How Much Do You Really Save by Bundling Home and Auto Insurance?

Bundling home and auto insurance with the same carrier saves most households around 15%, or roughly $870 a year, though the real discount ranges from 5% to 25% depending on the insurer. The savings are real, but a bundle is only a good deal if the combined price beats your best separate quotes, not automatically.

How much does bundling actually save, on average?

A 2026 analysis found bundled customers saved about 15%, or just over $869/year, on average compared to buying the two policies separately. Individual carriers report similar but not identical figures: some average closer to $950-$960/year in combined savings for new customers who switch and bundle.

Carrier (reported average)	Typical bundle discount
State Farm	~22%
Farmers	~19%
Nationwide	~17%
Allstate	~17%

Advertised maximums, like "save up to 25-30%," apply only to specific customer profiles and shouldn't be assumed as your own number.

Is bundling always the cheapest option?

No, and this is the part most bundling discount ads skip. A bundle only wins if the combined, discounted price beats the best price you could get buying home and auto from two separate carriers. Some households save more by shopping each policy individually, especially if one carrier is dramatically cheaper for just their home or just their car.

• Always compare the bundle against separate quotes, not against your current unbundled price with the same carrier.
• A 20% discount on an expensive base price can still lose to a 0%-discount quote from a cheaper carrier.
• The only way to know for sure is comparing real quotes side by side, not assuming the advertised discount percentage applies to your situation.

What else besides the discount makes bundling worth it?

Beyond the price, bundling means one renewal date, one point of contact for claims on either policy, and often a single deductible waiver if the same incident (like a tree falling on your house and your parked car) damages both. Those convenience factors matter for some households more than the raw dollar savings.

Can you bundle home and auto with different companies?

No, the bundling discount specifically requires both policies to be with the same carrier. If two different carriers happen to offer you the best individual prices, you keep both discounts' worth of savings by not bundling, since there's no partial-bundle discount across companies.

The only way to know if bundling actually wins for your specific home and vehicles is comparing real numbers. See your home options, your auto options, or start a free quote and let the comparison do the work.