Best Auto and Home Insurance Bundles in 2025
Erie, Nationwide, and Liberty Mutual have the best auto and home insurance bundles, starting at $86 monthly. Combine home and auto insurance to unlock discounts of up to 25%, and add lower deductibles, accident forgiveness, and multi-policy discounts for even lower home and auto insurance quotes.
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Insurance Copywriter
Malory Will has an M.A. in English from Arizona State University. She has over four years of experience in writing for the insurance industry. With a background in health, auto, life, and homeowners insurance, Malory is passionate about making complex insurance topics clear and approachable. Her goal is to help readers make informed decisions with confidence.
Malory Will
Managing Editor
Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...
Daniel S. Young
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Updated October 2025
Erie, Nationwide, and Liberty Mutual stand out as the top providers of the best auto and home insurance bundles for customer service, claims satisfaction, and additional coverage options.
- Combine home and auto insurance to cut your total premium by up to 25%
- Many bundles require homeowners coverage with a $100K dwelling limit
- Select insurance bundles include identity theft protection benefits of up to $15K
Erie offers accident forgiveness after three years of safe driving, helping policyholders avoid sudden premium hikes and keeping their monthly costs steady.
Nationwide rewards policyholders with vanishing insurance deductibles, cutting $100 from costs each year up to $500.
Top 10 Companies: Best for Auto and Home Insurance Bundles| Company | Rank | Claims Satisfaction | A.M. Best | Best for | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 733 / 1,000 | A+ | Filing Claims | Erie |
 | #2 | 728 / 1,000 | A+ | Safe-Driving Discounts | Nationwide |
 | #3 | 717 / 1,000 | A | Usage Discount | Liberty Mutual |
 | #4 | 710 / 1,000 | A++ | Bundling Policies | State Farm |
 | #5 | 706 / 1,000 | A | Local Agents | Farmers |
 | #6 | 692 / 1,000 | A++ | Budget Rates | Geico |
 | #7 | 692 / 1,000 | A | Add-on Coverages | American Family |
 | #8 | 691 / 1,000 | A+ | Customer Service | Allstate |
 | #9 | 684 / 1,000 | A++ | Online Convenience | Travelers |
 | #10 | 672 / 1,000 | A+ | Budgeting Tools | Progressive |
Liberty Mutual adds security through New Car Replacement in the first year or 15,000 miles, protecting against unexpected losses.
Compare the best home and auto insurance bundles available in your area by entering your ZIP code into our free tool and start seeing how much you can save.
Combine Home and Auto Insurance for Noticeable Savings
Bundling auto and home policies can make a real difference, and Erie proves it by dropping total costs under $90 after discounts.
For a 45-year-old male driver carrying minimum coverage, that kind of pricing is tough to beat and gives families steady savings they can count on.
Auto & Home Insurance Monthly Rates: Before vs. After Bundling Discount| Company | Auto | Home | Total Before | Discount | Total After |
|---|---|---|---|---|---|
| $87 | $80 | $167 | 20% | $134 |
| $62 | $78 | $140 | 18% | $115 |
| $32 | $74 | $106 | 19% | $86 |
| $76 | $85 | $161 | 19% | $131 |
| $43 | $76 | $119 | 15% | $101 |
| $96 | $90 | $186 | 21% | $147 |
| $63 | $81 | $144 | 16% | $121 |
| $56 | $88 | $144 | 18% | $118 |
| $47 | $77 | $124 | 17% | $103 |
| $53 | $79 | $132 | 16% | $111 |
Liberty Mutual plans start higher, but the 21% discount brings the monthly bill down enough to make it a strong value for people who want added protection without overspending.
When looking at Liberty Mutual vs. Nationwide auto insurance, customers notice how Liberty Mutual adds security features while Nationwide leans on strong telematics savings.
Geico stands out, too, keeping bundles close to the $100 mark, which makes it easy for cost-focused drivers to stick with them.
Even Farmers and Progressive show their value by making insurance a little easier to manage each month with reliable home and auto insurance bundles.
Learn More: Car Insurance Discounts You Can’t Miss
Best States for Auto and Home Insurance Bundles
States like Texas, Montana, and Idaho sit at the low end, with bundle averages around $63 a month. Find out how the best auto insurance companies in Texas make bundling worth it with unique perks.
