How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Bundling usually lowers the total bill, but the size of the saving depends on your state, your home, your driving record and the carrier, so compare final quotes rather than discount percentages alone.
- State Farm and USAA stand out for agent support and military households respectively, while GEICO and Progressive appeal most to shoppers who prefer online quotes and digital claims.
- Home coverage details matter as much as price, especially roof age, water damage, replacement cost and wildfire or storm exclusions in higher risk areas.
- A low premium can hide a high deductible, a low liability limit or a claims process that is slow when you need help, so read those three items before you buy.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 State Farm | Agent support and large bundles | See website | No |
 GEICO | Online shoppers who want low friction | See website | No |
 Progressive | Drivers with mixed records | See website | No |
 USAA | Military families | See website | No |
 Allstate | Homeowners who want claim perks | See website | No |
 Liberty Mutual | Custom home and auto coverage | See website | No |
 Nationwide | Families who want broad protection | See website | No |
 Amica | Service focused policyholders | See website | No |
 Travelers | Homeowners in higher risk areas | See website | No |
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The best auto and home insurance companies
Starting priceSee website
Free planNo
State Farm suits households that want one person to call when a car crash and a roof leak happen in the same bad month. With local agents across the United States, it is a natural fit for families who prefer face to face help with coverage choices, deductibles and claim paperwork. The company also offers a wide set of auto and home products, which makes it easier to keep umbrella cover, life cover and banking style services in one place.
The trade off is that a national brand does not mean a national price. State Farm rates, discounts and home eligibility change by state, and homes in wildfire or storm prone areas may face stricter terms. Get a quote for both policies together, then ask the agent to show the price with and without the bundle, and to explain how replacement cost, roof cover and liability limits are set. That comparison tells you more than any advertised saving.
What we like- Very large agent network
- Strong bundle options
- Well rated mobile app for claims and payments
Watch out for- Prices vary a lot by state
- Online only shoppers may find the agent model slower
Starting priceSee website
Free planNo
GEICO is built for people who would rather get a quote on a phone than sit in an office. The quote flow is short, the app handles ID cards, payments and many claims, and the company is often competitive on auto premiums for drivers with clean records. If your main goal is a quick, clear auto quote and a simple home bundle, GEICO deserves a place on the shortlist.
One detail needs care. In some states, GEICO home insurance is arranged through a partner insurer rather than written directly by GEICO itself, which means the claims team and policy wording may come from that partner. Ask who actually underwrites the home policy, how claims are filed, and whether the bundle discount survives if you later change one policy. Those answers matter more than the headline saving.
What we like- Fast online quotes
- Strong mobile app
- Bundling available for home through partners in many states
Watch out for- Home cover is often placed with a partner carrier
- Less local agent support in many areas
Starting priceSee website
Free planNo
Progressive is often the most forgiving option for drivers who do not fit a standard profile, including younger drivers, drivers with a past claim and households with several vehicles. Its online comparison approach also lets you see how its auto price sits next to rivals, which helps when you are weighing a bundle against two separate policies. Telematics programs can reward steady, low mileage driving with lower renewals.
Home insurance is the weaker side of the bundle in some markets, and Progressive may place home cover through partners or limit it in certain areas. Before you commit, check that the home policy covers the risks that matter where you live, such as water backup, roof damage and personal property limits. A good auto price should not pull you into a thin home policy.
What we like- Wide acceptance for higher risk drivers
- Useful comparison tool
- Telematics discounts for safer driving
Watch out for- Home cover availability varies
- Service quality can vary by claim type
Starting priceSee website
Free planNo
For eligible military members, veterans and their families, USAA is hard to beat on service and on the fit of its products to military life. Deployments, frequent moves, vehicles stored on base and homes left vacant for a period are situations USAA handles often, and its staff tend to understand them without long explanations. Bundled auto and home cover is a natural choice for members who move often and want one account to update.
