Last reviewed: October 7, 2026.
Compare & Save on Bundle Insurance
Compare quotes with and without a bundle to see how much you could save.
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 auto insurance typically costs, how bundle discounts affect the final number, and where your situation might land relative to the averages.
📋 Key Takeaways
- NAIC’s 2022/2023 auto insurance database report puts the national average auto expenditure at $1,281 per insured vehicle for 2023 (combined average premium: $1,438 per vehicle)
- Bundle discounts vary by company and state; MoneyGeek’s averages range from about 5% (Progressive) to 23% (State Farm)
- Dollar savings depend on your premiums: as a hypothetical, 10% off $3,000 of combined premiums is $300, while 10% off $6,000 is $600
- Florida, Louisiana, and Oklahoma have the highest average costs; Vermont, Wisconsin, and Idaho have the lowest
- Companies do not report discounts the same way: State Farm publishes no fixed percentage, USAA says up to 10% on homeowners with a USAA auto policy, and MoneyGeek reports averages from 5% to 23% for other insurers
- The bundle price at one carrier may not be lower than two best-rate separate policies — comparison shopping both options is essential
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National Average Cost: What NAIC Data Shows
| Coverage Type | Figure | Notes |
|---|---|---|
| Auto insurance — average expenditure per insured vehicle (2023) | $1,281 | NAIC Auto Insurance Database Report; up 19.24% from 2019 |
| Auto insurance — combined average premium per issued vehicle (2023) | $1,438 | NAIC; up 14.42% from 2022 |
| Homeowners insurance — change in average premium, 2021 to 2022 | +10.5% | NAIC Homeowners Insurance Report (dwelling fire and owner-occupied policies); dollar averages vary widely by state |
Average Bundled Cost by State
State-level averages: NAIC publishes state-by-state average premiums in its Auto Insurance Database Report and Homeowners Insurance Report, and each state insurance department publishes its own data. Because figures differ by year, coverage level, and methodology, check those sources for your state rather than relying on a single table, and compare real quotes for your ZIP code.
How the Bundle Discount Affects Your Total Cost
The structure of the bundle discount matters more than most people realize. Some companies apply the discount mainly to the auto premium, others mainly to the home premium, and others split it, and many do not publish the split. Ask each insurer to show the discount on each policy in your quote so you can compare total prices rather than percentages.
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.
| 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 |
Related State Insurance Guides
Frequently Asked Questions
What is the average cost of bundling home and auto insurance?
NAIC data give a national baseline for auto (about $1,281 per insured vehicle in 2023), but homeowners premiums vary even more by state and home. Rather than relying on a single national total, add up your own current home and auto premiums, then compare the combined price of bundled quotes against separate quotes.
How much does bundling home and auto insurance save per year?
How much a bundle saves depends on your premiums and the insurer’s discount. As a hypothetical, a 10% discount on $3,000 of combined premiums is $300 a year, and 15% is $450. In high-premium states the same percentages produce larger dollar savings, but actual discounts vary by insurer and state.
Which state has the highest average bundled home and auto insurance cost?
Florida consistently ranks among the highest-cost states for homeowners insurance. Combined with above-average auto costs, Florida policyholders often face some of the highest bundled costs in the country, though individual quotes vary widely.
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
- NAIC reports a national average auto expenditure of $1,281 per insured vehicle (2023); your combined home and auto cost depends on your state, home, vehicles, and carrier
- MoneyGeek’s average bundle discounts range from about 5% to 23% depending on the company; compare quotes to see your own number
- Dollar savings scale with your premiums; the discount percentage alone does not tell you the final price
- 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
Written and reviewed by Alvaro Barbosa. Not a licensed insurance professional. AI-assisted, human-reviewed. Editorial Policy
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