In higher-cost states such as California, New York, and Florida, bundle averages climb closer to $71 a month, reflecting the impact of higher living expenses
Nationwide offsets some of those higher costs through SmartRide usage-based insurance (UBI), which can return discounts up to 40% for safe driving.
State Farm gives added relief with Drive Safe & Save, cutting premiums by as much as 30% for qualifying households.
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Home Insurance Rates vs. Auto Insurance Rates
Comparing home insurance costs by coverage level is a great place to start in your home and auto insurance bundle comparison.
For example, a 45-year-old homeowner looking at monthly premiums by dwelling coverage level would find Erie posting the lowest rates at $74 for $200K and $102 for $300K coverage.
Home Insurance Monthly Rates by Dwelling Coverage| Company | $200K | $300K | $500K | $1M |
|---|---|---|---|---|
| $80 | $110 | $175 | $260 |
| $78 | $105 | $165 | $245 |
| $74 | $102 | $158 | $235 |
| $85 | $115 | $180 | $270 |
| $76 | $104 | $160 | $240 |
| $90 | $120 | $195 | $285 |
| $81 | $108 | $170 | $255 |
| $88 | $118 | $185 | $275 |
| $77 | $106 | $166 | $250 |
| $79 | $112 | $172 | $262 |
These levels are especially attractive to first-time buyers or owners of smaller homes, and bundling with auto often unlocks multi-policy discounts of 15% to 25%.
Larger homes naturally carry higher premiums, with Allstate climbing to $175 at $500K and $260 at $1M, while Liberty Mutual tops the chart at $195 and $285. Discover the best homeowners insurance companies here.
Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $87 | $228 |
| $62 | $166 |
| $40 | $125 |
| $76 | $198 |
| $43 | $114 |
| $96 | $248 |
| $63 | $164 |
| $56 | $150 |
| $47 | $123 |
| $53 | $141 |
When it comes to auto insurance, Erie continues to set the bar for pricing with a monthly rate of $40 for minimum coverage and $125 for full coverage.
For a 45-year-old driver, these averages highlight how affordable Erie can be, especially with Rate Lock helping keep premiums steady unless major policy changes occur.
At the other end, Liberty Mutual tops the list with a monthly rate of $96 for minimum and $248 for full coverage, nearly double Erie’s totals, which shows how much prices can climb with certain carriers.
The real advantage of knowing how to buy auto insurance shows when drivers combine coverage with their home policy, unlocking steady savings and layered discounts.
Driving Record and Its Impact on Monthly Rates
Erie is the top home and auto insurance company for drivers with clean records, coming in at $32 monthly. A 45-year-old male driver with minimum coverage can expect rates around this level
Erie’s Accident Forgiveness in many states helps safe drivers avoid a big rate hike after their first at-fault crash. Even with one accident, Erie remains affordable at $45 per month.
Auto Insurance Monthly Rates by Driving Record| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $87 | $124 | $152 | $103 |
| $62 | $94 | $104 | $73 |
| $32 | $45 | $60 | $38 |
| $76 | $109 | $105 | $95 |
| $43 | $71 | $117 | $56 |
| $96 | $129 | $178 | $116 |
| $63 | $88 | $129 | $75 |
| $56 | $98 | $75 | $74 |
| $47 | $57 | $65 | $53 |
| $53 | $76 | $112 | $72 |
Policyholders with accidents or claims who need cheap high-risk auto insurance can use Erie’s Rate Lock to keep premiums steady unless vehicles, drivers, or addresses change.
How Age Shapes Auto Insurance Monthly Rates
Teen drivers pay the steepest premiums, but families who bundle home and auto can reduce these rates by 15%-25%.
By age 35, monthly rates dip to $66 for women and $68 for men, easing the burden for mid-career drivers, and those costs drop even further by age 45.
If you’re adding teens to your policy, Geico is an attractive choice. Its multi-vehicle auto insurance discount cuts auto rates by up to 25%, and extra savings are available when bundling home and auto.
Nationwide also stands out with SmartRide, which tracks actual driving behavior and can return discounts as high as 40%.
Why Combining Auto and Home Insurance Cuts Costs
Bundling delivers strong savings across providers, with Allstate, Geico, and Erie each offering up to 25% off when auto and home insurance are combined.
