Compare & Save on Bundle Insurance
Compare quotes with and without a bundle to see how much you could save.
Get Free Quotes NowState Farm and Progressive are two of the most recognized names in US auto insurance — but when it comes to bundling home and auto policies, they operate very differently. State Farm underwrites both home and auto directly under its own brand. Progressive, particularly for home insurance, often serves as a marketplace connecting customers with third-party underwriters.
This comparison examines what that difference means in practice: how their bundle discounts compare, what their claims records show, and which situations each carrier may suit better.
📋 Key Takeaways
- Neither carrier publishes one fixed bundle percentage: State Farm says discount percentages and eligibility vary by state, so compare real quotes
- State Farm underwrites both home and auto directly; Progressive’s home policy is often through a third-party carrier
- Compare each company’s claims score in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (industry average: 700 out of 1,000)
- AM Best rates Progressive A+ (Superior) (AM Best); it lowered State Farm Group to A+ (Superior) from A++ in November 2025 (The Insurer) — both are financially strong
- Progressive may suit non-standard risk drivers better; State Farm suits standard-risk bundlers better
- Neither is universally cheaper — comparing both quotes for your ZIP code is the only reliable method
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Side-by-Side Comparison
| Factor | State Farm | Progressive |
|---|---|---|
| Bundle discount — Auto | Varies by state (no fixed % published) | Varies by state and underwriter |
| Bundle discount — Home | Varies by state | Varies by underwriter |
| Home insurance underwriter | State Farm (direct) | Third-party (state-dependent) |
| AM Best financial rating | A+ (Superior), lowered from A++ in Nov. 2025 | A+ (Superior) |
| J.D. Power Auto Claims | See J.D. Power 2025 study (industry avg. 700) | See J.D. Power 2025 study (industry avg. 700) |
| NAIC auto complaint index | Check your state’s complaint data | Check your state’s complaint data |
| Agent model | Captive agents + online | Online-first + independent agents |
| Usage-based discount program | Drive Safe & Save | Snapshot |
| Non-standard auto acceptance | Limited | Strong — key competitive advantage |
| National availability | 50 states (home limited in some) | 50 states |
Sources: AM Best (Progressive), The Insurer (State Farm Group), J.D. Power 2025 U.S. Auto Claims Satisfaction Study, and State Farm’s discounts page. Last reviewed October 2026.
State Farm Bundle: Key Facts
State Farm is among the largest property and casualty insurers in the United States. AM Best lowered its rating on State Farm Group to A+ (Superior) in November 2025, from A++ (The Insurer). A+ is still a strong rating and the second-highest on AM Best’s scale.
Bundle Discount Structure
State Farm says additional savings are available if you carry other State Farm products, such as home, renters, condo, or life insurance, with your vehicle policy. It does not publish a fixed percentage: State Farm’s discounts page notes that discount names, percentages, availability, and eligibility vary by state. Ask for quotes with and without the bundle to see your own number.
Home Insurance Availability
State Farm underwrites its own home insurance in most states — meaning the same company handles both your auto and home claims. This single-carrier model is a meaningful advantage in catastrophe situations where coordinating between two separate carriers adds complexity. However, State Farm has limited or paused new home insurance policies in some high-risk states, notably California and parts of Florida.
Claims and Customer Satisfaction
The J.D. Power 2025 U.S. Auto Claims Satisfaction Study (October 2025) put the industry average at 700 out of 1,000, with Erie (743), NJM (731), and Liberty Mutual (730) ranking highest, as reported by InsuranceNewsNet. See J.D. Power’s study page for State Farm’s own score, and check your state insurance department for complaint data on the company that would issue your policy.
Progressive Bundle: Key Facts
Progressive is one of the largest auto insurers in the US. It is well known for its willingness to accept drivers that many standard carriers decline — including those with recent violations, at-fault claims, or lapses in coverage.
