Amica, State Farm, and USAA lead the pack in 2025 with high-value bundling options.
Bundling home and auto insurance remains one of the most effective ways to save money on essential coverage. While many providers advertise savings of up to 30%, not all bundles are created equal. To help you identify the best value for your situation, we’ve researched and reviewed the top insurers offering home and car insurance bundles in 2025. We evaluated pricing, customer satisfaction, bundling discounts, and unique policy features to guide your decision.
Why Trust Our Rankings?
Our evaluations are based on independent research, analysis of verified customer feedback, and industry ratings from sources like J.D. Power and AM Best. We’ve only included insurers with a presence in at least 10 states, strong financial health, and a minimum 4.5-star average rating across both home and auto policies.
Top Auto and Home Insurance Bundle Providers for 2025
1. American Family Insurance
Bundling Discount: Up to 23%
Auto Insurance Average Premium: $2,132/year
Home Insurance Average Premium: $2,745/year
Why It Stands Out: American Family’s bundled offerings are ideal for policyholders seeking extensive coverage options and lower-than-average consumer complaints. Their Diminishing Deductible program rewards customers with $100 reductions annually for each claim-free year.
Notable Features:
- Customizable coverage options.
- Diminishing Deductibles apply to both auto and home.
- High customer satisfaction.
Drawback:
- Limited geographic availability.
Real Example: A Wisconsin homeowner who bundled their American Family policies reported an annual savings of $710 and a reduction in their deductible by $300 over three years.
2. Amica Mutual Insurance
Bundling Discount: Up to 30%
Auto Insurance Average Premium: $3,215/year
Home Insurance Premium: Not disclosed
Why It Stands Out: Amica consistently receives high marks for customer satisfaction and low complaint ratios. Their dividend policies can return up to 20% of the annual premium.
Unique Features:
- Dividend-paying policies.
- Premium coverage packages.
- Easy digital claims handling.
Limitations:
- Coverage not available in Hawaii (both policies) and Alaska (home insurance).
Case Study: A Rhode Island couple using Amica’s dividend option reported receiving nearly $400 back after their first year.
3. Auto-Owners Insurance
Bundling Discount: Varies
Auto Insurance Average Premium: $1,892/year
Home Insurance Average Premium: $2,380/year
Why It Stands Out: Known for its personalized approach through independent agents, Auto-Owners offers extensive coverage customization and a unique deductible offset feature when the same incident affects both your home and vehicle.
Key Benefits:
- Agent-driven, personalized service.
- Deductible offsets for multi-policy claims.
Drawbacks:
- No online quotes.
- Availability limited to about half the U.S.
Verified Experience: A homeowner in Michigan saved nearly 20% by bundling with Auto-Owners and used their offset feature after a hailstorm damaged both their roof and car.
4. State Farm
Bundling Discount: Up to $1,356/year
Auto Insurance Average Premium: $2,318/year
Home Insurance Average Premium: $2,185/year
Why It Stands Out: As the largest insurer in the U.S., State Farm offers extensive bundling opportunities with generous home coverage and the Drive Safe & Save program, which rewards safe drivers with significant discounts.
Advantages:
- Free fire-prevention smart home device.
- Wide array of policy types including RV, farm, and small business.
Disadvantages:
- Lacks gap insurance.
- Fewer advertised home insurance discounts.
Real-World Example: A Florida family earned over $1,000 in discounts by bundling and participating in Drive Safe & Save, with telematics tracking their driving habits.
5. Travelers Insurance
Bundling Discount: Varies
Auto Insurance Average Premium: $1,754/year
Home Insurance Average Premium: $2,055/year
Why It Stands Out: Travelers is a solid choice for those seeking eco-friendly home benefits, accident forgiveness, and varied policy customization.
Top Features:
- Eco-friendly home discount.
- Premier Responsible Driver Plan with deductible reduction.
Cons:
- Limited availability for rideshare coverage.
Actual Savings: A couple in Oregon reported bundling their eco-certified home and vehicles with Travelers, receiving a total discount of $1,200.
6. USAA (For Military Families Only)
Bundling Discount: Up to 10%
Auto Insurance Average Premium: $1,463/year
Home Insurance Average Premium: $1,790/year
Why It Stands Out: USAA is unparalleled for military families, offering exceptional service, competitive pricing, and unique military-focused benefits.
Benefits:
- Replacement cost coverage for personal belongings.
- Coverage for military uniforms with no deductible.
- One-stop financial services.
Caveat:
- Only available to military members, veterans, and their families.
Case Study: An Army veteran from Texas noted a 9.5% reduction in overall premiums after bundling with USAA, with seamless claim handling for both his vehicle and home during a flood event.
How Bundling Works
When you bundle home and auto insurance, you purchase both from the same provider, often qualifying for a discount. This benefits both the insurer—who gains more of your business—and you, who receives a lower rate and the convenience of consolidated billing and claims.
Additional Bundling Options
Besides home and auto, many insurers let you bundle:
- Umbrella insurance
- Boat or RV coverage
- Life insurance
Pros and Cons of Bundling
Benefits
- Lower Premiums: Discounts up to 30% in some states.
- Simplified Management: Unified billing and claims.
- Loyalty Leverage: Staying with one provider may reduce the chance of policy cancellation after claims.
Downsides
- Less Shopping Around: You may skip comparing rates.
- Not Always the Cheapest: Separate policies might be more economical in some scenarios.
- False Bundles: If your policies are issued by affiliate partners, you may not truly benefit from full integration.
Should You Bundle Your Insurance Policies?
Bundling is generally a good idea—but not always. To determine whether it works for you:
- Compare both bundled and separate quotes.
- Factor in policy details, not just pricing.
- Assess your risk profile—drivers with a recent accident might save more with a bundle, while others benefit more from individually optimized rates.
Tips for Bundling Smartly
- Use an independent agent to compare bundled and unbundled policies.
- Ask about affiliate partners—they may impact your experience.
- Re-shop annually, especially after major life events or credit changes.
- Understand credit impacts—in many states, credit scores affect premiums more than claims.
Methodology
We selected providers that:
- Offer bundling discounts.
- Are available in 10+ states.
- Received a minimum of 4.5 stars in both auto and home insurance reviews.
NerdWallet’s scoring includes factors like financial strength, consumer complaints, coverage variety, discounts offered, and overall customer experience.
Final Thoughts
Bundling home and auto insurance remains a top strategy to lower premiums, improve convenience, and unlock perks—especially when choosing highly-rated providers. For 2025, companies like Amica, State Farm, and USAA continue to shine with high-value bundling options. However, the best bundle for you depends on your personal circumstances, location, risk profile, and coverage preferences. Take the time to compare quotes, ask questions, and tailor your bundle for the best mix of savings and service.
