Home and Auto Insurance Bundle: How Much Can You Save in 2026?
Bundling home and auto with the same insurer is the most commonly available single insurance discount. Typical savings are 10 to 25% on your combined premiums. But bundling is not always the best deal. Here is the complete picture.
Home + Auto Bundle Discounts by Company
| Company | Advertised Discount | Est. Dollar Savings | Notes |
|---|---|---|---|
| American Family | Up to 40% | Up to $914/yr | Highest advertised discount. Available in 19 states. |
| State Farm | Up to $1,273/yr | ~18-22% | Dollar savings advertised, not percentage. Varies significantly by state. |
| Liberty Mutual | $950+/yr | ~20-25% | Dollar amount advertised. Requires both home and auto policies. |
| Allstate | Up to 25% | Up to $571/yr | Bundled as DP&H (Drivewise) + home. Widely available. |
| Nationwide | Up to 15% | Up to $343/yr | Multi-policy discount stacks with other discounts. |
| USAA | Up to 10% | Up to $228/yr | Military and family members only. Lower discount but already lowest base rate. |
| Farmers | Up to 10% | Up to $228/yr | Higher base rates offset the discount vs competitors in many markets. |
| Progressive | Up to 10% | Up to $228/yr | Home underwritten by third parties in many states. Verify the home insurer's AM Best rating. |
| Travelers | Up to 10% | Up to $228/yr | Strong auto program. Home pricing competitive in some markets. |
Dollar savings estimates based on national average home insurance premium of $2,285/yr. Actual savings vary by state, coverage levels, and individual risk profile. Sources: company websites and U.S. News 2026 data.
When Bundling is NOT the Best Deal
The bundle discount only makes sense if the insurer is competitive on both lines. Here is a worked example showing when buying separately beats bundling.
Bundling Scenario
Buying Separately (Better Deal)
In this example, getting each policy from the cheapest provider beats the bundle by $250/year even without the discount.
What Else Can You Bundle With Home Insurance?
Most common bundle. Available from nearly every major insurer.
Adds $1M+ liability coverage. Often required to be purchased with home or auto.
Available from State Farm, Nationwide, Progressive, USAA, and others.
Bundled with home or auto at major carriers.
Some insurers offer multi-line discounts that include life policies.
Relevant if you own a rental property or transition from renting to owning.