Last reviewed: October 7, 2026.
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Get Free Quotes NowTop Insurance Companies for Bundling Home and Auto (2026 Reviews)
Choosing where to bundle your home and auto insurance is one of the more consequential financial decisions a household makes — not because the amounts are enormous, but because you’re selecting a company you’ll rely on when something goes wrong. The insurer you choose affects not just your annual premium, but how quickly a claim gets resolved, how your rates change over time, and whether your coverage remains available if conditions in your market change.
This guide reviews eight of the largest and most widely available home and auto bundle programs in the US market for 2026. Each review covers the available discount information, financial strength, customer satisfaction data from independent sources, and the types of customers who may find each company’s program a strong fit. Sources include AM Best, J.D. Power, MoneyGeek, and company disclosures.
These reviews are not rankings. The “best” company for bundling depends on your state, risk profile, and priorities. For a side-by-side discount comparison, see our Best Home and Auto Insurance Bundles 2026 comparison. For state-specific cost data, see our bundle insurance cost guide by state.
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At a Glance: Bundle Program Comparison
| Company | Bundle Discount (source) | AM Best | States | Best For |
|---|---|---|---|---|
| State Farm | 23% average (MoneyGeek); no fixed % published | A+ | 50 | Agent-preferred customers, rural areas |
| Allstate | 14% average (MoneyGeek) | A+ | 50 | Customers seeking maximum discount |
| Progressive | 5% average (MoneyGeek) | A+ | 50 | Drivers with non-standard auto profiles |
| Nationwide | 16% average (MoneyGeek) | A | 46 | Midwest/Southeast homeowners |
| Farmers | 18% average (MoneyGeek) | A | 42 | Loyalty-oriented customers, customization |
| Liberty Mutual | Varies by state; confirm with insurer | A | 50 | RV/boat/umbrella bundlers |
| USAA | Up to 10% on home with USAA auto (USAA) | A++ | 50 | Military families (eligibility required) |
| Erie Insurance | Varies by state; confirm with insurer | A | 12 + DC | Mid-Atlantic/Great Lakes customers |
Sources: MoneyGeek (page updated October 1, 2026) for average multi-policy discounts; USAA for its homeowners discount; AM Best ratings and rating actions as publicly reported through 2026 — confirm current ratings at ambest.com. Percentages are averages or company statements, not guarantees.
Detailed Company Reviews
State Farm
Bundle discount: 23% average (MoneyGeek) | AM Best: A+ | Available: All 50 states
State Farm is the largest personal lines insurer in the US by market share and offers one of the most established multi-policy programs in the industry. Their bundle discount applies to both home and auto premiums when both are active with State Farm. The company is particularly known for its nationwide network of exclusive agents — making it a practical choice for customers who prefer in-person service or live in areas where other companies have limited local presence.
State Farm does not publish a fixed bundle percentage; it states that discount names and percentages may vary by state. MoneyGeek puts its average multi-policy discount at 23%. In J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, State Farm scored 661 against an industry average of 682. AM Best lowered State Farm Group’s financial strength rating from A++ to A+ (Superior) in November 2025.
One significant caveat: State Farm has restricted new homeowners policy issuance in California and has also made underwriting adjustments in other high-risk markets. If you’re in an area with elevated wildfire, flood, or wind risk, it’s worth confirming State Farm’s current availability before expecting a bundle there.
Strengths
- Largest agent network in the US
- AM Best A+ (Superior); lowered from A++ in November 2025
- Multi-policy discount applies when both policies are active with State Farm
- Available in all 50 states
Considerations
- J.D. Power 2025 property claims score of 661, below the 682 industry average
- Homeowners availability limited in CA and some high-risk areas
- Pricing tends to be less competitive for high-risk drivers
Allstate
Bundle discount: 14% average (MoneyGeek) | AM Best: A+ | Available: All 50 states
Allstate offers a multi-policy discount and is available nationally through both exclusive agents and direct-to-consumer channels. MoneyGeek puts its average multi-policy discount at 14%, though the amount you receive depends on your state and profile. It also offers several discounts that can combine with the multi-policy discount, including discounts for new homebuyers, early policy signing, and claims-free histories.
