Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Compare the best bundling insurance companies for 2020

5 companies that pair the best savings, policy options and service when buying insurance policies.

Posted

Fact checked

Bundling multiple types of insurance policies is an easy way to snag hundreds of dollars in savings off your annual premium dues. But not all bundles and insurers offer the same benefits.

When evaluating companies that bundle policies, we started with those offering multiple policies to customers across the nation. We considered how many policies each company discounts when bundling as well as the percentage discount.

Then, we factored in other coverage offered along with customer service and business ratings for a well-rounded picture of each company. The results bring you top choices for a balance of savings and service or an abundance of bundling options.

What are the best bundling insurance companies?

These insurance companies offered the best bundling options and discounts while rounding out their package with solid customer ratings. Our top picks:

  • Best overall company: Amica
  • Best for multiple vehicles :Geico
  • Best for bundling quotes: Gabi

Best overall: Amica

Optional
Roadside assistance

New car protection

Accident forgiveness
Amica offers a blend of high multipolicy discounts and top-notch customer service that's hard to beat among insurers. Whether you need car, home, condo, renters, life or umbrella insurance, you can shave up to 30% off your premiums. You can also choose a dividend policy, so you get a return of the company's profits at the end of your term.
  • Up to 30% off six types of policies
  • High customer and business ratings from review sites
  • Dividend policies provide an extra payout at the end of your 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

Best for multiple vehicles: Geico

Optional
Roadside assistance

New car protection

Accident forgiveness
Geico tops this list with high discounts for a variety of vehicle policies, including cars, motorcycles, boats and RVs. You can also score savings by bundling your car, home or renters policies. You're likely to see steep savings since Geico has some of the most competitive insurance rates to begin with.
  • Up to 25% off multi-vehicle policies
  • Low starting rates
  • 24/7 customer service online or by phone or email
  • Update your policy or file claims online or in the app
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, custom
Claims methods Online, Phone, Agent
New car protection Yes
Accident forgiveness Yes

Best for bundling quotes: Gabi

Optional
Roadside assistance
Optional
New car protection

Accident forgiveness
Gabi has an innovative service for comparing dozens of quotes at the same time. You can create an account, choose the types of insurance you need and connect your current insurance accounts. Gabi will find the best deals on all your policies, either bundled or with separate companies.

However, the quoting engine only works if you have an existing policy and are comfortable giving out your phone number — you won't get called or spammed.

  • Compare up to 20 quotes in two minutes
  • Manage your policy or file claims through Gabi
  • Ask a personal adviser policy questions for clarity before buying
States served All 50 states
Roadside assistance Optional
Pay schedule Depends on provider
Claims methods Depends on provider
New car protection Optional
Accident forgiveness Yes

Best variety of bundling discounts: Progressive

Optional
Roadside assistance

New car protection

Accident forgiveness
Of all the companies we compared, Progressive offers the most coverage options hands down. Plus, it offers a bundling discount when you buy any combination of its 25 policies. It's worth taking time to get its online quote and, if you're happy with it, complete the signup process online.
  • Save between 5% to 12% when bundling
  • Score a bundling discount on any two or more of its 25 policies
  • Receive wide coverage options, high limits and freebies for your car, home and motorcycle policies
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months
Claims methods online, phone
New car protection Yes
Accident forgiveness Yes

Honorable mention: State Farm

Optional
Roadside assistance

New car protection

Accident forgiveness
We couldn't leave this honorable insurer out of the ranks. We're impressed with State Farm's high discounts for multiple bundled policies, including car, home, condo, renters or life insurance premiums. Many customers also enjoy its personalized local customer service.
  • Shave 17% off premiums for multiple types of policies
  • Enjoy personalized service from nearly 20,000 local agents
  • Insure a variety of needs like car, home, life, health or disability insurance
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, Monthly
Claims methods Online, Phone
New car protection Yes
Accident forgiveness Yes

How much can I save by bundling insurance?

In general, a 10% multipolicy discount runs standard. But while most insurance companies offer bundling, its policy options and discounts can vary. See how these major companies compare:

Company Policies you can bundle Discounts up to
AAA
  • Car
  • Home
  • Condo
  • Renters
  • Life
20% off car and home
Allstate
  • Home
  • Car
  • Life
10% off car and 25% off home
American Family
  • Car
  • Home
  • Condo
  • Renters
  • Life
  • Motorcycle
  • Umbrella
29% off car and 20% off home
Amica
  • Car
  • Home
  • Condo
  • Renters
  • Life
  • Umbrella
30% off total
Assurance
  • Car
  • Home
20% off total
Chubb
  • Car
  • Home
10% off total
Electric Insurance
  • Car
  • Home
25% off total
Farmers
  • Car
  • Home
  • Condo
  • Mobile home
  • Renters
  • Life
  • Motorcycle
  • Boat
  • RV
Not specified
Gabi
  • Car
  • Home
  • Condo
  • Renters
  • Landlord
  • Motorcycle
  • RV
  • Umbrella
Not specified
Geico
  • Home
  • Renters
  • Car
  • Motorcycle
  • Boat
  • RV
25% off multi-vehicle policies
Homesite
  • Home
  • Car
10% off total
Liberty Mutual
  • Car
  • Home
  • Renters
  • Life
  • Motorcycle
Possible savings of over $800 on car and home
Nationwide
  • Car
  • Home
  • Renters
  • Motorcycle
  • Boat
  • Life
20% off total
Progressive
  • Car
  • Home
  • Condo
  • Renters
  • Motorcycle
  • RV
  • Boat
5% to 12% on car and home
State Farm
  • Car
  • Home
  • Condo
  • Renters
  • Life
17% off total

How do I compare insurance bundles?

When looking at the insurance company that’s best for your bundling needs, consider factors like:

  • Types of policies offered. Major insurers offer a variety of insurance, so you can keep all your policies in one place. But you could save more by bundling the most expensive policies like home and car, then looking at low-cost insurers for other needs.
  • Total savings from bundling. Look at the amount you’ll save for bundling your policies. A 10% multipolicy discount is common, so anything higher could amount to steep savings.
  • Additional discounts and benefits. Consider other discounts you might qualify for, such as a claims-free record or military service. Also, some companies offer perks and freebies, saving you from paying for coverage you were planning to buy.
  • Overall price compared to other companies. No matter the size of the discount, you might save more money by buying insurance with separate companies. Consider a variety of quotes before making a final decision.

Compare even more car insurance companies

Name Product Finder Rating Roadside assistance New car protection Accident forgiveness Available states
Progressive
Optional
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
The AARP Auto Insurance Program from The Hartford
Optional
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
loading

Compare up to 4 providers

Bottom line

Many people save money on insurance by bundling several policies with the same company. Common policy bundles include home and car, car and renters or car and motorcycle policies. But you’ll want to find insurance companies with the right mix of bundling, coverage and service options suited for you.

Common questions about the best bundling insurance

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site