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Compare home and auto insurance bundles

Save up to 30% by combining car and home insurance with the same company

Most of the time, you can get steep savings and convenience from packaging up these top insurance needs. But there are instances when bundling may not work for you, like when you could save more with separate policies.

How much can I save by bundling auto and home insurance?

You can typically save up to 30% off car insurance and up to 20% off home insurance by bundling home and auto. However, the exact savings depends on the insurance company.

What are the best home and auto insurance companies for bundling?

If you’re looking for the best blend of savings for bundling home and auto insurance, low overall rates and helpful customer service, start comparing quotes with these companies:

Best overall: Amica

Best overall: Amica

Roadside assistance

New car protection

Accident forgiveness
Hands down, Amica balances a high discount for bundling policies with highly rated customer service. What to expect with this top insurance option:
Up to 30% off. You could save as much as 30% off your premiums by combining home and auto insurance under this one company.
A host of options. You're bound to get your insurance needs covered with a variety of discounts, SR-22s for car insurance and high dwelling coverage for your home.
Dividends. One benefit of working with this mutual company is the potential dividend payouts at the end of your policy's term.
States served Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Roadside assistance Optional
Pay schedule 6 months, monthly
Claims methods online, email, phone
New car protection Yes
Accident forgiveness Yes

Highest bundling discounts: American Family

Roadside assistance

New car protection

Accident forgiveness
The savings potential is high with American Family's steep bundling discounts, plus over a dozen other discounts you might qualify for. What to enjoy from this company:
Savings. American Family knocks nearly 30% off your car insurance and another 20% off home insurance for bundling the two together.
Many safe driver opportunities. Whittle your premiums down further through the company's telematics programs, claims-free discounts, defensive driving courses or young driver program.
Local agents. Get the personal touch of a local agent helping you through every step of your car and home policy needs.
States served Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, Wisconsin
Roadside assistance Optional
Pay schedule 12 months, monthly, custom
Claims methods online, phone
New car protection Yes
Accident forgiveness Yes

Best discounts off already low rates: Geico

Roadside assistance

New car protection

Accident forgiveness
Geico stands by its claim for low car insurance premiums, while encouraging you to buy home insurance through one of its partners.
Low average rates. Geico offers some of the lowest premiums available for a wide number of drivers and homeowners alike.
Easy car insurance claims. The company streamlines its claims process with online filing, and your claims adjuster can walk you through your car's repairs step by step.
Matches you with the best home insurance partner. Geico uses your customer profile to match you with the right home insurance company for your needs.
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, custom
Claims methods Online, Phone, Agent
New car protection
Accident forgiveness Yes

How we picked companies with the best home and auto bundles

To find the best balance of coverage, savings and customer support, we looked at insurance companies that balanced a high bundling discount and low standard premiums. Then, we considered companies with the highest Finder star ratings and factored in each company’s customer ratings from the Better Business Bureau and Trustpilot.

What other companies offer auto and home insurance bundles?

While you might start with the best companies available, you might compare other companies with steep bundling discounts too. Those may include:
ProviderPartnersAuto and home bundle discount
AllstateCastle KeyUp to 25%
AmicaN/AUp to 30%
American FamilyN/A29% for car, 20% for home
ElephantHomesite6% to 9%
FarmersForemostUp to 10%
GeicoAIG, American Modern, Arrowhead, Bay City Underwriters, Berkshire Hathaway Specialty Insurance, Cabrillo, California Fair Plan, Chubb, FedNat, First Insurance Company of Hawaii, Foremost, Hawaiian Insurance and Guaranty Company, Heritage, Homeowners of America, Homesite, Interboro Insurance, Island Insurance, Lemonade, Liberty Mutual, Narrangansett Bay, National General, Privilege Underwriters, RLI Insurance, SageSure Insurance Managers, Security First, Stillwater Insurance, TAPCO Underwriters, The Hartford, Travelers, UPC Insurance, Universal Insurance Company of North America, Universal Property & Casualty, Universal Risk Advisors, Wellington Risk Insurance AgencyUp to 10%
ProgressiveAll Risks, LTD, American Modern, American Strategic, Assurant, First American, Foremost, Homesite, IDS, National General, Nationwide, Occidental NC, QBEMore than 5%
NationwideN/AAverage $710 savings

Compare home and auto insurance bundles.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

Pros and cons of bundling auto and home insurance

Getting both home and auto insurance with the same provider can have many benefits. But consider a few situations that could lead you to buy separate policies instead.


  • Save big. Many insurers offer high discounts for getting these two policies together — some as high as 40%.
  • Get bonus savings across policies. You could get a discount on both policies combined, upping your total savings.
  • Pay one bill. Pay for both policies more easily in one place.
  • You can update your policies in one place. Need to make changes to your account? Update both types of insurance at once.
  • You might get better rates. Providers may consider homeowners less risky for car insurance because of their increased responsibility, which could mean better decisions behind the wheel.
  • You pay a single deductible. Some insurers offer a single deductible on a covered event that involves both your car and your home, such as a house fire that destroys your garage.


  • You might save more separately. A discounted bundle could still total more than getting policies with two different providers.
  • You won’t get specialized coverage. You might have specific needs, such as a classic car or add-ons not offered by one provider.
  • The insurer might not accept luxury cars. A standard insurer might not cover the value of your luxury ride, excluding provisions for agreed value or original parts coverage.
Did you know? You can bundle car and renters insurance

Yes, many insurance companies offer a bundle for car and renters policies in the same way homeowners get this discount.

How does a bundling discount work with insurance partners?

Some insurers don’t offer multiple types of insurance directly. Instead, they partner with other companies to give their customers more options.

For example, Geico offers car insurance directly and also offers renters insurance through its partner company, Assurant. You’ll get a bundling discount on both renters and car insurance if you’re a Geico customer.

Providers sometimes allow you to bundle home and auto with a partner company if they don’t provide both policies or if one company owns another. How you apply for and manage those policies depends on the company. Some keep your account information in one spot, while others require separate accounts but still offer a discount.

How do I sign up for a home and auto insurance bundle?

You can bundle your car or motorcycle insurance and home insurance needs when applying for these policies together. For most providers, you simply:

  1. Start a quote online or by phone.
  2. Enter your personal information and coverage needs. Make sure to select coverage for both home and auto.
  3. Enter details about your car and home, then receive your quote.
  4. Fill in payment information and start your new policies.

What do I need to apply?

To get started with your bundled insurance, you’ll need a few key pieces of information:

  • Home address, email and phone number
  • Your car’s make and model or VIN
  • Driving record for all drivers on the policy
  • Annual mileage
  • Home value estimate, including major items within the home
  • Type of coverage needed, limits and deductible amounts
  • Bank account, credit or debit card number

Can I add a new policy to an existing policy?

Maybe your current provider is offering a new type of insurance or partnering with another insurer to offer bundling. To add to your existing policy:

  1. Contact your provider or update your policy through an online account.
  2. Choose to add coverage and fill in the necessary details about your car or home.
  3. If needed, include payment information or choose your current form of payment.
  4. Confirm the information, update your account and start your new policy.
  5. Review account and billing details to view the discount listed on the bill. If necessary, confirm this by calling your provider.

Bottom line

Getting your car and home insurance together could unwrap a hefty discount on both policies. However, sometimes bundling may not offer the lowest rate overall. Get quotes from multiple providers for bundled or separate policies to find the best option.

Frequently asked questions about car and home bundles

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