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Compare the best bundling insurance companies for 2020
5 companies that pair the best savings, policy options and service when buying insurance policies.
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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 variety of bundling discounts: Progressive
- Honorable mention: State Farm
Best overall: Amica
Optional
Roadside assistance
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
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
Roadside assistance
Optional
New car protection
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
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
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 |
|
20% off car and home |
| Allstate |
|
10% off car and 25% off home |
| American Family |
|
29% off car and 20% off home |
| Amica |
|
30% off total |
| Assurance |
|
20% off total |
| Chubb |
|
10% off total |
| Electric Insurance |
|
25% off total |
| Farmers |
|
Not specified |
| Gabi |
|
Not specified |
| Geico |
|
25% off multi-vehicle policies |
| Homesite |
|
10% off total |
| Liberty Mutual |
|
Possible savings of over $800 on car and home |
| Nationwide |
|
20% off total |
| Progressive |
|
5% to 12% on car and home |
| State Farm |
|
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
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
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