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Icon CheckLast updated: June 7, 2023

Best Auto and Home Insurance Bundles of 2023

Save money with home and auto insurance bundles.

Best Overall
State Farm Logo

State Farm offers unmatched savings with a highly personalized policy experience for homeowners, renters, and condo owners alike. It’s one of the best auto and home insurance companies around and offers multiple insurance products.

Best for Renters
Direct Auto Logo

From personal property protection to temporary living expenses, Direct Auto has home and apartment renters covered with affordable coverage for everything from damage repairs to stolen property.

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One of the best ways for drivers to save on insurance premiums is by taking advantage of multi-policy, also known as bundling, discounts. Bundling refers to purchasing multiple policies, like home and auto, from a single provider. Along with offering big discounts, bundling can make managing policies and payments easier for owners and renters alike.

Bundling can save you money, but it doesn’t mean you’re paying the lowest price automatically. To avoid insufficient coverage or a high deductible, you should review your potential policy carefully before deciding on a multi-policy coverage. We’ve broken down the top providers of auto and home bundles for all types of homes, so no matter how you finance your property, you’ll get coverage from a company you can trust, whatever your coverage limits.

Summary of the Best Auto Insurance for Home

  1. 1.

    Best Overall: State Farm

  2. 2.

    Best for Renters: Direct Auto

  3. 3.

    Best for Homeowners: Liberty Mutual

  4. 4.

    Best for Condo Owners: USAA

  5. 5.

    Best for Motorhome Owners: Allstate

Comparison of the Best Auto and Home Insurance Bundles of 2023

Feature Best for Average annual bundled rate Maximum bundling discount Average annual savings with a bundled rate Customer satisfaction rating (out of 1,000) on J.D. Power Year founded Number of customers Discounts available Review
#1. State Farm Overall $1,440 17% $587 847 1922 87 million Defensive driver course, multi-car, student away from home State Farm review
#2. Direct Auto Renters N/A 25% N/A N/A 1991 N/A Continuous insurance, homeownership, military, multi-car Direct Auto review
#3. Liberty Mutual Homeowners $750 10-25% $576 825 1912 N/A Accident-free, low mileage, early quote, homeownership Liberty Mutual review
#4. USAA Condo owners $1,310 10% $235 893 1922 13 million Safe driving habits, multi-policy, new car, vehicle storage USAA review
#5. Allstate Motorhome owners $1,833 25% $555 826 1931 16 million Driver training course for young drivers, early signing, good student Allstate review

Detailed List of the Best Auto Insurance for Home

1. Best Overall - State Farm

What We Like Most:

  • Local agents
  • Rideshare insurance available
  • Discounts for having multiple cars

For decades, State Farm has been a leading provider of home insurance. With coverage for all building types, State Farm claims that combining home and auto policies could save you up to $1,127, or $722 when you bundle auto with low-cost renters insurance.1

ProsWho It's Best For
  • pro
    People who want to connect with local agents
  • pro
    Drivers looking for cheap auto insurance rates
  • pro
    Someone with an SR-22
  • pro
    Anyone who wants an easy-to-use mobile app
ConsWho It's Not Best For
  • con
    Anyone looking for gap insurance
  • con
    Homeowners and renters who want add-ons such as rideshare or personal articles coverage

Drive Safe & Save

Your smartphone has an app for everything, so why not use it to save money on auto insurance? State Farm’s Drive Safe & Save app lets you get an insurance discount of up to 30 percent with safe driving behavior. The app uses Bluetooth and location services to record your driving information and determine your discount.

The app will give you feedback on the following:

Earn the biggest discount by avoiding driving with decreased visibility, fatigue, excessive speeds, and hard stops.

Nationwide Coverage

As the nation’s largest property and casualty insurer, State Farm writes policies in all 50 states and Washington, D.C. Offering an unmatched local market presence, State Farm’s 19,000 exclusive agents can help you find the best coverage for your home and auto needs. With a large customer base, State Farm has more capital and available funds to offer discounts and pay claims.

Condo Owners Insurance

With all-inclusive options to protect condo units, State Farm offers protection against weather and non-weather damage when you bundle condo and auto coverage. Get protected from sleet, wind, lightning, theft, vandalism, and fire. Knowing the value of your belongings like electronics, jewelry, clothes, and furniture will help you decide how much coverage you need in your bundle. A State Farm agent can help you determine the value of your unit and understand the replacement cost of your personal property.