Allstate’s AM Best rating is A+ (Superior). Customer-experience results vary by study and region, so it is worth checking the latest J.D. Power results and your state insurance department’s complaint data. Its digital tools (the Allstate app and Drivewise telematics program for auto) receive generally positive reviews.
Strengths
- Multi-policy discount that can combine with other discounts
- Strong digital tools and app
- Nationwide availability
- Multiple stackable discount programs
Considerations
- Customer-experience results vary; compare complaint data in your state
- Some customers report rate increases at renewal
- Discount amounts vary by state
Progressive
Bundle discount: 5% average (MoneyGeek) | AM Best: A+ | Available: All 50 states
Progressive is the second-largest US auto insurer and has expanded its homeowners program substantially. MoneyGeek puts its average multi-policy discount at 5%, and the company is well-positioned for customers whose primary concern is competitive auto rates. Progressive is known for competitive pricing for non-standard auto risks — drivers with accidents, DUI history, or SR-22 requirements — which are profiles other carriers often price at a premium.
One important nuance: Progressive homeowners insurance is often written by a third-party underwriter (Homesite or ASI) rather than by Progressive directly. This means claims on the homeowners side may involve a company you’ve never directly interacted with. In J.D. Power’s 2025 U.S. Auto Claims Satisfaction Study, Progressive scored 673 against an industry average of 700. AM Best rates Progressive A+ (Superior).
Strengths
- Highly competitive auto rates, especially for non-standard drivers
- Strong auto claims technology (Snapshot telematics)
- Nationwide availability
Considerations
- Homeowners often underwritten by third-party (not Progressive directly)
- Below-average 2025 auto claims satisfaction (673 vs. 700, J.D. Power)
- Bundle value most apparent when auto is the primary policy
Nationwide
Bundle discount: 16% average (MoneyGeek) | AM Best: A | Available: 46 states
Nationwide offers a well-rounded bundle program, and MoneyGeek puts its average multi-policy discount at 16%. In J.D. Power’s 2025 U.S. Auto Claims Satisfaction Study it ranked 4th with a score of 729 against an industry average of 700. Its SmartRide telematics discount for auto and Brand New Belongings endorsement for homeowners are standout features that can add value beyond the base multi-policy discount. Nationwide’s homeowners coverage is its own product (not third-party underwritten), which gives it more direct control over claims handling. AM Best lowered Nationwide’s rating to A (Excellent) in November 2025.
Not available in Alaska, Hawaii, Louisiana, and Massachusetts. For customers in those states, alternatives will be necessary.
| 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 |
Strengths
- J.D. Power 2025 auto claims score of 729 (4th; industry average 700)
- Homeowners underwritten by Nationwide directly
- SmartRide telematics + Brand New Belongings endorsement
- Competitive in Midwest/Southeast markets
Considerations
- Not available in 4 states
- Pricing less competitive in some coastal and high-risk markets
USAA
Bundle discount: Up to 10% on home with USAA auto (USAA) | AM Best: A++ | Available: All 50 states (military/veterans only)
USAA is not ranked in J.D. Power’s consumer studies because eligibility is limited to military members and their families, so this guide has no comparable score for it. AM Best rates USAA A++ (Superior), its highest tier (affirmed in July 2025). For eligible households, that financial strength together with a bundle program worth comparing makes USAA a common starting point.
The caveat is eligibility: USAA is available only to active duty military, veterans who served honorably, and their immediate family members (spouses and children). If you don’t qualify, USAA is not an option. USAA says it offers up to 10% off homeowners insurance when bundled with a USAA auto policy; check usaa.com for the current conditions, including how long the auto policy must be in force.