The limit is eligibility. If you are not a member or an eligible family member, USAA is not an option, and there is no point comparing its advertised prices with a quote you cannot buy. Eligible readers should still compare USAA against one or two rivals, because a strong service record does not guarantee the lowest price in every state or for every home type.
What we like- Strong reputation for member service
- Military specific benefits
- Competitive bundled pricing for eligible members
Watch out for- Eligibility is limited to military members and eligible family
- Not open to the general public
Starting priceSee website
Free planNo
Allstate appeals to homeowners who want more than basic cover, with options such as claim free rewards, deductible rewards on some plans and add ons for water backup, identity protection and equipment breakdown. The mix of local agents and digital tools also suits households where one partner prefers an office visit and the other prefers an app. For a family home with valuable contents and a long claim free history, those extras can add real value.
Price is the catch to check. Allstate can be mid priced or higher depending on state and home risk, and some rewards only build up after years without a claim. Ask exactly which perks apply to your plan, whether they survive a first claim, and how the home deductible changes after a storm claim. A reward that disappears at the first claim is less useful than a lower deductible you can count on.
What we like- Claim free rewards on some plans
- Broad agent and online support
- Useful home protection add ons
Watch out for- Premiums can be higher in some states
- Some perks depend on claim history and plan
Starting priceSee website
Free planNo
Liberty Mutual gives shoppers a lot of levers to pull, from new car replacement and accident forgiveness on auto to inflation protection and replacement cost options on home. That flexibility suits households with a newer car, a renovated home or specific items that need higher limits. The quote process lets you test how each option changes the premium, which is helpful when you are deciding where to spend and where to save.
The downside is variation. Two similar households in different states can get very different Liberty Mutual prices, and some of the best discounts require joining a driving program or meeting other conditions. Treat the first quote as a starting point, then adjust deductibles and limits in small steps and watch the total for both policies, not just the auto line.
What we like- Flexible coverage options
- Accident forgiveness on some plans
- Online quotes and local agents
Watch out for- Pricing can be inconsistent between states
- Some discounts require enrolment in telematics
Starting priceSee website
Free planNo
Nationwide works well for families who want one carrier to cover the house, the cars and, if needed, an umbrella policy on top. Features such as a vanishing deductible on some auto plans reward claim free years, and the home range covers many common needs from personal property to liability. It is a steady, mainstream choice rather than a bargain hunter special, and that steadiness is the point for many buyers.
Availability is the main limit. Nationwide does not write every product in every state, and local agent coverage varies, so some shoppers will get a smoother experience than others. Check product availability in your ZIP code early, and confirm whether home cover includes the storm, flood exclusion and roof terms that apply to your property.
What we like- Wide range of home and auto options
- Vanishing deductible on some auto plans
- Strong financial backing
Watch out for- Not available in every state for every product
- Agent availability varies by area
Starting priceSee website
Free planNo
Amica is the pick for buyers who rank claims service above the lowest possible premium. The company has a long record of strong satisfaction scores, and its mutual structure means eligible policyholders may receive dividends when results allow, though those payments are never guaranteed. Policy documents tend to be clear, and the claims process is often described as calm and well organised, which matters most after a serious loss.
You may pay more for that service, especially if you are a younger driver or live in a high risk area. Amica also has a smaller physical footprint than State Farm or Allstate, so shoppers who want a nearby office should check local availability. If the premium gap is small, the service record can justify it, but if the gap is large, get a second quote and compare deductibles side by side.
What we like- High customer satisfaction scores in many surveys
- Dividend policies can return money to eligible policyholders
- Clear policy wording
Watch out for- Prices can be higher than budget rivals
- Fewer local offices than the largest carriers
Starting priceSee website
Free planNo
Travelers has deep experience in home insurance, and that shows in options for newer homes, green rebuilding and equipment breakdown, as well as in underwriting for homes in areas with wind, hail or wildfire exposure. Households with an older home, a recent renovation or a property in a riskier area should include Travelers in the comparison, even if its auto price is not the lowest on day one.
