How much can you save bundling together auto and homeowners insurance? Does it always make sense? What are some tips for getting the best deal? Here are the best car and home insurance bundle.

If you currently have different insurance providers for homeowners/renters insurance and auto insurance, you might be overpaying. 

That’s because most insurance providers will offer you a nice discount if you purchase both your home and auto policies through them. These are called “bundles.” Even companies many consider to be auto-only offer home and auto bundles (think GEICO and Esurance). 

So how big are the discounts? Is bundling always worth it? Which providers offer the best deals? 

Here’s my home and auto insurance bundle comparison.

The best home and auto bundles overview

ProviderBest forHome + auto bundle discount
GabiEasy price comparisonCustomers save $961a year on average
Liberty MutualHybrid-electric car ownersUp to 30%
PolicygeniusAutomatically comparing home and auto bundlesVaries by lender
AllstateLong discount listUp to 25%
EsuranceTechnology and ease of useUp to 10%
ProgressiveLoyal policyholdersCustomers save 12% on average
State FarmFast claims processUp to $854


The Best Home And Auto Insurance Bundles Of 2021 - GabiGabi can help you save money on your insurance in a matter of minutes. You’ll create an account and provide some information about yourself. Then you simply link your existing home and auto insurance policies or, if you prefer, provide a PDF of your policy declarations pages.

You’ll get quotes from 20 different insurers, detailing what you’d pay monthly and annually, as well as the amount you’ll save. Simply pick one and purchase your policy directly through the app.

In addition to homeowners and auto insurance, Gabi offers renters, condo, landlord, and umbrella insurance. Signing up and getting a quote is completely free, and you’ll pay nothing to Gabi to purchase insurance through the platform. They make their money from the insurers they use. And it’s a win-win for everyone as they are able to save their customers $961 per year on insurance.

Read Money Under 30’s full review of Gabi to learn more.

Liberty Mutual

Best Home And Auto Bundles - Liberty MutualLiberty Mutual’s premium rates start out notoriously high, but tend to quickly fall within a competitive range once you chisel away at them with their laundry list of discounts. Member of a fraternity or sorority? Safe driver? Drive a hybrid or electric vehicle? Discount, discount, discount. 

That last one is worth highlighting because to the extent of my nerdy insurance knowledge, Liberty Mutual is the only provider that offers a discount for driving a “green” car. It seems like an obvious discount, but why would your provider care how many MPG you get? For that reason, Liberty Mutual deserves kudos. 

Regarding their bundle options, Liberty Mutual offers them but doesn’t broadcast how much you’ll save. I called a few agents and averaged their claims to around 30%. That’s pretty darn high (the industry highest, in fact), but I don’t think it’s unrealistic given Liberty Mutual’s penchant for generous discounts. 

Read Money Under 30’s full review of Liberty Mutual to learn more.


Best Life Insurance For Seniors - Help Your Elders Find The Cheapest Quotes - Policygenius

Policygenius, an insurance marketplace, makes finding the best home and auto insurance bundles easier than ever. After going through Policygenius’s quick application, a handful of lenders will be presented to you with rates and terms laid out in easy-to-read language.

Policygenius partners with a large number of reputable, big-name lenders, so there’s a little something for everyone. Plus, getting quotes through Policygenius will never affect your credit. And, when you’re ready to apply through a direct lender, Policygenius is there to help walk you through the process.

Read Money Under 30’s full review of Policygenius to learn more.


Best Home And Auto Bundles - AllstateAllstate is your all-in-one one-stop-shop for insurance. Heck, the number of discounts, perks, and features they offer customers probably couldn’t fit onto a CVS Pharmacy receipt

But to me, the one-perk-to-rule-them-all is their Claims Satisfaction Guarantee. Insurance companies tend to lure customers in with low premiums and slick technology, but the romance quickly fades during the tedious, painful claims process. With Allstate, if you’re dissatisfied with the process of filing your claim, they’ll comp your six-month premium. 