If you qualify for both condo and auto policies, you can get condo owners coverage often for just a few dollars more per month.


Review your coverage at least annually. The cost of your home and auto insurance can change from year to year, so it pays to get quotes for both bundled and separate policies to ensure you get the best coverage at the lowest rate.

2. Best for Renters - Direct Auto
Direct Auto Logo

What We Like Most:

  • Low rates for high-risk drivers
  • Can pay in cash locally
  • Save money by bundling with life insurance

Formerly known as Direct General, Direct Auto has a history of insuring drivers with a spotty insurance history. This non-standard insurer is a great contender for renters who have trouble qualifying for bundled insurance because of rating factors like a poor driving record or bad credit.

ProsWho It's Best For
  • pro
    People living in Alabama, Arkansas, Delaware, Florida, Georgia, Louisiana, Michigan, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Washington.
  • pro
    High-risk drivers
  • pro
    Someone looking for straightforward quotes and claims processes
  • pro
    Anyone looking for flexible payment options
ConsWho It's Not Best For
  • con
    Someone looking for highly rated customer service
  • con
    Anyone living in a mobile home or motorhome

Customizable Payments

To make protection more affordable, Direct Auto allows you to customize your payment options to match your budget. You can speak with a representative online, in person, or over the phone to customize your payment plan. Your representative will guide you through each step toward the right renter’s policy so you are covered at a price that works for your budget.

With this small, regional provider, you can do the following:

  • Choose your payment date. Pick the best day to make your insurance payment based on your personal financial schedule.
  • Plan your payment schedule. According to your spending ability, you can pay in full or choose from multiple installment plans.
  • Decide on your monthly payment. Choose how much money you want to put down and, in turn, determine your monthly payment.
  • Decide how you want to pay. You can pay with cash at a Direct Auto or partner location, make a one-time or auto payment online via credit or debit card, or pay online by e-check.

Massive Discounts

Direct Auto offers massive savings on insurance bundles for people renting homes, townhouses, and condominiums. If you switch to Direct Auto after being with another car insurance company for at least six months and have not had more than 90 days of a lapse in previous coverage, you could save 25 percent.2

These are some other discounts available from Direct Auto:

Discount Criteria Maximum savings
Military You are an active service member and can provide documentation. 25%
Safe driver You have been violation- and accident-free for the past 36 months. 10%
Good student You’re unmarried and a full-time student in high school, college, or vocational/technical school with a B average. 10%
Senior citizen You are at least 55 and complete a motor vehicle accident prevention course. 5%
Driver education You complete a qualifying accident prevention course (if you’re over 21) or a state-approved driver education course (if you’re under 21). 10%
Multi-car You have more than one car on your policy. 25%
Vehicle equipment Your vehicle is equipped with qualifying anti-theft and safety features. 25%
Multi-product You include qualifying products in your policy (products vary by state but usually include life insurance and emergency protection plans). 5%
Renewal You haven’t had a policy lapse in the last 12 months and you renew within 7-10 days before the policy’s expiration date. 20%
Welcome back You had a policy with Direct Auto previously, but not within the last 6 months. 6%
Affinity You’re an active member of an organization that has partnered with Direct Auto. 5%
Payment You use automatic payments, pay in full, or go paperless. 9%
Multi-policy You purchase at least 2 qualifying policies from Direct Auto. 10%

24/7 Claims Reporting

With 10,000 employees and coverage in 12 states, Direct Auto keeps rates low and claims processing quick by prioritizing local connections. In the event that you need to file a claim for your home or car, you can report the claim anytime online or over the phone. Get help by calling 1-800-403-1077 or chatting online with a virtual assistant. You can check the status of your claim at any time using the same sources.


When you file a claim, it’s helpful to have your policy number, home and auto specifications, police report information, and the contact information and property specifications for all people involved in the accident on hand to speed up the reporting process.

3. Best for Homeowners - Liberty Mutual

What We Like Most:

  • Save up to 30 percent with driver monitoring program
  • Cheap average rates
  • Over 2,000 local agents throughout the U.S.

