10 Best Companies for Bundling Home and Car Insurance in 2025

AAA stands out as the ultimate choice for the best company for bundling home and car insurance, providing competitive rates starting at just $58 per month for complete coverage.

Together with Allstate and Farmers, they offer affordable rates and comprehensive coverage options that cater to your driving needs.

Our Top 10 Picks: Best Companies for Bundling Home and Car Insurance

We’ll help you find the best company for bundling home and car insurance by discussing necessary coverages, typical rates, and offering a free quote comparison tool by entering your ZIP code.

#1 – AAA: Top Overall Pick

Pros

• Customized Policies: AAA offers tailored coverage options for vehicles.
• Competitive Rates: AAA provides budget-friendly pricing. Begin your affordability exploration with our AAA auto insurance review.
• Discount Options: AAA provides various discount opportunities, including those for vehicles.

Cons

• Limited Access to Local Agents: AAA mainly operates through local agents, which may not be widely available.
• Coverage Limitations: Some policy enhancements may not fully meet the needs of vehicles.

#2 – Allstate: Best for Bundling Benefits

Pros

• Discount Opportunities: Allstate offers customized discount options for individuals.
• Financial Security: Allstate benefits from the backing of a financially sound corporation.
• Outstanding Customer Support: Allstate is well-known for its quick and easily accessible service.

Cons

• Coverage Restrictions: Certain additional policy features may not fully meet individual needs. Consult our Allstate auto insurance review for guidance.
• Claims Processing: Individuals may experience delays or difficulties during the claims process.

#3 – Farmers: Best for Affordable Bundle

Pros

• Customized Policies: Farmers, as highlighted in our Farmers auto insurance review, customizes coverage to suit individual needs.
• Affordable Premiums: Farmers offers competitively priced car insurance.
• Discount Opportunities: Farmers presents various discounts, including those for auto insurance.

Cons

• Restricted Accessibility: Farmers primarily operates through local agents, which could be unavailable in certain regions.
• Coverage Restrictions: Certain additional coverage options may not fully align with specific requirements.

#4 – Liberty Mutual: Best for Comprehensive Coverage

Pros

• Tailored Policies: Liberty Mutual offers personalized coverage options for automobile insurance.
• Competitive Prices: Liberty Mutual provides affordable rates.
• Exceptional Customer Service: Liberty Mutual is widely recognized for its prompt and user-friendly service.

Cons

• Restricted Membership: Liberty Mutual membership is limited to military personnel, veterans, and their families.
• Limited Availability: The availability of Liberty Mutual’s services may vary by location. Refer to our Liberty Mutual auto insurance review for more details.

#5 – Progressive: Best for Customizable Policies

Pros

• Customized Policies: In our Progressive car insurance review, customized coverage options cater to car.
• Robust Rates: Progressive provides affordable pricing.
• Price Reduction: Progressive offers various discount opportunities, including those specific to seniors.

Cons

• Claims Processing: Individuals may encounter delays or complications during the claims process.
• Limited Discount Options: Progressive may not offer as wide a range of discounts as some of its competitors.

#6 – Nationwide: Best for Extensive Discounts

Pros

• Discount Opportunities: Nationwide provides various discount options.
• Financial Stability: Nationwide is backed by a financially strong company.
• Outstanding Customer Support: Nationwide is recognized for its responsive and user-friendly service.

Cons

• Claims Handling: Individuals may encounter delays in claims processing, as noted in our Nationwide car insurance review.
• Limited Discount Options: Nationwide may not offer as diverse a range of discounts as some of its competitors.

#7 – American Family: Best for Customer Support

Pros

• Advanced Coverage Options: American Family provides unique coverage options like Accident Forgiveness and Deductible Rewards, adding value to their policies.
• User-Friendly Digital Tools: With intuitive mobile apps and online platforms, American Family simplifies policy management and claims processing for customers.
• Solid Financial Foundation: American Family’s strong financial stability ensures policyholders have a dependable and secure insurance provider.

Cons

#8 – Erie: Best for Local Presence

Pros

• Customized Coverage: Erie provides personalized coverage options for car insurance policies.
• Competitive Pricing: Erie offers affordable rates compared to other insurers.
• Outstanding Customer Support: Erie is renowned for its quick and user-friendly service.

Cons

• Membership Restrictions: Erie membership is restricted to military members, veterans, and their families.
• Availability Limitations: Erie’s availability may differ depending on the location. For more information, refer to our Erie car insurance review.

#9 – Travelers: Best for Exclusive Savings

Pros

• Affordable Rates: Our Travelers car insurance review highlights their competitive and budget-friendly pricing.
• Versatile Coverage Options: Travelers offers customizable policies to suit individual needs.
• Discount Opportunities: Travelers provides a variety of discounts, including those specifically tailored for automobiles.

Cons

• Limited Agent Presence: Travelers primarily operates through online channels and phone services, with fewer local agents available.
• Coverage Restrictions: Some policy enhancements may not fully address the requirements of classic cars.

#10 – USAA: Best for Military Benefits

Pros

• Reserved for Military Personnel: USAA exclusively caters to military members and their families, providing specialized coverage.
• Highly-Rated Customer Service: USAA consistently receives acclaim for its exceptional customer service, placing members’ needs at the forefront.
• Competitive Pricing: USAA often offers competitive rates, appealing to budget-conscious policyholders.

Cons

• Restricted Qualification: Our USAA insurance review notes that eligibility is limited to military personnel and their families, excluding the general public.
• Limited Brick-And-Mortar Presence: USAA prioritizes online and phone-based services, resulting in fewer physical branch locations.

Benefits of Bundling Home and Car Insurance

Insurers Benefiting from Offering Combined House and Car Insurance Policies

Insurance companies offer deep discounts for combined insurance policies because the more you insure with them, the longer you probably will stay with them.

Insurance Companies Offering the Best Insurance Bundles

Bundling my Home and Car Insurance Policies

Downsides of Bundling Insurance Policies

Case Studies: Bundling Policies for Auto and Home Insurance

Bundling home and auto insurance policies can save money and simplify coverage, including insurance for a classic car. Let’s explore three case studies showcasing the benefits of bundling with reputable insurers, providing insights into maximizing savings and coverage.

• Case Study 1 – Saving on Premiums With Unity Insurance Company: Sarah Thompson bundled her auto and home insurance with Unity Insurance Company, saving 15% on premiums while enjoying convenience and comprehensive coverage.
• Case Study 2 – Streamlining Coverage With Shield Insurance Group: John Reynolds streamlined his insurance with Shield Insurance Group by bundling his auto and home policies, resulting in a 10% premium reduction and peace of mind.
• Case Study 3 – Maximizing Discounts With Secure Coverage Assurance: Mary Johnson in New York optimized her coverage with Secure Coverage Assurance, bundling her auto and home policies for a 20% premium reduction, ensuring comprehensive protection at an affordable price.

Bundling Insurance Policies: The Bottom Line