Compare & Save on Bundle Insurance
Bundle your home and auto insurance and save up to 25% per year. Get free quotes from top-rated insurers in minutes.
Get Free Quotes NowOne of the most common questions for homeowners comparing insurance options is simple: what does it actually cost to bundle, and how much does it save?
The honest answer is that average figures give you a useful starting point — but insurance costs vary so much by state, carrier, and individual circumstances that national averages can mislead as easily as they inform. This guide uses publicly available NAIC data to explain what bundled home and auto insurance typically costs, how bundle discounts affect the final number, and where your situation might land relative to the averages.
📋 Key Takeaways
- National average combined home + auto premium (pre-discount): ~$3,125/year (NAIC data)
- With a typical bundle discount, the bundled total falls to roughly $2,700-$2,900/year for many households
- Annual savings typically range from $150 to $700, depending on state and carrier
- Florida, Louisiana, and Oklahoma have the highest average costs; Vermont, Wisconsin, and Idaho have the lowest
- The largest bundle discounts on auto come from Nationwide and Farmers (up to 20%); the largest on home from Allstate (up to 25%)
- The bundle price at one carrier may not be lower than two best-rate separate policies — comparison shopping both options is essential
National Average Cost: What NAIC Data Shows
| Coverage Type | National Average (Annual) | Notes |
|---|---|---|
| Homeowners insurance | ~$1,582 | Wide variation: FL ~$3,600-$6,000+, VT ~$800 |
| Auto insurance (full coverage) | ~$1,543 | Full coverage (liability + comp + collision) |
| Combined (no bundle) | ~$3,125 | Separate policies, no discount |
| Combined (with 10% auto + 5% home bundle) | ~$2,892 | Saves ~$233/year |
| Combined (with 17% auto + 10% home bundle) | ~$2,705 | Saves ~$420/year |
Source: NAIC average premium data. Auto figures represent full-coverage policies. All figures are national averages; individual and state-level costs will differ substantially.
Average Bundled Cost by State
| State | Avg. HO Premium | Avg. Auto Premium | Combined (No Bundle) | Est. Bundled Total* |
|---|---|---|---|---|
| Florida | ~$4,200 | ~$2,400 | ~$6,600 | ~$5,900-$6,100 |
| Louisiana | ~$2,800 | ~$2,200 | ~$5,000 | ~$4,400-$4,600 |
| Oklahoma | ~$2,500 | ~$1,600 | ~$4,100 | ~$3,600-$3,800 |
| Texas | ~$2,100 | ~$1,800 | ~$3,900 | ~$3,400-$3,600 |
| National Average | ~$1,582 | ~$1,543 | ~$3,125 | ~$2,750-$2,900 |
| Ohio | ~$1,100 | ~$1,200 | ~$2,300 | ~$2,000-$2,100 |
| Wisconsin | ~$900 | ~$1,100 | ~$2,000 | ~$1,750-$1,850 |
| Vermont | ~$850 | ~$900 | ~$1,750 | ~$1,520-$1,620 |
*Estimated bundled total applies a 10% auto discount + 5% home discount. Sources: NAIC average premium data and industry reporting. All figures are approximate averages.
How the Bundle Discount Affects Your Total Cost
The structure of the bundle discount matters more than most people realize. Auto-primary carriers (State Farm, Nationwide, Farmers, Progressive) apply the discount mainly to the auto premium. Home-primary carriers like Allstate apply the larger discount to the home premium. Split-discount carriers apply a moderate discount to both policies. For more detail on how discounts are structured, see our guide on how the multi-policy discount works.
Is the Bundle Price Lower Than Two Separate Best-Rate Policies?
This is the question that matters most. Research consistently shows that bundling at one carrier doesn’t always produce the lowest combined total. The gap depends on how competitive each carrier is on each line in your specific state. See our state-by-state bundle rate guide for more detail on regional variation.
Frequently Asked Questions
What is the average cost of bundling home and auto insurance?
Using NAIC national averages as a baseline, the combined pre-discount total for home and auto is approximately $3,125 per year ($1,582 home + $1,543 auto). With a typical 10%-17% auto bundle discount and a 5%-10% home discount, the bundled annual total falls to approximately $2,700-$2,900 for many households.
| 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 |
How much does bundling home and auto insurance save per year?
At national average premiums, the typical household saves $150-$550 per year by bundling, depending on which carrier’s discount structure applies. In high-premium states like Florida or Louisiana, savings of $400-$800 annually are possible.
Which state has the highest average bundled home and auto insurance cost?
Florida consistently has the highest average homeowners insurance costs nationally, often exceeding $3,600-$6,000 annually in many areas. Combined with above-average auto costs, Florida policyholders face total bundled insurance costs that can reach $6,000-$8,500 or more.
Is the bundled price always lower than buying policies separately?
Not always. The bundle discount at one carrier can be offset by higher base rates on one or both lines. Comparing bundled quotes from three or more carriers alongside the best separate-rate combination is the most reliable way to find the lowest total cost.
Key Takeaways
- The national average combined home + auto premium is approximately $3,125/year before any bundle discount
- With a mid-range bundle discount, the bundled total often falls to $2,700-$2,900/year
- Annual savings typically range from $150-$550 at national average premiums
- Florida, Louisiana, and Oklahoma are among the most expensive states; Vermont, Wisconsin, and Iowa are among the least expensive
- Which policy the discount applies to matters — auto-primary vs. home-primary discount structures produce very different dollar savings
Disclaimer: The content on this page is for informational purposes only and does not constitute insurance, legal, or financial advice. BundleInsuranceGuide.com may earn a commission from affiliate links on this page at no additional cost to you.
About the Author
Marcus Webb is a personal finance writer specializing in insurance and consumer protection. He has covered home, auto, and life insurance for over eight years.