with one of its affiliates, like Chubb or Liberty Mutual.

State Farm

State Farm is the largest underwriter of home and auto insurance policies in the country.[1] It’s also one of the best insurance companies for policy bundling. When you combine home and car insurance policies from State Farm, you can save up to $1,127, according to its website.

State Farm also offers bundles for different types of policies. This allows you to bundle your car insurance with a life, home, condo, or renters insurance policy to qualify for a discount.


Nationwide offers comprehensive home and auto insurance policies and generous discounts. Customers can save an average of $646 on a home and car insurance bundle. There’s also a discount available for bundles of auto and renters insurance.

In addition, Nationwide makes it easy to get a quote for bundled policies online. When you visit the home page, find the quote button and select “auto and home” from the drop-down menu. You can also contact an agent in your area to get a customized rate quote over the phone.


USAA is a top-rated company that exclusively sells insurance coverage to military personnel, veterans, and their immediate family members. If you qualify, you can take advantage of USAA’s robust insurance policies and discounts for potential savings.

USAA offers a discount for customers who bundle a homeowners or renters insurance policy with an auto insurance policy. However, the discount is only 10%, which is lower than many of the other companies listed here. Bundling quotes are available online, but you must be an existing customer or have appropriate military credentials to complete the quote process.

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Other bundling options

While bundling auto and homeowners insurance policies is generally the most common, many insurance companies offer bundles for other policies, too.

Here are some of the bundles you can often find from major insurance companies:

Auto and renters insurance

Renters insurance protects your personal belongings when you rent a house or apartment. Renters insurance also includes personal liability insurance, medical payments coverage, and loss of use insurance.

Many insurance companies will give you a lower premium if you purchase car and renters insurance policies as a bundle. This not only helps you save money but also makes it easier to manage your policies.

Motorcycle and renters insurance

If you drive a motorcycle, you need a motorcycle insurance policy. Basic car insurance policies don’t cover motorcycles.[2] Motorcycle insurance provides many of the same coverages as regular auto insurance but includes more tailored coverage for your bike, as well as guest liability insurance for a passenger’s injuries.[3]

If you need to insure your motorcycle and your apartment, you might be able to get a bundling discount for motorcycle and renters insurance, depending on the insurer you choose. Because this bundle is not available from all insurance companies, it pays to shop around to see which insurers offer it.

Car, home, and life insurance

Life insurance provides a death benefit to a beneficiary of your choosing when you pass away. Several different types of life insurance are available, including term life, whole life, and final expense life insurance.

Some insurance companies offer a multi-policy discount when you combine an auto insurance, home insurance, and life insurance policy. Bundling three policies could help you save a significant amount of money, especially if you can claim additional discounts. Nationwide is one of the companies that offer this type of bundle.

How to shop for car and home insurance bundles

The process of shopping for an auto and home insurance bundle is pretty simple. Here are the steps you should follow to find the best deal:

  1. Research insurance companies. Before you purchase an insurance bundle, you should research the insurance companies that offer the bundle you want. While most insurers sell auto and home insurance bundles, you might have to look harder to find insurers that offer motorcycle and home insurance bundles, for example.

  2. Evaluate bundling discounts. Although many insurers offer multi-policy discounts, the average savings can vary. For example, new Progressive customers can save over 20% for bundling auto and home insurance, but USAA’s discount is only 10%. See which insurers have the biggest bundling discounts so that you save the most money.

  3. Apply for bundle quotes. The next step is to start getting bundle quotes. Make sure to be consistent with the types and amounts of coverage you’re applying for to get the most accurate rate estimates. Aim to get quotes from at least three different insurance companies.

  4. Compare quotes. Compare your bundling quotes to see which insurance company can offer you the lowest rate. Your quotes should reflect the bundling discount as well as other discounts you’re able to claim, like a pay-in-full discount or claim-free driver discount.

  5. Purchase coverage. The final step is to choose the best bundle for your needs and purchase the policies. Keep your insurance documents somewhere safe and accessible. If you’re purchasing a home and auto insurance bundle, don’t forget to put a copy of your proof of insurance in your vehicle.

Read More: 10 Best Home Insurance Companies

More ways to save on insurance

Policy bundling is a great way to save money on your insurance. However, you have several other ways to lower your premium, including:

  • Finding other discounts: In addition to bundling discounts, most insurance companies also offer discounts for auto and home insurance individually. For instance, you can typically get a lower rate for having no claims, paying in full, enrolling in automatic payments, and insuring a new home or a new vehicle.

  • Improving your credit: In most states, your credit affects your insurance premiums. By improving your credit score, you could lock in a lower rate for your home and auto policy.

  • Raising your deductibles: Some car and home insurance policies have deductibles, which get subtracted from your payout after a claim. If you choose a higher deductible, your monthly payment will be lower.

  • Shopping around: To find the most affordable policies for your situation and coverage needs, it’s a good idea to shop around and compare multiple quotes. You can use a quote-comparison platform to save time.

See Also: Selecting a Home Insurance Deductible

Bundling home and auto insurance FAQs

Here are answers to some commonly asked questions about home and auto insurance bundles.

  • A home and auto insurance bundle simply means you have purchased a home insurance policy and an auto insurance policy from the same insurer. Most insurance companies offer a discount to customers who bundle their auto and home insurance.

  • You can typically save between 5% and 25% on an insurance bundle. However, every insurance company offers different savings.

  • The cheapest homeowners insurance and car insurance depend on a variety of factors, like your location, coverage limits, claim history, and driving record. To find the cheapest insurance providers for your situation, you should compare quotes from several insurers.

  • You can usually cancel one of the policies in a bundle. “However, that discount will likely be removed, causing the premium to rise,” says Pichon. “This generally occurs at the next policy renewal but may have an impact as soon as one policy is canceled.”

  • Yes, most insurance companies allow you to purchase another policy at a later date and still get the bundling discount. However, some insurance providers might not allow this, so it’s best to check with your provider for their bundling requirements.

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  1. National Association of Insurance Commissioners. "Property and Casualty Insurance Industry." Accessed January 28, 2023
  2. National Association of Insurance Commissioners. "What You Should Know About Auto Insurance Coverage." Accessed January 28, 2023
  3. Insurance Information Institute. "Motorcycle Insurance Find the right insurance coverage for your bike." Accessed January 28, 2023
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com