10 Best Companies for Bundling Home and Auto Insurance in 2024

The best companies for bundling home and auto insurance are Progressive, Geico, and State Farm, offering competitive rates, affordability, comprehensive coverage, and excellent multi-policy discounts.

These top providers excel in affordability, offering comprehensive protection, significant multi-policy discounts, and exceptional customer service.

Our Top 10 Picks: Best Companies for Bundling Home and Auto Insurance

Bundling home and auto insurance with these companies ensures you get the best coverage while simplifying policy management.

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#1 – Progressive: Top Overall Pick

Pros

• Name Your Price Tool: Prospective customers can use Progressive’s Name Your Price tool to find coverage that aligns with their monthly budget.
• Snapshot Program: Progressive auto insurance review highlights the Snapshot program, showcasing discounts awarded for safe driving.
• Online Quotes: Easily obtain an auto insurance quote from Progressive online with just a few simple steps.

Cons 

• Rate Increases Following an Accident:  Progressive auto insurance details potential rates for drivers with accidents on their records. 
• Snapshot Risk: Although the program can earn drivers a discount for good performance, enrolling in Snapshot might result in higher rates if driving behavior is deemed risky.

#2 – Geico: Best for Low Deductibles

Pros 

• Low Deductibles: Auto insurance deductibles start as low as $250, saving you out-of-pocket costs when filing a claim. 
• Affordable Rates for Safe Drivers: Geico offers competitive premiums for safe drivers.
• Extensive Discounts Available: Geico auto insurance discounts showcase a wide range of savings opportunities, highlighting how customers can save significantly.

Cons

• No Gap Coverage Available: Lack of gap coverage leaves customers financially vulnerable when leasing or financing a vehicle. 
• Higher Rates for Drivers With a DUI: Drivers with a history of DUIs see significantly higher premiums.

#3 – State Farm: Best for Complete Coverage

Pros

• Complete Coverage: State Farm auto insurance review highlights how State Farm showcases insurance options tailored to individual needs, offering coverage ranging from state minimums to comprehensive plans.
• Stellar Reputation: State Farm auto insurance boasts top ratings in customer service, claims processing, and coverage quality.
• Convenient Mobile App: The State Farm app streamlines tasks like claim filing, payments, and policy tracking for user convenience.

Cons

• Limited Add-Ons: State Farm lacks options like new vehicle replacement, vanishing deductibles, and accident forgiveness.
• Higher Rates for Poor Credit: Drivers with poor credit may face higher insurance premiums with State Farm.

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#4 – Allstate: Best for Financial Stability

Pros

• Financial Stability: Allstate auto insurance review highlights the company’s strong financial foundation, showcasing its reliability and capability to pay out claims.
• Drivewise Program: Drivers who utilize Drivewise can potentially save up to 40% on their insurance premiums.
• Extensive Agent Reach: With one of the largest networks of local agents nationwide, Allstate ensures convenient access to support.

Cons

• Customer Service Variability: Customer service experiences can vary, with some customers reporting inconsistent support.
• Mixed Customer Reviews: Despite its expansive presence, Allstate receives below-average ratings in customer satisfaction surveys.

#5 – Farmers: Best for Safety Discounts

Pros

• Safety Discounts: Safe drivers can save big with Farmers, thanks to its discounts, including its telematics program Signal.
• User-Friendly Technology: Farmers auto insurance review highlights the user-friendly design of their website and mobile app, showcasing how easy it is to manage policies and file claims.
• Several Ways to File Claims: You can initiate a claim online, through the app, or by dialing the Farmers auto insurance claims phone number.

Cons

• Higher Than Average Rates: Farmers has above-average premiums for both full and minimum coverage policies. 
• Limited State Availability: While Farmers provides car insurance in most states, it’s unavailable in Alaska, Hawaii, Delaware, New Hampshire, Maine, Rhode Island, West Virginia, Vermont, and Washington D.C.