The bundle math needs attention. Travelers may win on home and lose on auto, or the reverse, depending on your drivers and your property. Ask for the bundled total and the two standalone totals, and check how a home claim affects renewal pricing. A carrier that understands your home risk is valuable only if the combined bill still makes sense.
What we like- Strong home insurance expertise
- Green home and equipment options
- Broad business and personal lines
Watch out for- Auto pricing is less often the cheapest
- Quote process can feel detailed
How we chose
We compared carriers on bundle availability, home and auto product range, claims and service reputation, discount structure and state availability, using vendor sites, public reviews and comparison data. Price was treated as a quote specific result, not a fixed number, because auto and home premiums depend on location, home value, roof condition, driving history, credit based factors where allowed and coverage limits. That is why this guide uses See website for starting prices rather than publishing a single premium that would mislead most readers.
What to check before you bundle
This is not financial advice, and insurance choices should reflect your home, your cars, your budget and your tolerance for out of pocket costs after a loss. Start with the same coverage limits at every carrier, so the quotes you compare are truly comparable. Changing the deductible or the liability limit between quotes makes the comparison meaningless, even if one total looks lower.
Match the home policy to the property
Check replacement cost versus actual cash value, especially for the roof. A roof paid at actual cash value after depreciation can leave a large gap after storm damage. Also check water damage, sewer backup, personal property limits for jewellery and electronics, and whether flood or earthquake cover needs a separate policy, since standard home policies usually exclude flood.
Match the auto policy to the drivers
Liability limits should reflect your assets and your risk, not just the state minimum. Collision and comprehensive cover matter most for newer or financed cars, while older cars may suit liability only. Ask about rental cover, roadside help, gap cover for financed vehicles and how a telematics program affects renewal if driving habits change.
Compare the total, then the service
Add both premiums, add expected deductibles, and weigh the claims process. A carrier with a slightly higher premium but a faster, clearer claims service can be the better buy after a serious loss. Read recent customer reviews for claims in your state, and ask each carrier how claims are filed, how long payment usually takes and whether you can choose your own repair shop or contractor.
Frequently asked questions
Is bundling auto and home insurance always cheaper?
No. Bundling often saves money, but not always. If one carrier has a strong auto price and another has a strong home price, two separate policies can cost less in total. Compare the bundled total against the best separate totals before you decide.
How much can I save by bundling?
Savings vary widely by carrier and state, and advertised percentages apply to different base premiums. Focus on the final dollar total for the same coverage limits, and ask the carrier to show the bundled and unbundled prices in writing.
Does bundling mean one deductible for both policies?
Usually no. Auto and home policies keep separate deductibles, so a car claim and a home claim in the same year can each trigger its own deductible. Some carriers offer combined deductible options, but they are not standard, so ask before you assume.
Can I bundle if my home is in a high risk area?
Often yes, but availability and price depend on the risk. Some carriers limit new home policies in wildfire, coastal or storm prone areas, while others will write the policy with higher deductibles or specific exclusions. Get quotes early and check roof, wind and water terms in detail.
Should I switch both policies at the same time?
It is usually simpler to switch both together, but it is not required. Check cancellation terms, refund rules and any gap in cover between the old and new policies. Avoid a gap, even for a day, especially on home cover tied to a mortgage.
What if I only have one car or a rented home?
You can still bundle in many cases, since renters insurance often qualifies for a multi policy discount with auto cover. Ask each carrier whether renters, condo or landlord policies count, and compare that total with a standalone renters policy.
Sources we checked (9)
- https://www.statefarm.com
- https://www.geico.com
- https://www.progressive.com
- https://www.usaa.com
- https://www.allstate.com
- https://www.libertymutual.com
- https://www.nationwide.com
- https://www.amica.com
- https://www.travelers.com
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.