For a 45-year-old policyholder with national insurers, the most common discount categories can push maximum savings to the top end of that range.
Top Discounts for Auto and Home Insurance Bundles| Company | Auto- Pay | Bundling | Claims- Free | Loyalty | Safety Devices |
|---|---|---|---|---|---|
| 9% | 25% | 20% | 15% | 10% |
| 4% | 25% | 22% | 18% | 29% |
| 5% | 25% | 12% | 10% | 10% |
| 5% | 20% | 25% | 12% | 10% |
| 7% | 25% | 15% | 10% | 10% |
| 15% | 25% | 20% | 10% | 10% |
| 10% | 20% | 18% | 8% | 10% |
| 12% | 10% | 21% | 13% | 10% |
| 13% | 17% | 24% | 6% | 17% |
| 6% | 13% | 16% | 9% | 10% |
You can also stack your home and auto insurance discounts with other savings opportunities, like auto-pay and safe driving. Discover the best good driver auto insurance discounts with bundle offers.
Liberty Mutual pairs that same 25% bundling discount with 15% for auto-pay, while American Family not only offers 25% on bundles but also gives 22% to claims-free drivers and 29% for safety devices.
Bundling auto and home can save around 15% to 25%. For example, Erie drops from $106 to $86 after a 19% cut.Brandon Frady Licensed Insurance Agent
Farmers makes loyalty pay with 20% off for bundling and one of the best claims-free discounts at 25%. State Farm keeps it competitive too, giving 24% off for claims-free customers and 17% for safety devices.
Progressive mixes in 21% off for claims-free, plus 12% for auto-pay, while Nationwide, Travelers, and Erie all deliver steady savings across different categories, so households can find multiple ways to cut costs.
Top 10 Companies for the Best Auto and Home Insurance Bundles
The auto and home insurance market is led by a few major names, with State Farm, Progressive, and Allstate holding the largest shares.
State Farm’s big lead shows just how many families rely on its bundles, with its reputation for steady rates making it a favorite across the country.
Our top three home and auto insurance companies may not be the largest, but they focus on bigger discounts, accident forgiveness, safe driving rewards, and extra coverage options.
Always get a home and auto insurance quote from multiple companies to find the cheapest car insurance options that work best with your home coverage.
Here’s a breakdown of the top ten providers so you can see what each does best and where they might fall short.
Enter your ZIP code to quickly find the top companies offering the best home and auto insurance bundles available near you and start comparing savings today.
#1 – Erie: Top Pick Overall
Pros
- Low Bundle Costs: Erie Insurance keeps auto and home insurance bundles affordable with monthly rates starting at $86 after a 19% discount, one of the lowest in the market.
- Accident Forgiveness: Drivers who bundle home and auto get accident forgiveness after three years of clean driving, preventing premium spikes.
- Lock in Low Rates: With Erie’s Rate Lock, auto and home insurance bundles stay stable unless you change cars, drivers, or addresses.
Cons
- Limited Availability: Erie offers auto and home insurance bundles in fewer states, making access harder for many households.
- Smaller Network: Fewer local agents mean customers might have less in-person support than larger carriers.
#2 – Nationwide: Best for Telematics Savings
Pros
- Vanishing Deductibles: Nationwide home and auto insurance bundles lower deductibles by $100 per year (up to $500) for long-term, claim-free policyholders.
- SmartRide Discounts: Safe drivers shopping for home and auto insurance quotes can cut premiums with SmartRide, offering up to 40% savings.
- Balanced Rates: Nationwide keeps auto and home insurance bundles competitive for families. Find out how Nationwide auto insurance helps families save more with bundles.
Cons
- Mid-Tier Costs: Even after discounts, auto and home insurance bundles can still run higher than low-cost carriers like Erie.
- App Dependence: SmartRide UBI relies heavily on mobile tracking, which not all drivers prefer.
#3 – Liberty Mutual: Best for Vehicle Replacement Protection
Pros
- New Car Replacement: Liberty Mutual home and auto insurance bundles come with new car replacement if your vehicle is totaled within the first year or 15,000 miles.
- Big Bundle Discounts: You can save up to 25% on auto and home insurance bundles, plus an extra 15% if you set up auto-pay.