#6 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Nationwide auto insurance review highlights the Vanishing Deductible program, which showcases a $100 reduction in deductibles each year.
• On Your Side Review: Nationwide conducts annual On Your Side reviews to prevent ensure policyholders are not paying more than necessary for their insurance needs.
• Pay-Per-Mile: Nationwide offers a pay-per-mile coverage option suitable for infrequent drivers.

Cons

• Limited Availability: Nationwide Auto Insurance is not available in all states, which may limit accessibility for some potential policyholders.
• High Accident Rates: Policyholders with a history of accidents may face higher premiums from Nationwide Auto Insurance due to increased risk factors.

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#7 – Liberty Mutual: Best for Optional Coverage

Pros

• Optional Coverage: Liberty Mutual auto insurance review highlights include optional coverage options that showcase benefits such as roadside assistance, new car replacement, and better car replacement.
• Deductible Rewards: Liberty Mutual provides deductible rewards, lowering deductibles for each claim-free policy period.
• Nationwide Coverage: Liberty Mutual offers customizable policies across all 50 states and Washington, D.C.

Cons 

• High Monthly Average Rates: Liberty Mutual’s full coverage premiums tend to be higher compared to other insurers.
• Average Customer Service Ratings: While Liberty Mutual reviews are generally positive, some complaints relate to high rates and customer service issues.

#8 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Rewards: American Family incentivizes long-term policyholders with a variety of rewards and discounts, fostering customer loyalty and appreciation.
• Extensive Coverage Options: American Family provides an array of coverage options designed to accommodate diverse needs.
• Strong Financial Stability: American Family auto insurance review highlights the company’s high financial rating, showcasing its stability and reliability.

Cons

• Unfavorable Claims Handling Reviews: A number of customers have reported difficulties and frustrations with American Family’s claims handling process.
• Limited Coverage Area: American Family’s insurance coverage is restricted to only 19 states, limiting its availability.

#9 – Travelers: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: Travelers offers extensive auto insurance options designed to cater to a wide range of coverage needs and preferences.
• Driver Discounts: Travelers Auto insurance review highlights discounts that reward safe driving habits, loyalty, and other factors, showcasing how these benefits make quality insurance coverage more affordable.
• Strong Financial Standing: Travelers’ strong financial standing is underscored by its A++ rating from A.M. Best, reflecting the company’s stability and reliability.

Cons

• Rate Increases for Poor Driving Habits: Drivers should be cautious when enrolling in Travelers’ IntelliDrive Program, as poor driving habits could result in higher premiums.
• Limited Rideshare Coverage Availability: Travelers’ rideshare insurance is only accessible in two states.

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#10 – The Hartford: Best for Exclusive Benefits

Pros 

• AARP Membership Benefits: The Hartford auto insurance review highlights the free benefits provided exclusively for AARP members, showcasing an enhanced auto insurance experience.
• Superior Customer Satisfaction: The Hartford’s excellent ratings for customer satisfaction reflects its commitment to providing exceptional service.
• Affordable Rates for Seniors: The Hartford provides low insurance rates tailored for older drivers, ensuring cost-effective coverage options.

Cons

• Elevated Complaint Volume: Despite its strengths, The Hartford receives a higher volume of customer complaints regarding its auto policies compared to other insurers.
• Surcharge for Speeding Tickets: The Hartford may impose higher rates for policyholders with speeding tickets, impacting their overall insurance costs. 

Discover the Leading Insurance Providers for Bundling Home and Auto Policies

Many insurance companies offer discounts for bundling home and auto policies. Some of the top providers include Progressive, Geico, State Farm, Allstate, Farmers, Nationwide, Liberty Mutual, American Family, Travelers, and The Hartford.

These major players in the insurance industry provide comprehensive coverage and competitive rates, making it easier and more affordable to protect both your home and vehicle.

When it comes to deciding which is the best insurance company for home and auto, that will all depend upon your personal preference and your unique situation. Because of this, you should always compare at least three quotes online to make sure you are getting the best deal for yourself.