Bundle Discount Structure
Progressive’s bundle savings depend on the state and on the company that underwrites the home policy, so ask for a quote with and without the bundle. Progressive also offers usage-based discounts through its Snapshot program, which may be available alongside a bundle for safe drivers; ask whether the two can be combined where you live.
Third-Party Home Insurance
Progressive places home insurance through a marketplace of third-party underwriters in many states. This arrangement means the home policy you receive through Progressive may be from a carrier you haven’t independently evaluated — with its own rates, claims process, and customer service. It’s worth asking Progressive specifically which company will underwrite your home policy before finalizing a bundle.
| 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 |
Claims and Customer Satisfaction
The J.D. Power 2025 U.S. Auto Claims Satisfaction Study set the industry average at 700 out of 1,000; see the study page for Progressive’s own score. For home insurance claims, the experience varies by which third-party underwriter handles the policy.
Who Each Carrier May Suit
State Farm may suit people who:
- Have clean driving records and qualify for standard rates
- Own a home and want both policies with a single carrier for simplified claims
- Prefer working with a local captive agent
- Live in a state where State Farm actively writes new home insurance policies
- Prioritize claims service track record alongside competitive premiums
Progressive may suit people who:
- Have recent violations, claims, or a non-standard risk profile
- Manage insurance primarily online and prefer a digital-first experience
- Are interested in combining Snapshot usage-based discounts with bundle savings
- Are primarily focused on auto pricing and are less concerned about home insurance integration
The Case for Comparing Beyond Just These Two
State Farm and Progressive are the two most prominent carriers in this comparison, but neither is necessarily the best option for any given household. Nationwide and Farmers advertise higher maximum bundle discounts (up to 20% on auto). Erie Insurance has above-average claims satisfaction and strong bundle programs in the 12 states where it operates. Allstate offers the most competitive home-side bundle discount. For more context, see our insurance bundling statistics guide and our overview of how multi-policy discounts are calculated.
Related State Insurance Guides
If State Farm is your baseline, our full State Farm home and auto bundle review covers its discount structure in more depth.
Frequently Asked Questions
Does State Farm or Progressive offer a better bundle discount?
Neither company publishes a single bundle percentage that applies everywhere, so the headline discount is not a reliable way to choose. State Farm underwrites home insurance directly, while Progressive’s home discount depends on the third-party underwriter. A bigger discount doesn’t automatically mean a lower total premium.
Does Progressive’s home insurance come from a different company?
In many states, yes. Progressive places home insurance through a marketplace of third-party carriers. Ask Progressive specifically which company will underwrite your home policy and check that carrier’s AM Best rating and complaint index before committing.
Which company has better claims service?
A single number can’t settle this. The J.D. Power 2025 U.S. Auto Claims Satisfaction Study (industry average 700) is the best public benchmark, so read both companies’ scores on the study page, then check your state insurance department’s complaint data. For home claims, State Farm handles home policies directly, while Progressive’s experience varies by underwriter.
Is State Farm or Progressive cheaper for bundling?
There’s no universal answer — it depends on your state, your home, and your driving history. State Farm tends to be more competitive on total bundled cost for standard-risk policyholders. Progressive is often more competitive for auto coverage when a driver has violations or non-standard characteristics.
Key Takeaways
- State Farm underwrites home insurance directly and says bundle savings vary by state
- Progressive often places home insurance with a third-party carrier, so check that carrier’s rating
- Compare each company’s J.D. Power claims score before deciding (industry average in 2025: 700)
- Progressive’s key advantage is accepting non-standard risk drivers who may not qualify for competitive rates elsewhere
- Progressive’s Snapshot program may be available with a bundle; ask whether they combine in your state
- Neither carrier is universally cheaper — comparing bundled quotes from both (plus Nationwide, Allstate, and Erie) is essential
Disclaimer: The content on this page is for informational purposes only and does not constitute insurance, legal, or financial advice. Company ratings, and claims satisfaction scores are based on publicly available sources including NAIC, J.D. Power, and AM Best as of 2025-2026. 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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