Multi-policy car insurance discounts

Save up to 25% by bundling insurance policies.

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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.

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.

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.

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Best bundling deals: Allstate

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Compare top providers with bundling discounts

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
All states except AK, HI, LA, MI, RI
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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.

Compare up to 4 providers

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.

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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