Bundle-wise, Allstate offers discounts up to 25% plus an online quote wizard just for bundles

Read Money Under 30’s full review of Allstate to learn more.


Best Home And Auto Bundles - EsuranceNow, if you visited Allstate’s site and got a stuffy, old school vibe from it, maybe Esurance is more up your alley. Owned by Allstate themselves, the youth-friendly Esurance tends to offer slightly lower premiums than its parent company due to being online-only.

Rather curiously, Esurance doesn’t offer an online quote wizard for bundles like Allstate does, but they do offer up to a 10% discount and a pretty nice perk. Bundle home and auto through Esurance, and if you ever have to submit a claim involving both your car and home, you only have to pay a single deductible. This really sweetens the deal if you live in an area with inclement weather and such a dual-claim is a high likelihood. 

Perhaps Esurance’s most notable feature is their Coverage Counselor. If you’ve ever been confused by the types of auto insurance and how much of each you need, this tool will help walk you through it: even if you’re not an Esurance customer yet. 

Read Money Under 30’s full review of Esurance to learn more.


The Best Home And Auto Insurance Bundles Of 2020 - Progressive

Progressive heavily advertises its multi-policy discounts, which apply when you combine any of its products. That means you can bundle auto and home, whether that home is a single-family house, a condo, or a rental unit.

But Progressive’s bundling doesn’t end there. You’ll also get discounts for bundling insurance on your RV, boat, motorcycle, and more. Whatever’s parked in your driveway is likely covered by Progressive.

As you add on policies later, you’ll continue to enjoy discounts for bundling. Progressive will apply your discount to any new policies you set up. 

In addition to multi-policy discounts, Progressive also issues discounts for multiple cars, as well as loyalty discounts that even apply to the time you were with your previous insurer. This gives you an extra incentive to switch from a previous insurer, especially if they’re giving you a discount for being a longtime customer.

Read Money Under 30’s full review of Progressive to learn more.

State Farm

Best Home And Auto Bundles - State Farm
State Farm is another “big box store” provider offering all kinds of insurance and discounts. What makes them stand out are their below-average renter’s insurance premiums and huge discounts for young/safe drivers.

Likely in an effort to attract younger buyers, State Farm’s renter’s insurance rates compete even with online-only providers like Lemonade.

Bundle-wise, State Farm claims that you can save up to $854 on a home and auto bundle. They do disclaim, however, that this number reflects how much new policyholders saved when switching in 2018, not necessarily how much State Farm discounts their own bundles. Still, the savings surely exist, and you can find out how much by calling an agent. 

Read Money Under 30’s full review of Statefarm to learn more.

How I came up with this list

When coming up with this list, I looked at who offered bundles to begin with, how much their potential savings were, and also the reputation of the company. 

Potential savings

For this list, I focused on companies who offered at least one of the following:

  • A generous expected bundle discount.
  • A bundle-exclusive perk.
  • Low premiums to begin with.

Good reputation

In this list, I only included insurance providers with an A.M. Best rating of Excellent or higher.

Is bundling home and auto insurance always a win?

No. While it may seem like a no-brainer, bundling home and auto doesn’t make sense in every case. In fact, some “bundles” aren’t even real bundles.

Here are the pros AND cons to bundling home and auto together.

Pros to bundling home and auto

  • It’s (often) cheaper. As mentioned, you can save up to 25% in a bundle versus paying for home and auto separately. Allstate, known for having generous multiple-policy discounts, is currently offering up to 10% off of auto and a whopping 25% off of home when bundled together.  
  • It simplifies things. Bundles typically enable you to manage both your home and auto policies through the same provider. Plus, they let you see all of your coverage at a glance from a single web portal, like Liberty Mutual’s eService
  • It strengthens your relationship with your provider. Bundles make you a more valued customer. Your provider may offer you extra discounts, perks, and better service. Plus, they’ll probably fight harder to keep your business (more on that later).
  • Bundles can unlock special perks. For example, if you bundle with Esurance and a natural disaster damages both your home and your car, you’ll only have to pay a single deductible. So yes, bundles typically save money, hassle, and for what it’s worth, make you a more valued customer to your provider. 

