9 Best Home and Auto Insurance Bundles of 2026

This list is for homeowners who want one insurer for the house and the car and want the multi-policy discount that comes with it. We compared documented bundle discounts, coverage features, claims service and buying options on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Home and auto premiums are quoted per household, so no insurer publishes a starting price; instead we quote each insurer's published bundle saving word for word. Some are averages and some are maximums, and we say which. Use the list to choose three or four insurers to quote with the same coverage.

1. 01Top value

   

   State Farm

   8.9/10

   Agent-based national insurer that sells homeowners and car insurance together through local State Farm agents.

   Price

   Custombundle savings, quote required

   Bundling homeowners and auto could save up to $1,429, per State Farm; premiums are quoted per household

   “Bundle and save up to $1,429” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   9.0

   Features (35%)

   8.8

   Ease of use (25%)

   8.8

   Best forHomeowners in most states who want one local agent handling both the house and the cars, with a large published bundle saving.

   State Farm is the default first quote for a home and auto bundle because it combines a large published saving with an agent network in most of the country. Its homeowners page says bundling homeowners and auto insurance could save you up to $1,429, and it describes itself as the largest homeowners insurer in the United States based on 2020 premium data. The bundle discount applies when you buy two or more different lines, and it sits on top of a long auto discount list: Drive Safe & Save for driving-based savings up to 30%, the Good Student Discount up to 25%, driver training, student away at school, anti-theft and passive restraint discounts. On the home side, State Farm points to security device and claim-free discounts plus free electrical fire monitoring through Ting in eligible areas. The main trade-off is the buying process: most bundles are set up with an agent, and State Farm notes that savings and percentages vary by state.

   • ✓Publishes the largest dollar bundle figure on this list, up to $1,429
   • ✓State Farm says it is the largest U.S. homeowners insurer by 2020 premium data
   • ✓Strong set of auto discounts that stack with the multi-line saving

   • ✕Bundling usually runs through an agent rather than a fully online checkout
   • ✕The $1,429 figure is a ceiling, not an average
   • ✕Discount names, percentages and eligibility vary by state

   Bundle saving:

   Up to $1,429

   How you buy:

   Local State Farm agents

   Usage-based program:

   Drive Safe & Save, up to 30%

   Teen discount:

   Good Student, up to 25%

   Bottom line: State Farm pairs the biggest published bundle figure here with a local agent for both policies. Quote it first unless you qualify for USAA or live in Erie's footprint.

   Visit statefarm.com ↗

2. 02

   

   Allstate

   8.8/10

   National insurer that lets you quote and buy a home and auto bundle online or through a local agent.

   Price

   Custombundle savings, quote required

   Average bundle saving of 20% on auto and home, per Allstate's February 2026 data

   “Save an average of 20% when you bundle auto and home.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   8.8

   Ease of use (25%)

   8.8

   Best forHomeowners who want to build and buy the bundle online and manage both policies from one login.

   Allstate is the strongest choice if you want to assemble a home and auto bundle yourself online. Its bundling page says customers save an average of 20% when they bundle auto and home, and the footnote explains that figure is the average across states where both products are offered, based on February 2026 data that combines the Multiple Policy Discount with a welcome factor at enrollment. That makes it one of the few averages, rather than ceilings, on this list. Once bundled, both policies sit under a single login in the Allstate app or on allstate.com, where you can review coverage, pay and renew. Allstate also answers a common worry directly: a claim on your car will not affect your home or renters insurance, and vice versa. Drivewise adds a driving-based rate on the auto side, and local agents are available if you prefer help. The caveats are that bundle savings are not offered in every state and dropping one policy may cut the discount on the other.

   • ✓Publishes an average bundle saving (20%), not only a maximum
   • ✓Allstate says a claim on your car will not affect your home insurance, and vice versa
   • ✓You can switch to a bundle at any time, without waiting for current policies to end

   • ✕Bundled savings vary by state and are not available in every state
   • ✕The 20% average combines the multi-policy discount with a new-customer factor
   • ✕Cancelling one policy can reduce the discount on the other

   Average bundle saving:

   20% (February 2026 data)

   How you buy:

   Online, phone or local agent

   Usage-based program:

   Drivewise

   Claims:

   24/7 support

   Bottom line: Allstate is the easiest large insurer to bundle online and publishes a real average saving of 20%. It is a close second to State Farm and the better pick if you prefer to buy without an agent.

   Visit allstate.com ↗

3. 03

   

   Erie Insurance

   8.6/10

   Regional insurer sold through local independent agents, with a multi-policy discount and Rate Lock on car insurance.

