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Compare insurance bundle quotes

Save up to 25% by bundling insurance policies like car, home and renters insurance

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Best bundling deals: Progressive

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  • Broad coverage
  • Transparent pricing tools
  • Accident forgiveness on small claims
  • Stack a variety of discounts for multiple cars
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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.

Which companies offer bundle discounts for 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 insurer’s website.
  • Esurance. Esurance promises a discount on both policies if you combine car insurance with other insurance like homeowners insurance or motorcycle insurance.
  • 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.
  • 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.
  • 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%.
  • Progressive. Offers 5% or more in discounts, on top of whatever discounts you already have, when you bundle other policies with your auto insurance.

How much can I save by bundling?

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.

Will bundling always save me money?

It’s likely that the initial bundle will save you money on one or more of your rates. However, every time you renew, there’s a chance your rates can go up. Your insurance company will likely slowly raise your rates over time. You can counteract this by getting quotes and comparing policies when it comes time to renew and after major life events.

How do I bundle insurance?

You can take advantage of a bundling discount with these steps:

  1. Narrow down a few companies that offer the coverage you need and bundling discounts.
  2. Get quotes with and without combined policies.
  3. Compare the rates, making sure coverage and perks are the same across policies.
  4. Pick a company and sign up for all your policies at once. Some companies will require you to sign up for one policy first, and then you can sign up and link your other policies together.
  5. Make your payment and check to make sure you’re getting your bundling discount.

Get insurance bundle quotes

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
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
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
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
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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How do multipolicy 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.

What kind of insurance can I bundle?

Should I bundle insurance?

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. Being able to make changes in one place can be a timesaver.

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. For example, if you have a daily driver and a classic car or bike, you might find better coverage with a separate policy for your collector vehicle through a specialist company like Chubb or Hagerty. Or if you’re combining your household cars and one member of the family needs an SR-22, you might not have the cheapest rates or widest selection if you choose to combine them all.

The best way to find out is to get quotes for both combined and separate policies to find out what your cheapest rates are.

Pros and cons of bundling policies

Pros

  • You’re likely to save with multipolicy 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 damages your house and car, you may only have to pay the deductible on one or the other.

Cons

  • 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.

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 start your search for the right insurance policy, compare insurance to find the policies that are right for you.

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