Liberty Mutual has you covered if you own your home and want customization options at affordable rates. Whether a vandal breaks your windows or a natural disaster damages your roof, a Liberty Mutual homeowners policy will protect you and your home from unforeseen incidents with its standard and additional coverage options.3

ProsWho It's Best For
  • pro
    Someone who wants gap insurance
  • pro
    People who have purchased a new car or home recently, as they are eligible for additional discounts
  • pro
    Anyone who wants flexible coverage options
  • pro
    Homeowners and renters looking for cheap rates
ConsWho It's Not Best For
  • con
    People wanting above-average customer satisfaction ratings
  • con
    Someone looking for a senior discount

Extensive Discounts

Homeowners bundling with Liberty Mutual have access to plenty of discounts relating to customer loyalty, safety features, payment methods, and multi-policy coverage.

  • If you have more than one policy, multi-policy coverage will lower your premiums.
  • If you have not filed a claim for at least five years with your previous provider or three years with Liberty Mutual, you’ll receive a discount.
  • You’ll get a discount for enrolling in automatic payments and going paperless.
  • You’ll receive a 5 percent discount when you buy a policy online.

Partner Programs

Liberty Mutual has strong affinity partnerships with over 15,000 partner companies and organizations, such as the Autism Society of America and the Navy Federal Credit Union. With over 40 years of experience building affinity partnerships, it’s no wonder that 96 percent of affinity policyholders say they are satisfied with Liberty Mutual’s program.

Homeowners receiving insurance through one of Liberty Mutual’s partner organizations can see the following:

  • Lower annual premiums
  • Expert program support from specially trained representatives
  • Convenient payment options, like electronic funds transfer, recurring credit card, and payroll deduction

Competitive Rates

Homeowners pay the least when it comes to bundling home and auto insurance because insurers view them as more financially responsible and less likely to file claims than renters. Liberty Mutual keeps homeowners insurance rates low by offering standard coverage for personal property, displacement costs, and weather damage. By offering highly customizable bundling options for homeowners, Liberty Mutual will tailor your policy so you pay only for what you need.

4. Best for Condo Owners - USAA

What We Like Most:

  • Lowest rates for military members, veterans, and their families
  • Rideshare insurance available
  • Usage-based insurance available for low-mileage drivers

While the United Services Automobile Association (USAA) offers a lower bundling discount than most insurers, its rates are well below the average. From minimum to full coverage, USAA provides all the standard condo policy options for military members at cheap prices.

ProsWho It's Best For
  • pro
    Active or retired military members, veterans, and their families
  • pro
    First-time drivers
  • pro
    Homeowners with expensive properties
  • pro
    Anyone looking for top-tier customer service
ConsWho It's Not Best For
  • con
    Anyone not affiliated with the military
  • con
    People who want many in-person agent offices

Catering to Military Clientele

USAA writes policies only for members of the U.S. military, veterans, and qualifying family members. If you are eligible, you can save an average of $725 on your annual premium by switching to USAA.4 Since USAA caters to this niche market, it can provide support for unique circumstances like living on a military base or storing a car while deployed. Plus, this organization offers plenty of perks for active service members, such as waiving deductibles on uniform costs.

Great Customer Service

With over 13 million members worldwide, USAA has high marks for claims satisfaction as well as low complaint rates. The organization has a rating of 893 out of 1,000 from J.D. Power for outstanding customer satisfaction, although it is not eligible to be officially ranked due to its membership requirement.5

On USAA’s contact page, you’ll find phone numbers based on the type of question you have, such as those about mortgages, discounts, and auto insurance. These phone numbers operate during business hours; for 24/7 response on domestic and international insurance inquiries, contact USAA’s virtual agent on its website.

Extremely Low Rates

Although USAA has strict eligibility requirements, it offers rates that are well below average for almost every driver profile. Average members save $725 per year when they switch to USAA auto insurance. You may save even more by taking advantage of discounts for being claims-free, driving safely, and bundling home and auto.


If you’re still looking for ways to lower the cost of your auto insurance, consider increasing your deductible. While you will pay more out of pocket if you have to file a collision or comprehensive claim, your monthly premium payments will be lower.

5. Best for Motorhome Owners - Allstate

What We Like Most:

  • Low rates for teen drivers
  • A+ rating from AM Best means financial stability
  • Great customer service

When you and your traveling companions cruise the country, you’ll want to plan for unexpected mishaps. Allstate offers plenty of discounts for motorhome owners looking for full coverage policies. If you’re looking for a nationwide insurer committed to providing highly specialized coverage options for your RV, Allstate is the choice for you.