   Price

   Custombundle savings, quote required

   Multi-policy discounts from 15% to 25% for auto plus home, depending on state; a typical discount is around 20%

   “ERIE offers multi-policy discounts from 15% to 25%, depending on your state, when you insure your auto and home with us.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   9.2

   Features (35%)

   8.6

   Ease of use (25%)

   7.6

   Best forHomeowners in Erie's states who want a large bundle discount and stable car rates.

   Erie offers one of the best bundle deals in the country, but only if you live where it sells. Its home insurance page says multi-policy discounts run from 15% to 25% depending on your state when you insure your auto and home together, and that a typical multi-policy discount is around 20%. The value goes beyond the discount. ERIE Rate Lock means your car rate changes only when you add or remove a vehicle or driver or change where the car is parked, and the auto policy includes extras that others sell separately, such as coverage for pets hurt in a car accident (up to $500 per pet) and locksmith costs up to $75 under comprehensive. On the home side, ErieSecure Home offers Guaranteed Replacement Cost, with the condition that improvements over $5,000 are reported within 90 days. Erie sells through more than 14,500 local agents, so there is no online checkout, and coverage is limited to its states of operation.

   • ✓Publishes a discount range and says a typical multi-policy discount is around 20%
   • ✓Rate Lock keeps routine increases off the auto policy
   • ✓Agents handle claims guidance for both policies

   • ✕Only sold in a limited number of states plus Washington, DC
   • ✕No direct online purchase; you buy through an agent
   • ✕Guaranteed Replacement Cost requires reporting home improvements over $5,000 within 90 days

   Bundle discount:

   15% to 25%, typically about 20%

   How you buy:

   Local independent agents

   Rate stability:

   ERIE Rate Lock on auto

   Agents:

   More than 14,500

   Bottom line: Inside its footprint, Erie is often the best value bundle on this list thanks to a 15% to 25% discount and Rate Lock. Outside it, you cannot buy it.

   Visit erieinsurance.com ↗

4. 04

   

   USAA

   8.6/10

   Insurer for military members, veterans and their families that discounts the home policy when you also carry USAA auto.

   Price

   Custombundle savings, quote required

   Up to 10% off the homeowners premium when bundled with USAA auto; membership eligibility required

   “Save up to 10% when you package homeowners or renters insurance with an auto insurance policy.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   9.0

   Features (35%)

   8.4

   Ease of use (25%)

   8.4

   Best forEligible military members, veterans and their families who own a home.

   If you qualify for USAA, it belongs on your shortlist. Its bundle page says you can save up to 10% when you package homeowners or renters insurance with a USAA auto policy, and that members saved $1.4 billion in 2025 by combining the two. The discount is applied to the property policy, and the auto policy has to be active within 60 days of issuing it. What sets USAA apart is how many home discounts stack on top: up to 9% more if you also hold valuable personal property, umbrella, banking and life products, up to 15% for being claims-free for 5 years, up to 5% after 3 continuous years, and up to 8% through the Connected Home program for sharing water leak sensor data. USAA also waives the deductible on military uniforms and gear lost while on active or Reserve duty. The limit is eligibility: USAA serves military members, veterans and their families only, and some programs run in select states.

   • ✓USAA says members saved $1.4 billion by bundling auto and homeowners
   • ✓Stackable home discounts beyond the bundle itself
   • ✓Military-specific coverage such as waived deductibles on uniforms and gear

   • ✕Only available to people eligible for USAA membership
   • ✕The auto policy must be active within 60 days of the property policy to get the discount
   • ✕Some discounts are limited to select states

   Bundle saving:

   Up to 10% on homeowners

   Extra multi-product saving:

   Up to 9%

   Eligibility:

   USAA membership required

   Average switching saving (auto):

   $960 a year

   Bottom line: USAA has the deepest stack of home discounts for anyone who can join. Eligible military families should quote it before anyone else.

   Visit usaa.com ↗

5. 05

   

   Amica

   8.5/10

   Mutual insurer that sells direct and offers dividend policies plus a multi-policy discount for auto, home, umbrella and life.

   Price

   Custombundle savings, quote required

   Up to 30% off when you bundle auto, home, umbrella and life policies

   “You can save up to 30% when you bundle auto, home, umbrella and life policies with Amica.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   8.8

   Ease of use (25%)

   8.4

   Best forHomeowners who value service and want the largest published percentage discount for bundling several policies.

