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Best Home and Auto Insurance Bundles of 2024

Auto insurance designed to bundle with home and renters insurance.

Best Auto Insurance for Homeowners
Liberty Mutual Logo

Full Coverage Averages
• Annual Premium: $1,637
• Monthly Premium: $136

Read our Liberty Mutual review.
Sizable home bundling discount
Competitive rates for homeowners
X No senior discount available

Best Auto Insurance for Condo Owners
State Farm Logo

Full Coverage Averages
• Annual Premium: $1,419
• Monthly Premium: $118

Read our State Farm review.
Condo protection against weather and non-weather damages
X No discount for owning a home

Best Bundling for High-Risk Drivers
Direct Auto Logo

Full Coverage Averages
• Annual Premium: $2,487
• Monthly Premium: $207

Read our Direct Auto review.
Great for high-risk drivers
X Higher-than-average prices

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Our Commitment to You: At, our mission is to help you make smarter auto insurance decisions with confidence. We follow a strict editorial policy to ensure the accuracy of information presented is rooted in data and vetted by thousands of hours of research. While we may earn compensation from our partners, this does not influence our assessments and recommendations. Learn more about how we make money.

Looking to save money by bundling your home and auto insurance? Our team of experts researched hundreds of carriers and picked the top five. We use data pricing, industry research, and real-life customer experience to test essential factors like bundling discount amount, average price, claims process, and customer satisfaction. We’ve broken down the top providers of auto and home bundles for all types of homes, so no matter what, you’ll get coverage from a company you can trust.

Bundling can save you money, but it doesn’t always mean you’re paying the lowest price. For lower-cost options, check out the best cheap auto insurance companies. Adding a new driver to your policy? We’ve reviewed the best auto insurance for teens. Those looking for extra protection will want to explore the best options for full coverage insurance.

Editor’s note: We updated this best auto and home insurance review on April 22, 2024, with updates on how we assess insurance providers and our latest picks.

Car and cell phoneOur Top Options for Home and Auto Insurance Bundles

  1. Liberty Mutual – Best Auto Insurance for Homeowners
    Liberty Mutual offers the most saving opportunities for homeowners and customers who bundle home with auto. With several other bundling options, like condo, renters, and motorcycle bundling, Liberty Mutual is our top choice for drivers looking to bundle home and auto insurance.
  2. State Farm – Best Auto Insurance for Condo Owners
    State Farm is one of the oldest and largest insurance providers in the country across several industries, including auto, home, and life. With bundling options and great coverage for condos, State Farm is our top pick if you’re a condo owner.
  3. Direct Auto – Best Bundling for High-Risk Drivers
    We believe you deserve great coverage at affordable rates, even if you’re a high-risk driver. Not only does Direct Auto offer great bundling discounts, but it also specializes in high-risk auto insurance for young drivers, drivers with bad credit, people with a bad driving record, and other high-risk categories.

The Benefits of Home and Auto Insurance Bundles

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.

Whether you own a home or a condo, the benefit of bundling your auto and home insurance is obvious: Bundling often comes with discount opportunities for various insurance plans. In some cases, you can save as much as 25 percent on your car insurance when you bundle home and auto.

Second, you might find it easier to manage your policies under one provider. Most providers allow you to manage your policy, track claims, and make payments for different policies with the same app or online account.

Summary of the Best Home and Auto Insurance Bundles

  1. 1.

    Best Auto Insurance for Homeowners: Liberty Mutual

  2. 2.

    Best Auto Insurance for Condo Owners: State Farm

  3. 3.

    Best Bundling for High-Risk Drivers: Direct Auto

  4. 4.

    Cheapest Auto Insurance for Auto and Home Bundling: GEICO

  5. 5.

    Best Auto Insurance for Motor Home Owners: Allstate

Comparing the Best Auto and Home Insurance Bundles of 2024

Feature Liberty Mutual State Farm Direct Auto GEICO Allstate
Average annual cost $1,637 $1,419 $2,487 $1,194 $1,673
Maximum bundling discount 10-25% 17% 10% Varies 25%
Homeowner discount Yes No Yes No No
J.D. Power rating for home and auto
(out of 1,000)1
865 877 N/A 857 853
Review Liberty Mutual review State Farm review Direct Auto review GEICO review Allstate review

Detailed List of the Best Auto and Home Insurance Bundles

1. Best Auto Insurance 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.

With the biggest homeowner discount on our list, flexible bundling options, and extra coverage for your home, Liberty Mutual is our top pick for homeowners who want to bundle auto and home insurance. 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.2

ProsWho It's Best For
  • pro
  • pro
    People who have purchased a new car or home recently, as they are eligible for additional discounts
  • pro
    Members of partnered affinity groups
  • pro
    People who want to bundle motorcycle insurance with home insurance
ConsWho It's Not Best For
  • con
    People who want rideshare insurance
  • con
    People who want to bundle RV insurance

Big Savings for Homeowners

Homeowners have several ways to save on their auto insurance with Liberty Mutual. For one, you may be eligible for the highest home and auto bundling discount (25 percent). Liberty Mutual will also give you a discount just for being a homeowner, regardless of which provider insures your home.