ProsWho It's Best For
  • pro
    Anyone who drives an RV
  • pro
    Someone looking for personalized coverage
  • pro
    Someone who prioritizes financial stability
  • pro
    People with bad driving records
ConsWho It's Not Best For
  • con
    People looking for low-cost insurance
  • con
    Anyone who wants quick claims payouts

Strong Financial Stability

For the last five years, Allstate has received an A+ (superior) rating from AM Best. With a century of business experience and a widespread coverage network, Allstate has a history of meeting customers’ home and auto insurance needs. A superior rating from AM Best affirms Allstate’s ability to process and pay out claims quickly. Having a reputation for strong financial stability is an important aspect to consider when you are trying to decide on the best provider for your motorhome needs.

Variety of Add-on Coverages

While standard motorhome insurance requires liability insurance, optional coverages will ensure you are protected in the event of an accident. Allstate is unique when it comes to additional coverage for drivers and their motorhomes. Along with standard add-ons like anti-theft device coverage, the green improvement reimbursement will give you money back when you replace damaged items, like windows and appliances, with more energy-efficient ones.

Quick Customer Service

For all your auto and home insurance needs, Allstate provides nationwide coverage from committed local agents. For questions about replacement costs and discounts, one of Allstate’s 12,000 agents can answer your questions quickly. With a 24/7 website and phone access, Allstate wants to make the buying experience as easy as possible.


For our recommendations of the best providers for auto and home insurance bundles, we use a three-pronged approach.

  • Company information: To make our recommendations on the best providers, we incorporate third-party ratings of average savings on home and auto bundles as well as customer satisfaction and financial strength ratings from institutions like J.D. Power and AM Best. We integrate these ratings into our primary analysis of the recommended insurers to supplement our understanding of their claims satisfaction, coverage availability, and discount eligibility.
  • Proprietary data: Having connected people to affordable insurers for 20 years, continues to track which customer profiles have success with which auto insurance companies. These data points give us distinct knowledge of each company’s demographics so we can make tailored suggestions on the best insurer for you based on your needs and driver profile. Using these statistics saves you from pursuing a company that may not offer adequate coverage within your budget or may refuse to cover you at all.
  • Institutional knowledge:’s two-decade history equips us with elite institutional knowledge based on provider strengths and weaknesses. We receive guidance from Paul Ford, the president of insurance services at Centerfield,’s parent company. Paul’s three decades of experience working for Canadian Access, InsLogic, Capital One Insurance Services, NetQuote, Bankrate, and Datalot round out our expertise in guiding customers to the perfect policy.

Frequently Asked Questions

Is bundling home and auto policies always cheaper?

In most cases, it is cheaper to bundle home and auto policies. In some instances, however, bundling your home and auto policies may not be cheaper than paying for the policies separately. If you own a luxury vehicle or live in a high-risk area, for example, you may find a combined policy from one company is more expensive than separate policies from two different companies. Additionally, discounts may be deceiving, because insurance companies with higher discounts may have higher premiums to begin with.

What kinds of insurance can I bundle?

The kinds of insurance policies you can bundle depend on the coverages your provider offers. Typically, insurance companies offer bundling for auto, home, motorcycle, life, boat, or other types of recreational equipment insurance policies.

How much coverage do I need when bundling?

Your bundled coverage should equal your car and home’s replacement cost, not the original price. Renovations and special car equipment can increase the value of your assets, and depreciation from general use can decrease their value, so it’s important to reevaluate coverage annually, if not more often.

Can I over-insure my property when bundling?

Yes, you can over-insure your property for more than it’s worth. While this tactic could help avoid significant out-of-pocket expenses in the event of an accident, you are wasting money that you could use for immediate expenses like home improvement and service costs.


  1. Save up to $1,127 on auto & home insurance. State Farm. (2022).

  2. Car Insurance Discounts. Direct Auto. (2022).

  3. Bundle your home and auto insurance. Liberty Mutual. (2022).

  4. Auto Insurance Discounts. USAA. (2022).

  5. Auto Insurance Customer Satisfaction Stalls Despite $18 Billion in Premium Relief, J.D. Power Finds. J.D. Power. (2021, Jun 15).