   Amica is the pick for homeowners who put service first and are willing to bundle more than two policies. Its bundle page says you can save up to 30% when you bundle auto, home, umbrella and life policies, which is the largest percentage published by any insurer here, though home and auto alone will earn less. As a mutual insurer, Amica offers dividend policies that can return a percentage of your premium at renewal, and it says 94% of customers stay each year and that it has held A ratings in financial strength from AM Best for over 100 years. Claims can be reported 24/7 through the app, online or by phone, and a single storm that damages both your house and car stays with one company. StreetSmart adds up to 20% off for safe driving. The caveats are that dividends are not guaranteed or offered in every state, and Amica sells direct rather than through local agents.

   • ✓Highest published bundle percentage on this list
   • ✓Amica says 94% of customers stay each year
   • ✓Over 100 years of A ratings in financial strength from AM Best

   • ✕The 30% ceiling assumes four policies, not only home and auto
   • ✕Dividends are not guaranteed and are not available in every state
   • ✕No local agent network for in-person help

   Bundle discount:

   Up to 30%

   Dividends:

   Available on some policies

   Retention:

   94% of customers stay each year

   Financial strength:

   A ratings from AM Best for over 100 years

   Bottom line: Amica publishes the largest bundle discount here and backs it with strong retention and dividends. It suits households ready to add umbrella or life to the bundle.

   Visit amica.com ↗

6. 06

   

   Liberty Mutual

   8.4/10

   National insurer that sells home and auto online, by phone and through agents, with a published bundle saving figure.

   Price

   Custombundle savings, quote required

   Average annual saving of over $950 for new customers who bundled auto and home, per Liberty Mutual's survey

   “You could save over $950 when you bundle your auto and home insurance with Liberty Mutual” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   8.2

   Ease of use (25%)

   8.6

   Best forHomeowners who want to customize coverage online and manage both policies in one app.

   Liberty Mutual is a good fit if you want to build the home policy yourself online and then add the car. Its homeowners page says you could save over $950 when you bundle auto and home, and the footnote explains this is an average annual saving from a countrywide survey of new customers who reported savings after switching. The online quote lets you choose coverages such as personal property replacement cost and water backup and overflow, and there is a separate discount for buying home insurance online. You can also buy by phone or through an agent. Claims and service run 24/7 online and in the mobile app, where you can file and track claims and keep ID cards. Liberty Mutual is rated A (Excellent) by A.M. Best. The cons are that useful protections like replacement cost on belongings are add-ons, and the $950 average only counts customers who saved.

   • ✓Publishes a dollar bundle figure based on a survey of new customers
   • ✓Online quote lets you customize home coverage yourself
   • ✓Rated A (Excellent) for financial strength by A.M. Best

   • ✕The $950 figure only counts customers who reported savings
   • ✕Replacement cost for belongings and water backup cost extra
   • ✕Discounts vary by state and by how you buy

   Bundle saving:

   Over $950 on average (customer survey)

   How you buy:

   Online, phone or agent

   Financial strength:

   A (Excellent) from A.M. Best

   Claims:

   24/7 online and in the app

   Bottom line: Liberty Mutual is a solid online bundle with a published saving over $950 and a strong app. Compare its add-on costs before choosing it over Allstate.

   Visit libertymutual.com ↗

7. 07

   

   Progressive

   8.3/10

   Large car insurer that adds home, condo or renters cover through Progressive Home and affiliated insurers.

   Price

   Custombundle savings, quote required

   Bundling property saves an average of 5% on auto in most states; surveyed new customers who bundled saved $1,099 a year on average

   “National average 12-month savings (auto = $975, bundle = $1,099) by new customers surveyed who saved with Progressive between June 2025 and May 2026.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.2

   Features (35%)

   8.0

   Ease of use (25%)

   9.0

   Best forDrivers who already like Progressive for car insurance and want to add a home policy online.

   Progressive is the easiest way to add a home policy if your cars are already insured there. Its bundle page says bundling property saves an average of 5% on auto in most states, and its fine print says new customers surveyed who saved with a bundle between June 2025 and May 2026 saved $1,099 a year on average, against $975 for auto alone. The quote flow combines auto and home, condo or renters in one place, and Snapshot, Name Your Price and 24/7 claims all carry over from the auto side. The important caveat is in the disclosures: Progressive Home policies are placed with affiliated and third-party insurers, and each insurer is responsible for claims on its own policies. That means your home and car may sit with different companies, which removes some of the single-claim convenience that makes bundling attractive. The 5% average is also small next to the percentages Allstate, Erie and Amica publish.