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.

Flexible Bundling Options

Liberty Mutual offers several bundling options for drivers. You can take advantage of the following bundling opportunities:

  • Auto + home
  • Auto + condo
  • Auto + renters
  • Auto + auto (multi-vehicle)
  • Motorcycle + auto
  • Motorcycle + home
  • Motorcycle + renters

On top of earning discounts, it will be easier to manage your various insurance policies by integrating them under one Liberty Mutual account.

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 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
2. Best Auto Insurance for Condo Owners - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

For decades, State Farm has been a leading provider of auto and home insurance, including for condo owners. State Farm offers some of the most extensive coverage for condo owners, including weather damage and discharge from plumbing systems. On top of bundling discounts for most insurance types, State Farm advertises savings of up to $1,073 when you bundle auto and condo insurance, or $722 when you bundle auto with low-cost renters insurance.3

ProsWho It's Best For
  • pro
    Condo owners
  • pro
    Condo owners at risk of incurring damage from earthquakes
  • pro
    Condo owners who live in areas with a risk of rodent or bug infestations
  • pro
    People who want several bundling options
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

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.

Bundle and Save

You can earn up to 17 percent off your auto insurance premium when you bundle home and auto insurance. Ask about how much you can save when you bundle any of the following policies:

  • Auto + home
  • Auto + condo
  • Auto + renters
  • Auto + life insurance
  • Auto + auto (multi-vehicle discount)

Pro Tip:

You can save up to 20 percent on your policy when you sign up for a multi-vehicle discount with State Farm. Ask your agent about what multi-vehicle and multi-policy discounts you’re eligible for.

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 available funds to offer discounts and pay claims.

3. Best Bundling for High-Risk Drivers - 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 high-risk drivers. Auto insurance providers determine rates and decide to insure (or reject) certain drivers based on their age, gender, credit score, driving history, vehicle type, and other relevant factors. High-risk drivers tend to have a lower credit score, lapses in coverage, very expensive vehicles, a history of accidents or speeding tickets, and other factors that indicate they might be more expensive to insure.

Direct Auto specializes in insurance for high-risk drivers, including renters and homeowners having a hard time finding insurance.

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
    • Washington
  • pro
    High-risk drivers
  • pro
    People with multiple vehicles
  • pro
ConsWho It's Not Best For
  • con
    Anyone living outside of the states listed above
  • con
    Anyone living in a mobile home or motor home

Best for High-Risk Drivers

If you’re a renter or homeowner with bad credit, a history of missed payments, a history of claims, a DUI on your record, or other moving violations on your record, you might find it difficult to find a company that will offer you auto or renters insurance.

This won’t be the case with Direct Auto. As a high-risk provider, Direct Auto likely won’t deny your application. It can also offer additional insurance requirements — like an SR-22 or non-owner insurance — if you need insurance after a serious traffic violation.

Customizable Payments

To make your plan 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 renters policy so you can find 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 Insurance Bundle Discounts

Direct Auto offers sizable savings on insurance bundles for people renting homes, townhouses, and condominiums. If you purchase at least two qualifying policies from Direct Auto, like auto and renters insurance, you can save up to 10 percent on your insurance.

Here’s the full list of discounts:

Discount Criteria Maximum savings
Multi-policy You purchase at least two qualifying policies from Direct Auto. 10%
Homeowner You or your spouse owns a home where you keep your cars (does not apply to mobile homes). 15%
Multi-car You have more than one car on your policy. 25%
Multi-product You include qualifying products in your policy (products vary by state but usually include life insurance and emergency protection plans). 5%
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 have completed 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%
Vehicle equipment Your vehicle is equipped with qualifying anti-theft and safety features. 25%
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%
4. Cheapest Auto Insurance for Auto and Home Bundling - GEICO

What We Like Most:

  • Save money with defensive driving courses
  • Cheapest rates after a speeding ticket
  • Save by installing safety equipment

Affordable Rates

On average, GEICO is the most affordable provider on our list. It offers several discounts that help keep your costs down, including bundling for home, auto, and renters insurance.

