Updated for 2026: Use this bundle insurance savings calculator to estimate how much a home and auto bundle might reduce your annual premium before you compare quotes.
Compare & Save on Bundle Insurance
Compare quotes with and without a bundle to see how much you could save.
Get Free Quotes NowBundling can be useful, but the advertised discount is only one part of the decision. A 15% discount from an expensive carrier can still cost more than two separate policies from competitive carriers. Use this page to estimate the discount, then compare the final annual price with equal coverage limits and deductibles.
Estimate first, then compare quotes
Run the calculator below, then use the result as a baseline when you request home and auto bundle quotes.
Affiliate disclosure: We may earn a commission at no cost to you.
Bundle Insurance Savings Calculator
Enter your current annual home insurance premium and annual auto insurance premium. The calculator estimates a conservative, typical, and upside bundle-savings range. The 5% to 15% range is the more defensible planning benchmark; any higher result should be verified directly with the insurer. These are planning estimates, not guaranteed quotes.
Last reviewed: October 14, 2026.
How this calculator works
This calculator applies simple planning percentages to the annual home and auto premiums you enter. It does not connect to insurer rating systems, state filings, credit-based insurance scores, claim history, property records, vehicle data, or underwriting rules. Use the result as a shopping baseline, not as a quote.
The public benchmark we rely on is the Insurance Information Institute guidance that some companies may take 5% to 15% off when customers buy two or more policies from the same insurer. Because some carriers advertise higher maximums, the calculator can show a higher scenario, but that number should be treated as an upside case to verify, not as an expected result.
How to use the estimate
- Start with your current annual premiums, not monthly payments, so the total is easier to compare.
- Keep deductibles, liability limits, replacement-cost assumptions, and endorsements the same across quotes.
- Ask whether the bundle discount applies to home, auto, or both policies.
- Compare at least one bundled quote against two separate standalone policies.
- Watch renewal pricing: the first-year discount may not tell you what the second year will cost.
What discount should you assume?
The Insurance Information Institute says some companies that sell homeowners, auto, and liability coverage may take 5% to 15% off your premium if you buy two or more policies from them. The actual percentage depends on the insurer, state, coverage mix, claim history, home characteristics, vehicle profile, and renewal cycle.
| Scenario | Planning assumption | How to interpret it |
|---|---|---|
| Conservative | 5% total savings | Useful when only one policy receives a small discount. |
| Typical | 10% to 15% total savings | A reasonable estimate for comparing quotes before final pricing. |
| High advertised | Above 15% | Possible with some carriers, but not guaranteed and not always the lowest final premium. |
Why the cheapest bundle is not always the best bundle
A bundle quote should be judged on total annual cost and coverage quality. If the home policy has a higher wind or hail deductible, lower replacement-cost assumptions, or weaker water backup coverage, the quote may look cheaper without actually being better.
For state-specific shopping context, start with the insurance by state hub. For a broader data view, see insurance bundling statistics for 2026.
Ready to compare the real number?
| Provider | Bundle Options | Highlights | Best For | Action |
|---|---|---|---|---|
| State Farm | Home + Auto | Strong bundling discount | Families | View Quote |
| Allstate | Home + Auto + Renters | Flexible policy options | Multi-policy shoppers | See Rates |
| Progressive | Auto + Condo | Fast online quote flow | Digital-first buyers | Compare Now |
Use your estimated savings range as a benchmark, then compare live bundle quotes with matching coverage details.
Affiliate disclosure: We may earn a commission at no cost to you.
FAQ
Is the calculator a quote?
No. It is an estimate for planning. Your actual price depends on carrier underwriting, state availability, coverage limits, deductibles, claim history, credit-based insurance score where allowed, home details, and vehicle profile.
Should I use monthly or annual premiums?
Annual premiums are better because they avoid installment fees and make home and auto totals easier to compare side by side.
Does a larger bundle discount always mean more savings?
No. The discount percentage is applied to the carrier’s starting premium. A lower discount on a cheaper starting premium can beat a larger discount on a more expensive policy.
What should I do before switching?
Confirm cancellation timing, mortgage escrow updates, lienholder details, policy effective dates, deductibles, and whether any coverage changes are hidden inside the new quote.
Sources
- Insurance Information Institute: 12 ways to lower your homeowners insurance costs
- Insurance Information Institute: how to save money on car insurance
Disclaimer: This calculator is for informational purposes only and is not insurance, legal, or financial advice. BundleInsuranceGuide.com may earn a commission from affiliate links at no additional cost to you.
Prepare your home records before comparing quotes
Before reviewing homeowners insurance or a home and auto bundle, it can help to organize your home inventory, maintenance records, and key documents. HomeZada is a home management tool that helps homeowners keep that information in one place.
Affiliate disclosure: We may earn a commission if you buy through this link, at no additional cost to you.
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