   • ✓Publishes both a percentage and a dollar figure for bundling
   • ✓Easy online quote for auto plus property in one flow
   • ✓More than 40 million drivers use Progressive, per the company

   • ✕Home policies are often written by affiliated or third-party insurers, so claims may go to a different company
   • ✕The 5% average applies to the auto policy only
   • ✕Snapshot can raise rates for risky driving

   Bundle discount:

   Average 5% on auto in most states

   Bundle saving:

   $1,099 a year on average (surveyed savers)

   Who writes the home policy:

   Progressive Home, affiliated or third-party insurers

   Claims:

   24/7

   Bottom line: Progressive makes bundling quick and publishes honest averages, but the home policy may come from another insurer. Pick it when car pricing matters most.

   Visit progressive.com ↗

8. 08

   

   AARP Home and Auto from The Hartford

   8.2/10

   The Hartford's AARP-endorsed home and auto program for AARP members, with discounts on both policies when bundled.

   Price

   Custombundle savings, quote required

   Average bundle saving of $963, or up to 12% on car and up to 20% on home insurance, for AARP members

   “You can save $963** or up to 12% on your car insurance and up to 20% on your renters, condo or home insurance” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.2

   Features (35%)

   8.2

   Ease of use (25%)

   8.0

   Best forAARP members age 50 and older who want one insurer for house and car.

   For AARP members, The Hartford's program is a strong bundle because the discount lands on both policies. Its AARP homeowners page says you can save $963, or up to 12% on car insurance and up to 20% on home, renters or condo insurance, by bundling. The footnote explains the $963 average comes from customers who switched to The Hartford's newest rate plan between September 2024 and August 2025, split into about $597 on auto and $366 on home. The Hartford says it runs the only national home insurance program endorsed by AARP and has insured AARP members since 1984, with coverage options designed for adults 50 and older. Claim representatives are available 24/7 to walk you through a home claim. The limits are that the program is built for eligible AARP members, and The Hartford notes that rate differences for members vary by state and membership tenure.

   • ✓Discounts apply to both the car and the home policy
   • ✓Publishes an average annual saving of $963 for bundlers
   • ✓Long track record with AARP members

   • ✕Designed for eligible AARP members
   • ✕The $963 figure comes from customers who switched to its newest rate plan
   • ✕Rate differences for members vary by state

   Bundle saving:

   $963 average, up to 12% auto and 20% home

   Eligibility:

   AARP members

   Claims:

   24/7

   Program since:

   1984

   Bottom line: AARP members get a two-sided discount and a published $963 average saving. Younger homeowners should look at State Farm or Allstate instead.

   Visit thehartford.com ↗

9. 09

   

   Travelers

   7.9/10

   Large insurer sold mainly through independent agents, with a multi-policy discount on the car policy when you add home.

   Price

   Custombundle savings, quote required

   Up to 10% off the auto premium when you also buy home, condo or renters insurance

   “When you buy property insurance (home, condo or renters) together with your car insurance, you can save up to 10% on your auto policy premium.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   7.8

   Features (35%)

   8.2

   Ease of use (25%)

   7.8

   Best forHomeowners who work with an independent agent and want a well-known carrier for both policies.

   Travelers is the bundle to consider if you already use an independent agent. Its car insurance FAQ says that when you buy home, condo or renters insurance together with your car insurance, you can save up to 10% on your auto premium, and that adding policies such as boat or umbrella could save more. On the home side, Travelers lists multi-policy and loss-free discounts, savings for qualified smart home technology and security and fire devices, and an early quote discount of up to 10% for buying before the effective date. You can update coverage and limits online at MyTravelers.com or in the app. The trade-offs are that the published 10% ceiling is smaller than what Allstate, Erie or Amica advertise, that some products in some states, including California, are sold only through local independent agents, and that Travelers says prices may differ depending on whether you buy direct or through an agent.

   • ✓Independent agents can compare Travelers against other carriers for you
   • ✓Bundle more policies and Travelers says you could save more
   • ✓Home discounts for smart home and security devices

   • ✕Published bundle discount is smaller than most on this list
   • ✕In some states, including California, products must be bought through an agent
   • ✕Price can differ depending on whether you buy direct or through an agent

   Bundle discount:

   Up to 10% on auto

   How you buy:

   Independent agents, online or phone

   Early quote discount (home):

   Up to 10%

   Self-service:

   MyTravelers.com and app

   Bottom line: Travelers is a dependable agent-sold bundle, but its published discount is modest. Ask your independent agent to quote it next to Erie or other agent-sold bundles.

   Visit travelers.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.