Here’s how GEICO’s rates compare to other major providers’:

Company Monthly average rate Annual average rate
GEICO $96 $1,194
American Family $117 $1,400
State Farm $118 $1,419
Progressive $126 $1,508
Nationwide $134 $1,614
Liberty Mutual $136 $1,637
Allstate $139 $1,673
Farmers $156 $1,878
Direct Auto $207 $2,487
ProsWho It's Best For
  • pro
    People looking for the cheapest rates
  • pro
    People with a mobile home
  • pro
    Military members looking to bundle
ConsWho It's Not Best For
  • con
    People who want gap insurance
  • con
    People in California who want to visit physical GEICO locations

Bundling for Mobile Homes

Some providers, like Direct Auto, don’t offer bundling discounts for auto and mobile homes. With GEICO, you can save by bundling auto with home, renters, condo, or mobile home insurance. If you’re one of America’s 20 million mobile home residents, you should ask your GEICO agent about how much you can save by bundling auto and mobile home insurance.

Did You Know?

Nearly 15 percent of all mobile homeowners live in areas with a high risk of flooding. Mobile home insurance with GEICO will protect your mobile home and belongings from damage by flooding, fire, hail, wind, hurricanes, and more.4

5. Best Auto Insurance for Motor Home Owners - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

When you and your traveling companions cruise the country, you’ll want to plan for the worst. After all, your motor home will be your home and the thing that keeps you, your loved ones, and your belongings safe. Allstate offers plenty of discounts for motor home owners looking for a full-coverage policy. 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
    People with renters living in their home
  • pro
    People with travel trailers
  • pro
ConsWho It's Not Best For
  • con
    People looking for low-cost insurance
  • con
    Anyone who wants quick claims payouts
  • con
    Homeowners in California (Allstate is no longer offering homeowners insurance in California as of May 2023)

RV Insurance

Some RVs, like motor homes, are considered vehicles in their own right, which means you’ll be required to obtain insurance for them. Allstate offers insurance plans for most RVs, including motor homes and mobile homes.

On top of your standard coverage (liability, comprehensive, personal injury protection, etc.), you can add the following coverage options for your RV:

  • Towing and labor costs coverage: This coverage pays for any labor and towing costs if your RV breaks down.
  • Total loss replacement: If your RV is totaled, you can replace it with a new one of the same make and model.
  • Vacation liability: You can add additional liability protection if someone is injured in or around your RV while you’re on vacation.
  • Full-timer’s liability coverage: You can gain liability coverage, similar to that of homeowners, if you live in your RV for more than six months each year.
  • Emergency expenses: This coverage will pay for expenses, like transportation and hotel costs, if your RV breaks down in a covered loss more than 50 miles from home.

Sizable Home Bundling Discount

On top of great coverage and bundling opportunities for RV owners, Allstate offers saving opportunities and other incentives, which we’ll look at in the section, for homeowners.

Allstate is tied with Liberty Mutual for the biggest home-bundling discount on our list at 25 percent.

Allstate HostAdvantage Plans

If you share your home or apartment with renters, you can sign up for Allstate’s HostAdvantage plan. The plan offers some nice perks and coverage for homesharers who want some added protection.

Here’s what the plan offers:

  • Theft protection: Allstate will help pay for belongings that are stolen when renters are in your home.
  • Property damage: If a renter accidentally damages your personal property, like a TV, Allstate can help cover what your home insurance doesn’t (up to $10,000 per rental host period).
  • Merry Maids discount: Signing up for HomeAdvantage comes with $25 off your first four cleanings with Merry Maids.

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?

If you can afford it, we recommend increasing your bodily injury and property damage limits to $500,000 each. On top of that, we suggest you add collision and comprehensive coverage equal to your vehicle’s actual market value and add uninsured motorist coverage. For home insurance, we recommend you have enough coverage to fulfill the cost of repairs, including labor and materials, to replace your home –also known as the “replacement cost” of your home.

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 maintenance.

Should you bundle home and auto insurance?

You should bundle home and auto insurance if you appreciate the convenience that bundling provides and/or if it’s cheaper.

Keep in mind, however, that bundling isn’t always the most cost-effective option. While it’s true that you can earn a discount by bundling, your overall policy may be more expensive than if you were insured by two different providers.

For example, you might find two very cheap policies for auto and home insurance from two separate providers. Your overall premium might be lower than if you were to bundle with the same provider.

Here’s an example of how your insurance premiums might be more expensive, even with bundling.

Policy Type Annual cost of auto insurance Annual cost of home insurance Bundling discount Savings Total annual premium
Multi-policy bundle from the same provider $1,800

(Provider A)


(Provider A)

15% $510 $2,890
Policies from two separate providers $1,800 (Provider A) $800

(Provider B)

None None $2,600

Rates will vary from person to person and provider to provider, so you should expect to find different rates for both home and auto insurance among different insurance companies.


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 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.


  1. Auto Insurance Shopping and Switch Rates Reach New Highs as Premiums Surge, J.D. Power Finds. J.D. Power. (2023, Apr 27).

  2. Bundle your home and auto insurance. Liberty Mutual Insurance. (2023).

  3. Save up to $1,073 on auto & home insurance. State Farm. (2023).

  4. Of the Americans living in mobile homes, 3 million of them reside in high flood areas. KQED. (2023, Jun 19).