Bundling discount calculator
Estimate how much you save by bundling home and auto insurance with the same company.
Bundling discount calculator
See how much you save by bundling home and auto insurance with the same insurer.
This is an estimate for informational purposes only based on national and state averages. Actual rates vary by insurer and individual circumstances. For an accurate quote, contact a licensed insurance agent.
When bundling beats separate policies
Bundling home and auto insurance is one of the most commonly recommended money-saving moves in personal finance — and for good reason. A 15-20% discount on both policies can save hundreds of dollars annually with zero change in coverage. The insurer benefits from customer retention and administrative efficiency; you benefit from the discount and the convenience of one policy, one renewal date, and one agent.
When separate policies win
Bundling loses when the best auto insurer and best home insurer are different companies. USAA dominates in claims satisfaction but is limited to military families. GEICO offers the lowest auto rates for many drivers. State Farm leads in home insurance claims service. If you want the best of each, you will pay separately and forego the bundle discount. The question is whether the quality difference justifies the lost discount.
Always shop the bundle
Get bundled quotes from 3-4 insurers, then compare that combined cost to your best separate quotes. The spread can be significant. Do this at each renewal — your individual risk profile changes, insurer pricing strategies shift, and new competitors enter markets regularly. The best bundle today may not be the best bundle in 18 months.