- Added Protection: Liberty Mutual often includes extras like identity theft coverage with auto and home insurance bundles, giving families more peace of mind.
Cons
- Higher Prices: Liberty’s auto and home insurance bundles usually cost more than budget-friendly carriers. See quotes in our Liberty Mutual Insurance review.
- Limited Perks: Some of Liberty’s loyalty discounts for auto and home insurance bundles don’t stretch as far as other insurers.
#4 – State Farm: Best for Safe Driving Rewards
Pros
- Drive Safe & Save: State Farm rewards careful drivers with up to 30% off auto and home insurance bundles. Explore how State Farm auto insurance rewards safe drivers with lower bundles.
- Affordable Bundle Rates: State Farm auto and home insurance bundles are budget-friendly, starting at $43 per month.
- Easy Access: With thousands of agents nationwide, it’s simple to find help with your auto and home insurance bundles.
Cons
- Claims Can Drag: Some customers say claims take longer to process on auto and home insurance bundles compared to competitors.
- Fewer Extras: Unlike Liberty, State Farm’s auto and home insurance bundles don’t offer unique add-ons like new car replacement.
#5 – Farmers: Best for Loyalty Discounts
Pros
- Claims-Free Savings: Farmers Insurance knocks up to 25% off auto and home insurance bundles if you keep a clean record.
- Mid-Range Pricing: Farmers’ auto and home insurance bundles hit a middle ground on affordability, helping policyholders save an average of $30 per month.
- Extra Coverage: Farmers sometimes adds perks like identity theft protection to auto and home insurance bundles, which is a nice bonus.
Cons
- Pricier Coverage: At $198 for full coverage, Farmers’ auto and home insurance bundles cost more than some rivals like Nationwide.
- Discounts Fade: Loyalty rewards for auto and home insurance bundles don’t keep growing over time, which makes them less appealing long-term.
#6 – Geico: Best for Affordable Bundle Pricing
Pros
- Budget-Friendly: Geico’s auto and home insurance bundles are among the cheapest at $101 a month.
- Multi-Policy Savings: Geico’s auto and home insurance bundles can save families up to 25%, keeping costs predictable.
- Extra Perks: Geico Insurance pairs auto and home insurance bundles with multi-vehicle discounts that cut auto rates even further.
Cons
- Fewer Extras: Geico’s auto and home insurance bundles don’t include as many add-ons as Liberty Mutual or Allstate.
- Customer Support: Some say service for auto and home insurance bundles isn’t as personal since Geico operates mainly online.
#7 – American Family: Best for Safety Device Discounts
Pros
- Safety Savings: American Family Insurance offers a 29% discount for safety devices with auto and home insurance bundles, one of the highest discounts in the industry.
- Affordable Options: American Family keeps auto and home insurance bundles fairly budget-friendly at $115 a month.
- Loyalty Rewards: Customers with auto and home insurance bundles can save up to 18% just for sticking with the company.
Cons
- Availability: American Family’s auto and home insurance bundles aren’t offered everywhere, so access is limited.
- Average Network: Fewer agents mean less local help for auto and home insurance bundles compared to State Farm or Allstate.
#8 – Allstate: Best for Forgiveness Programs
Pros
- Accident Forgiveness: Allstate’s auto and home insurance bundles include accident forgiveness, which helps keep your rates steady after the first at-fault crash.
- Bundle Savings: Customers can save up to 25% when combining auto and home insurance bundles, putting more money back in their pockets.
- Coverage Variety: Allstate Insurance offers add-ons like identity theft restoration inside auto and home insurance bundles, which boost household protection.
Cons
- Higher Rates: Allstate’s auto and home insurance bundles are more expensive than Erie or Nationwide but cheaper than Liberty Mutual.
- Discount Limits: Long-term savings on auto and home insurance bundles aren’t as deep as competitors like Nationwide.
#9 – Travelers: Best for Balanced Coverage
Pros
- Bundle Value: Travelers’ auto and home insurance bundles cut rates by up to 16%, dropping monthly totals as low as $111 after discounts.
- Wide Options: Travelers includes extras like accident forgiveness in some auto and home insurance bundles, giving more flexibility. Check how Travelers auto insurance keeps bundle rates steady with savings.