Auto Insurance Monthly Rates by Coverage Level & Provider

Monthly auto insurance rates by coverage level and provider. For minimum coverage, rates range from $30 with Geico to $68 with Liberty Mutual. For full coverage, rates vary from $80 with Geico to $174 with Liberty Mutual.

Other notable providers include State Farm, Progressive, Nationwide, Allstate, American Family, Farmers, The Hartford, and Travelers, offering a range of options to suit different needs and budgets.

These rates will of course vary from driver to driver depending on a multitude of personal factors like your credit score, your address, your vehicle type, and on the level of multi-policy discount you are offered.

Simplifying Coverage and Maximizing Savings

Getting coverage with an insurance company that bundles multiple policies is easy, especially when shopping online. You can create bundles like auto and home insurance, auto, home, and life insurance, boat and auto insurance, or auto, home, and personal liability, depending on your needs. To gain further insights, consult our comprehensive guide titled “Bodily Injury Liability (BIL) Auto Insurance.”

Once you’ve found the perfect policy, you’ll need to finalize your purchase and contact your current insurance company to cancel your policy. When setting up a start date for your new policy and an end date for your old policy, make sure that there will be no lapse in coverage.

Having a lapse in insurance coverage can negatively affect your rates. You may need your new insurance company to send over a cancellation letter to you previous insurance company with your new policy number, but that doesn’t require any work on your end.

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Unlocking the Secrets to Securing the Best Insurance Rates

Saving money is on everyone’s minds these days, and the insurance information institute reports that bundling your insurance policies is the best way to save on your insurance rates, but you can also use other strategies to keep costs low. For additional details, explore our comprehensive resource titled “What is the average auto insurance cost per month?”

Common Auto Insurance Discounts

Be sure to set aside some time so you can review your policy whenever it is up for renewal. Keeping your policy up-to-date is a simple, yet effective, way to make sure that you are not paying for anything you no longer need like a vehicle that you recently sold.

Annually compare quotes from other companies to ensure you’re getting the best deal and coverage. Also, ask about any auto insurance discounts you might qualify for, such as those for your vehicle’s safety features or your child’s good grades, which could save you money.

Case Studies: Real Experiences With Bundling Home and Auto Insurance

Bundling home and auto insurance policies has emerged as a smart strategy to not only simplify policy management but also to unlock significant savings and comprehensive coverage.

• Case Study #1 – The Johnson Family’s Journey to Comprehensive Coverage: The Johnsons streamlined their insurance by bundling home and auto policies with Progressive, saving 20% on premiums and enjoying comprehensive coverage and excellent customer service.
• Case Study #2 – Young Professional’s Path to Affordable Protection: Lisa, a young professional on a tight budget, needed affordable insurance for her new car and condo. By choosing Geico’s home and auto bundle, she saved $400 annually and enjoyed excellent coverage and customer support.
• Case Study #3 – Retiree Couple’s Secure Transition: Tom and Janet downsized their home and bundled their insurance with State Farm, saving 15% on premiums and ensuring their assets were protected. State Farm’s seamless policy management and strong financial ratings provided peace of mind.

Each story underscores how different individuals and families achieved significant savings, enhanced coverage, and simplified policy management by selecting the right insurance provider. To learn more, explore our comprehensive resource titled “What is full coverage auto insurance?”

Whether you’re a young professional, a retiree, or an entrepreneur, bundling your insurance policies offers financial advantages and peace of mind.

What You Need to Know: Auto Insurance Companies Offering Home and Auto Bundles

If you already own a car and are about to purchase a boat or are thinking of getting personal liability insurance, you’ll need a well-rounded auto insurance company; auto insurance companies that don’t bundle home and auto won’t be of much good to you.

When you buy auto insurance, companies that bundle home and auto, like USAA, State Farm, and Travelers, can provide comprehensive coverage and multi-policy discounts. Review your policies annually to maximize your savings. To delve deeper, refer to our in-depth report titled “How to Save Money by Bundling Insurance Policies.”

See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool below.

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