Save with bundles: Multi-policy car insurance discounts |
bundle discount car insurance

Multi-policy car insurance discounts

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You may be in for big insurance savings by bundling your policies.

If you’re looking to get the best possible rate across all of your insurance policies, bundling them together with one provider could be a great option. Most insurance companies offer discounts when you carry multiple policies, and the savings can be substantial.

How do multi-policy insurance discounts work?

Insurance providers are always glad when you bring them more business instead of taking it elsewhere — so much so, they typically offer bigger discounts the more business you bring. Depending on the provider, you may be able to get car insurance, homeowners insurance, renters or property insurance and even life insurance all covered under one umbrella policy. When you’re able to do this, you’re sure to save.

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What are the benefits of bundling besides saving money?

If saving money on your insurance costs isn’t enough incentive for you, think about the convenience of handling all of your insurance dealings with one single provider.

Bundling is usually a good idea when you’re looking to save money on all of your policies — but maybe it’s not the right choice 100% of the time. Read through our pros and cons to figure out which factors apply to you and whether you’re better off bundling now, later or not at all.

Pros and cons of bundling policies


  • You’re likely to save with multi-policy discounts, or bundling discounts.
  • Consolidating policies might mean one bill each month, instead of several bills due on different days.
  • Discounts could apply more broadly, instead of being limited a to single policy.
  • Your insurer will be less likely to drop you after a claim.
  • You could save huge amounts on your deductible if there’s a disaster. For example, if a hurricane sweeps through and causes damage to your house and your vehicle, you may only have to pay the deductible on one or the other before your insurance cover costs.


  • Bundling could make you ineligible for other discounts in the future.
  • A bundle deal might not work for certain types of insurance, such as rental properties or classic cars.
  • Bundling could eliminate areas of coverage you need, depending on the provider.
  • If you want to move your policies to a new provider because of a bad experience or rising rates, you’ll have to find coverage for everything you previously had bundled.
  • Discounts can evaporate over time, leaving you to pay a standard rate that doesn’t save you anything on the basis of the bundle “deal” itself.

How much can I expect to save with this kind of discount?

You can expect to shave 5% to 10% off your car insurance costs by bundling more policies with your auto insurance provider, although the exact amount can depend on the provider and how many policies you’re bringing together.

That’s in addition to discounts you might receive on your homeowners insurance or renters insurance, or other kinds of policies you want to include. Your other policies are likely eligible for their own discounts, sometimes as high as 20% if you pick the right provider.

Which providers offer bundle discounts for auto insurance?

  • Progressive. Offers 5% or more in discounts, on top of whatever discounts you already have, when you bundle other policies with your auto insurance.
  • Allstate. Offers a discount of 10% on your auto policy when you bundle with homeowners insurance. You could also save if you bundle a life insurance policy with your auto coverage, but no specific amount is provided on the provider’s website.
  • Liberty Mutual. Offers discounts for bundling car insurance with other kinds of policies, but doesn’t specify how much the customer stands to save. You can probably expect savings of 5% to 10%.
  • Geico. Offers a discount of around 25% on multi-car auto insurance policies. A specific discount amount isn’t given for bundling car insurance with homeowners insurance, but you can expect to see the industry average of 5% to 10% off your total.
  • Farmers Insurance. No discount amount is given, but this provider does advertise you can save by bringing multiple policies together — most likely for the 5% to 10% break we’ve been seeing elsewhere.
  • Esurance. Esurance promises a discount on both policies if you combine car insurance with other insurance like homeowners insurance or motorcycle insurance.

Compare top providers with bundling discounts

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Yes, cars under 1 year old & 15,000 miles
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Which provider should I bundle with?

That’s going to depend on what you value most. Do you want the best possible customer service, or do you just need to get your bill as low as possible? Are there any special considerations like a valuable car or a vacation home that you want to bundle if possible? Answering these questions should help you weigh which provider is best to bundle with and which ones are best to leave behind for the time being.

Bottom line

It’s possible to get all the car insurance savings you want without bundling your policies, but it’s unlikely. If you’re like most drivers in the US, you could benefit by insuring your car with the same provider that handles your home, rental property or term life policy.

To learn more about bundling and discounts to rules and regulations, check out our comprehensive guide to car insurance.

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Frequently asked questions about insurance bundling

Andy Frakes

Andy's background in journalism and experiences with endurance sports have left him hungry for challenges, and he finds plenty to conquer with the finder team. When he isn't writing the best car insurance articles on the Internet, he's probably out shooting photos, hunting for bargains in SoHo or eating breakfast food (yes, for the third time today).

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