- Steady Pricing: Travelers keeps auto and home insurance bundles in a competitive middle range at $111 monthly.
Cons
- Lower Discounts: Travelers’ bundling percentage is smaller than American Family’s or Liberty Mutual’s auto and home.
- Fewer Unique Perks: Compared to State Farm or Liberty, Travelers’ auto and home insurance bundles don’t stand out for special programs.
#10 – Progressive: Best for Driver-Based Discounts
Pros
- Telematics Savings: Progressive’s SmartRide can cut up to 40% off auto and home insurance bundles for safe driving. See how Progressive auto insurance helps lower costs when you bundle policies.
- Average Bundle Savings: Customers bundling auto and home save an average of 12% with Progressive’s auto and home insurance bundles.
- Forgiveness Program: Progressive offers accident forgiveness after 5 clean years with auto and home insurance bundles.
Cons
- Mid-Range Prices: Progressive’s auto and home insurance bundles aren’t the cheapest option, but are more affordable than those of Nationwide or Liberty Mutual.
- Discount Reliance: Savings on auto and home insurance bundles depend heavily on driving behavior through telematics.
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Where to Get the Best Auto and Home Insurance Bundles
Erie, Nationwide, and Liberty Mutual have the best auto and home insurance bundles in most states. Erie is often the most affordable, with insurance bundles averaging $86 a month.
Nationwide makes life easier for safe drivers through its SmartRide program, lowering premiums based on driving habits.
When you bundle, one deductible can cover both claims. In particular, that saves families a few hundred bucks.
Melanie Musson Published Insurance Expert
Liberty Mutual adds peace of mind by mixing bundling discounts with extras like new car replacement. Find the cheapest home insurance companies near you that make bundles more affordable.
Use our free home and auto insurance comparison tool by simply entering your ZIP code today to unlock personalized bundle quotes and potential savings.
Frequently Asked Questions
What is the best company for auto and homeowners insurance?
Erie, Nationwide, and Liberty Mutual are often rated among the best for auto and homeowners coverage due to affordable bundle pricing, broad availability, and programs like accident forgiveness and usage-based insurance.
Is it worth it to bundle home and auto insurance?
Bundling home and auto insurance is usually worth it, with average monthly savings of 15% to 25%, depending on the insurer and policyholder profile.
What insurance company has the best reputation?
State Farm and USAA consistently hold top reputations, with high customer satisfaction ratings and strong financial stability backed by A.M. Best’s superior ratings.
Why is my home and auto insurance so high?
Premiums rise due to factors like location, credit history, prior claims, high repair costs, or limited bundling discounts, which can add over $50 to monthly rates. Lower costs on auto and home insurance bundles by entering your ZIP code into our free quote comparison tool.
What is the 80% rule for home insurance?
The 80% rule requires homeowners to insure at least 80% of a property’s replacement cost; otherwise, only partial claims may be paid out. Learn why strong homeowners insurance coverage helps safeguard against losses.
What are the disadvantages of insurance bundles?
Bundled insurance can reduce flexibility since switching one policy may mean losing discounts, and in some cases, bundled rates are still higher than single-policy competitors.
What is the Progressive home and auto insurance bundle discount?
Progressive typically offers an average bundling discount of 12% on home and auto, though savings vary based on location, coverage limits, and eligibility.
What is included in a home and auto insurance bundle comparison?
A home and auto insurance bundle comparison usually shows monthly rates, discount percentages, available add-ons, and customer service ratings side by side.
How do I get a home and auto insurance quote?
Auto and home insurance bundle quotes can be requested online by entering a ZIP code, coverage needs, and vehicle details, often generating multiple offers within minutes. Get personalized savings when you compare homeowners insurance quotes side by side.
Which providers offer the cheapest home and auto insurance?
Companies like Geico and Erie are frequently ranked among the cheapest home and auto insurance providers, with monthly bundle rates starting under $90.
What is the best home and car insurance bundle for seniors?
Why should customers bundle home and auto insurance?
Which company offers the best home and car insurance bundle in Texas?
How much does the State Farm bundle save?
Who has the cheapest homeowners insurance?
What is a good insurance score?
Does my credit score affect my car insurance?
Should I get 50/100 or 100/300 auto insurance?
Do insurance companies check your credit?
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