Strengths
- Published homeowners discount (up to 10% with USAA auto)
- A++ AM Best financial strength
Considerations
- Eligibility limited to military families
- Not ranked by J.D. Power because of its eligibility limits
Erie Insurance
Bundle discount: Varies by state | AM Best: A | Available: 12 states + DC
Erie Insurance is a regional carrier that performs strongly in customer-satisfaction research. In J.D. Power’s 2025 U.S. Auto Claims Satisfaction Study, Erie had the highest score at 743, against an industry average of 700. Its pricing is often cited as competitive in the Mid-Atlantic and Great Lakes markets where it operates. AM Best lowered Erie’s financial strength rating to A (Excellent) in September 2025.
Erie is only available in: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia. If you’re outside these states, Erie isn’t an option — but if you’re inside their service area, they’re worth including in any bundle quote comparison.
Strengths
- J.D. Power 2025 auto claims score of 743, the highest in the study
- AM Best A (Excellent) financial strength rating
- Competitive pricing in operating states
- Strong regional claims reputation
Considerations
- Only available in 12 states + DC
- Less brand recognition outside its regional footprint
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How to Choose Between These Companies
With several strong options available, the right choice usually comes down to a combination of pricing in your specific state and what you value most in an insurer. If you also want to price a direct writer, read our GEICO home and auto bundle review.
- If pricing is your primary concern: Get quotes from at least three companies (ideally including a regional carrier like Erie if you’re in their footprint) and compare total combined premiums — not just the discount percentage.
- If claims experience matters most to you: J.D. Power scores and your state insurance department’s complaint data are useful proxies. In J.D. Power’s 2025 auto claims study, Erie (743), Liberty Mutual (730) and Nationwide (729) scored above the 700 industry average, while Progressive (673) scored below it.
- If you have a non-standard auto profile: Progressive is often worth including in your comparison, as their auto pricing model is more accommodating of drivers with prior incidents.
- If you want to bundle multiple policy types: Liberty Mutual, Allstate, and Nationwide offer broad multi-policy programs that extend to umbrella, motorcycle, boat, and renters policies.
- If you’re active military or a veteran: USAA is worth including in your comparison if you are eligible.
Related State Insurance Guides
Frequently Asked Questions
Which insurance company has the best bundle discount?
Published bundle discounts vary widely, and the advertised maximum can differ from what a customer actually receives. For example, MoneyGeek’s averages range from about 5% (Progressive) to 23% (State Farm). The total premium after the discount is more meaningful than the discount percentage alone.
Is Erie Insurance only available in certain states?
Yes. Erie operates in 12 states and the District of Columbia: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. If you live outside these states, Erie is not an available option.
Does bundling with a company that has a lower J.D. Power score mean worse claims service?
J.D. Power scores reflect average customer experiences across thousands of policyholders and are a useful directional signal — but they don’t determine how your individual claim will be handled. A company with a below-average score can still handle individual claims well; conversely, a highly-rated company can occasionally fall short. These scores are best used as one factor among several in the comparison, rather than as a definitive predictor.
Can I split my bundle — homeowners with one company, auto with another — and still get a discount?
No. Multi-policy discounts require both policies to be active with the same insurer. There is no discount for having policies with two different companies. That said, some consumers find that carrying separate policies with different companies results in a lower total cost than a bundle, particularly in states where one company’s pricing is significantly lower for one line of business. Comparing both approaches is worth doing if you’re in a state with concentrated risk exposure.
Key Takeaways
- No single company is objectively the “best” for all customers — the right bundle depends on your state, risk profile, priorities, and eligibility.
- Erie Insurance led J.D. Power’s 2025 auto claims study (743) but operates in only 12 states and DC; USAA is not ranked and requires military eligibility. For customers who qualify and live in these footprints, both are worth including in a comparison.
- State Farm’s agent network and AM Best A+ rating (lowered from A++ in November 2025) make it a common baseline; average bundle discounts reported by MoneyGeek range from 5% to 23% across the companies it covers.
- J.D. Power scores and AM Best ratings are useful supplementary signals alongside pricing — especially for evaluating claims service quality and financial stability.
- Getting quotes from at least three insurers — including any strong regional carriers in your area — is a widely recommended practice before making a bundle decision.
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