But, like the most recent Star Wars flick, home and auto bundles aren’t as flawless as the glitzy marketing would have you believe. 

Here are some lesser-known drawbacks to bundling home and auto.

Cons to bundling home and auto: 

  • It’s not always cheaper. “Discounted” doesn’t always mean “best deal.” A bundle may still be more expensive than purchasing separate coverage. If you drive fewer than 10,000 miles per year, for example, you may save much more than a bundle discount by insuring with a pay-per-mile provider like Metromile
  • Bundles are subject to creeping rates. A few reasons why your provider would hike up your rates are: having an accident, moving into a less safe neighborhood, driving a fancier car, and loyalty (yes, If you stick around, your insurer might assume you can’t be bothered to shop around for a better deal, so they might raise your premiums by up to 15%).
  • Some “bundles” aren’t even real bundles. When you read the fine print, you may discover that the auto or home coverage in your “bundle” is given to an affiliate of your provider. This means you may still have the hassle of dealing with two separate insurance companies: filing claims through two apps, calling two agents, etc.

How to get the best deal on a home and auto bundle

Combine your current rates

What combined figure are you currently paying for home and auto? Have this number handy so you can rapidly compare bundle rates.

Calculate your projected mileage

If you plan to drive your car fewer than 5,000 miles next year, it’s worth reiterating that you may save more money with pay-per-mile car insurance like Metromile than in a bundle. (Note: Metromile is auto-only and currently available in CA, IL, NJ, PA, VA, WA, AZ, OR).

That being said, some traditional providers are beginning to offer super low-mileage discounts to stay competitive, so be sure to ask. If the lowest mileage you can input in an online quote calculator is “<15,000 miles,” call up an agent to see if your rate would differ if you drove 5,000 versus 15,000 miles. 

Price shop

Take your time shopping for quotes online. It may take a little extra time, but collecting separate quotes for home/renters, auto, and a bundle from each provider will reveal the truly best deal for your insurance needs.

Start a bidding war

Let’s say you’re currently paying $1200 to Provider A for auto, and $1300 to Provider B for home. Provider C quotes you $2300 for identical coverage in a bundle. It’s totally fair to share Provider C’s quote with Insurers A and B. Let them know that you’d like to stay with them, and are hoping they can beat the lower rate (this may also remove you as a candidate for price optimization).

Insurance providers, like car dealers, are open to negotiation. Continue sharing the lowest offer until you discover where the price floors really are. While it may feel uncomfortable pitting providers against each other, all you’re really doing is giving them a fair opportunity to keep your business and saving big money in the process.

Defend yourself from price optimization

Keep your premiums low by challenging your provider every six months with a competitor’s offer, or by simply asking what new discounts are available. If they know that you’re an informed shopper, they’ll fight harder to keep your business. 

Best home and auto bundles FAQs

I’ve seen deals where you can save up to 25% by bundling home and auto insurance together, but you can conservatively expect around a 10% discount. 
Yes. Chances are that if a provider offers home + auto, they offer renters + auto as well. 


It’s a tricky business, these home and auto bundles. When providers say you can save “up to X%” in a bundle, they’re not trying to hoodwink you into high hopes; they really don’t know how much you’ll save until the almighty algorithm delivers a number. 

For that reason, bundles should be considered the third dimension of quote collection. If you need home and auto insurance bundle quotes, grab them for a number of lenders, to know what is truly the best deal for you.

Never assume that if you bundle home and auto insurance, you’ll be getting the best deal by default. 

Read more:

Related Tools

About the author

Total Articles: 88
Chris helps people under 30 prosper - both financially and emotionally. In addition to publishing personal finance advice, Chris speaks on the topics of positive psychology and leadership. For speaking inquiries, check out his CAMPUSPEAK page, connect with him on Instagram, or watch his TEDx talk.