5 Best Home and Auto Insurance Bundles

One of the top house and vehicle insurance providers should be at your side in the worst case scenario to replace any destroyed property, shield you from responsibility, and pay for related medical costs. Bundling your home and auto insurance with the same provider can be a convenient and cost-effective solution to save money if you own both a car and a property.

Every house and car insurance provider has a separate policy feature set, policy premium, bundle discount, and so on. Continue reading to discover which package best suits your needs and to find out how well regarded each company is by J.D. Power and AM Best. You can tell a lot about the insurers’ financial stability and customer satisfaction levels based on these numbers.

Our Top Picks for Best Home and Auto Insurance Bundles

  • Farmers – Best for Discounts
  • Progressive – Most Affordable
  • AARP – Best for Retirees
  • USAA – Best for Military Members and Veterans
  • State Farm – Best for Bundle Discount

Best for Discounts: Farmers

Why it was our choice: Although Farmers offers several reductions that few other insurers do, its rates aren’t the lowest on the market.

While most insurance companies offer a discount for combining home and auto insurance, Farmers goes above and beyond by offering a staggering 22 automobile insurance discounts (far more than what other companies offer) in addition to many discounts tailored just for homeowners insurance.

Discounts can be obtained by switching to paperless billing, abstaining from smoking, or even by making on-time premium payments. In addition, Farmers provides discounts to individuals working in specific professions, including as educators, physicians, law enforcement, and the armed forces.

In addition to house and vehicle insurance, the company lets customers combine plans for life, umbrella, small business, and specialty insurance.

Bundling your home and auto insurance plans with Farmers can save you, the insurer claims, an average of 20%. But not everybody offers home and vehicle bundles; for example, Farmers does not provide house and auto insurance in West Virginia, Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, or Alaska.

Most Affordable: Progressive

Why it was our choice: Progressive is on this list because of its great prices, which are especially cheap for young drivers in high school and college, even if its package discount for current customers is smaller than that of many other insurers.

The company offers an excellent student discount for students who maintain a B average throughout the academic year, as well as a remote college student discount for drivers 22 and under who travel more than 100 miles to campus, if you require insurance for your complete family.

Progressive offers several options to help you reduce your premiums, such as a tool for comparing quotations and a drive-monitoring program that incentivizes drivers to drive safely. You can enter your budget and select plans that meet your needs by using the company’s Name Your Price option.

Progressive claims that new customers who transfer to Progressive can save more than 20%, while current customers who combine house and vehicle insurance save an average of 4%—much less than what many other providers offer. The savings is applied to your motor insurance.

Furthermore, although this is viewed negatively by some, Progressive depends on a network of other companies to underwrite its house insurance policies rather than doing so itself.

Best for Retirees: AARP

The reason we choose it is that AARP provides services to individuals 50 years of age and above, in addition to offering members access to exclusive benefits and discounts. When AARP members combine their auto and home insurance, they can save up to 20% on their homeowners insurance.

For those over 50, AARP offers a house and auto insurance policy in collaboration with The Hartford. AARP members enjoy additional benefits and savings, but non-members can still get house and auto insurance from The Hartford through independent insurance agents.

AARP offers home and vehicle bundles that contain special coverage such as green rebuilding, which raises your homeowners policy limits by up to 10% to cover ecologically responsible home repairs, and new car replacement, which pays you if your new automobile is totaled. But not all states offer coverage, and complaints about AARP’s auto insurance are higher than usual.

Best for Military Members and Veterans: USAA

Why it was our choice: Because it provides house and auto insurance for active military, veterans, and qualifying family members, USAA is ranked among the best providers of insurance for both vehicles and homes.

When purchasing house insurance in addition to auto insurance, USAA members who currently have an active policy can save up to 10% on their overall cost. Even while this reduction isn’t as large as what many other businesses are willing to give, USAA generally offers cheap rates that can still result in significant savings.

With a high customer satisfaction score of J.D. Power, USAA provides a range of benefits tailored to the needs of military personnel. These consist of living on a military installation discounts as well as compensation for uniform and equipment expenditures.

Best for New Customers: State Farm

Why it was our choice: A substantial average annual savings of $1,073 per household is reported by State Farm for new customers who combine their auto and home insurance. Outstanding customer satisfaction scores from J.D. Power attest to State Farm’s exceptional customer service, especially with regard to its vehicle claims procedure.

While certain popular add-ons, such as accident forgiveness, are not provided by State Farm, others, like roadside assistance and reimbursement for rental cars, are. It’s also one of the top high-risk auto insurance providers for inexperienced drivers and those with a history of DUIs.


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