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
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 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.
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Bundle Insurance Savings Calculator
Enter your current annual home insurance premium and annual auto insurance premium. The calculator estimates a conservative, typical, and high bundle-savings range. These are planning estimates, not guaranteed quotes.
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.