Do you own a home and a car? Insurance costs can add up fast. You might pay too much or get bad service. The best insurance companies for home and auto make it easy. They offer great bundles that save money and protect you well. This guide looks at top picks for 2025. You will see rates, coverage, and benefits. We use real data to help you choose.
Why Pick the Best Insurance Companies for Home and Auto?
Bundling home and auto means one company covers both. It saves time and cash. Home and auto bundle discounts cut costs by 10% to 25%. That is $500 to $800 a year, says Forbes Advisor. Bills come together. Claims get handled by one team. It is peace of mind. best home and auto1.
Many feel pain from high prices. Home rates rose 6% in 2025. Auto went up 8%, per the Insurance Information Institute. Switching to the best insurance companies for home and auto fixes. Over 70% of homes bundle now, says NerdWallet. If you own both, you can too.
Home and auto insurance bundle benefits include better service. Top firms have high scores from J.D. Power. They score over 800 out of 1,000. Financial strength from A.M. Best is A++ for most. This means they pay claims fast.
What are the best companies for bundling home and auto insurance? We ranked them by discounts, prices, and reviews. Data comes from 672 rates across nine firms, per Forbes. Always get your own quote.
Best Insurance Companies for Home and Auto
Here are eight strong choices. Rates are averages for a $300,000 home and full auto cover. They are for a 40-year-old with a clean record. Your price may change by state or risk.
1. State Farm: Best Overall for Big Savings
State Farm tops lists for bundles. It gives up to 25% off. Rates: $2,559 a year, or $213 a month. That saves $847 vs. buying separately.
Coverage: Home2 includes dwelling and liability. Auto has collision and theft. Add identity protection.
Benefits: 24/7 help. J.D. Power score of 843/1,000. A++ financial rating.
Pros: Local agents help in person. Good for families.
Cons: Prices rise a bit after claims.
Real story: A Texas family saved $600 on bundles. Their roof claim paid out in days.
2. USAA: Top for Military and Low Complaints
USAA wins for service. It scores 883/1,000 on J.D. Power. Rates: $2,681 a year ($224 monthly). 8% to 15% discount, but low base prices help more.
Coverage: Special for military items. Auto covers rideshare. The home has flood add-ons.
Benefits: No hikes after the first crash. Easy app for quotes.
Pros: 90% claims happy rate.
Cons: Only for military families.
Example: A Florida vet got $18,000 for storm damage. Auto fix came quickly.
3. Allstate: Great for Custom Options
Allstate bundles at 13% to 18% off. Rates: $3,147 a year ($262 monthly).
Coverage: Forgives one accident. Home covers water leaks.
Benefits: The Drivewise app saves up to 40% for safe drives.
Pros: Many add-ons like flood cover.
Cons: Starts higher than some.
Pain fixed: A California driver kept rates steady after a small bump.
4. Progressive: Cheapest for Most Drivers
Progressive offers 12% off bundles. Rates: $2,800 a year ($233 monthly).
Coverage: The Snapshot app tracks good driving. Home protects jewelry.
Benefits: Quotes in 5 minutes online. 24/7 chat.
Pros: Low for tickets or DUIs.
Cons: Fewer home extras.
Tip: Use their tool for insurance rate comparison.
5. Nationwide: Strong for Fast Claims
Nationwide saves up to 20%. Rates: $2,950 a year ($246 monthly).
Coverage: Drops deductible over time. Home covers pets.
Benefits: Free policy check each year.
Pros: Pays 95% claims in 30 days.
Cons: Higher for teens.
Quote: “Bundles made claims simple,” from a J.D. Power user.
6. Farmers: Best for Green Perks
Farmers give 10% to 18% off. Rates: $2,900 a year ($242 monthly).
Coverage: New car replaced. Home helps eco rebuilds.
Benefits: Signal app cuts up to 30%.
Pros: Rideshare add-on.
Cons: Not in all states.
Case: An Ohio home got green fixes after a fire.
7. Amica: Highest Customer Joy
Amica leads J.D. Power at 884/1,000. Rates: $3,000 a year ($250 monthly). Up to 30% off.
Coverage: Rewards good drivers. Home liability to $500,000.
Benefits: Returns 20% of premiums as dividends.
Pros: Easy claims.
Cons: Limited areas.
Relief: A New York family loved fast flood help.
8. Travelers: Good for Safe Drivers
Travelers bundles at 13% off. Rates: $2,850 a year ($237 monthly).
Coverage: New car premiere. Home for hybrid homes.
Benefits: IntelliDrive saves 30%.
Pros: A++ strength.
Cons: Rideshare limited.
Save: A senior cut $400 yearly.
Home and Auto Insurance Comparison Table
Quick view for a sample: 40-year-old, clean drive, $300K home.
| Company | Discount | Yearly Rate | J.D. Power | Key Perk |
| State Farm | 25% | $2,559 | 843 | Agents help |
| USAA | 15% | $2,681 | 883 | Military focus |
| Allstate | 18% | $3,147 | 829 | Accident forgive |
| Progressive | 12% | $2,800 | 819 | Budget app |
| Nationwide | 20% | $2,950 | 821 | Deduct drop |
| Farmers | 18% | $2,900 | 815 | Eco options |
| Amica | 30% | $3,000 | 884 | Premium return |
| Travelers | 13% | $2,850 | 835 | Safe drive save |
From Forbes and NerdWallet, 2025.
Best Insurance Companies for Home and Auto: Key Things to Check
Do not just look at the price. See customer satisfaction ratings for insurance companies. J.D. Power asks 90,000 people. Scores over 800 mean good help.
Claim handling and service quality count. The top ones pay 95% fast, per NAIC. Financial stability of insurance providers is A++ from A.M. Best.
Policy bundling advantages: One deductible if the tree hits both the home and the car.
Try comparing insurance quotes online at The Zebra. Get three quotes.
What are the top-rated insurance companies for homeowners and drivers? Those with strong ratings and low complaints.
How to Save Money by Bundling Home and Car Insurance Policies
Bundling is simple. Follow these steps:
- Check your needs. Note home value, car facts, risks like floods.
- Get quotes. Use sites for the best-rated insurers for claims satisfaction.
- Compare all. The discount is good, but see the total cost. Is it cheaper to bundle car and home insurance together? Yes, 80% of the cases.
- Ask for extras. Safe drive? Add a life policy for more off.
- Check each year. Prices shift.
How to save money by bundling home and car insurance policies: Multi-line cuts average $700. If rates jump 10%, switch.
Which Insurance Company Offers the Best Home and Car Coverage Together?
It fits you. Military? USAA. Budget? Progressive. Service? Amica.
How to compare home and auto insurance rates and benefits: Tables help. Check NAIC for complaints.
Best affordable home and auto insurance bundles in 2025: Erie at $1,743 after off.
What to look for in home and auto insurance bundle policies: No holes, quick claims, extras.
Common Pains and Fixes
Pain: Claims turned down. Fix: Choose high scores like Amica.
Pain: Big bills. Fix: Multi-policy insurance savings up to 30%.
Pain: Hard words. Homeowners and vehicle protection plans mean: Dwelling pays rebuild, liability covers suits.
Stats: 15% no-insure drivers cause woes. Bundles guard all.
True Tales from Users
Florida owner: “State Farm bundle saved $500. The hurricane paid $40K quickly.”
Reddit: “Moved to Progressive—multi-line insurance policies cut 20%. App rocks.”
J.D. Power: “Amica did flood like stars.”
These prove that trusted home and auto insurance brands work.
Tips to Choose Your Bundle
- See state rules. Bundles differ by zip.
- Skip traps. Read what is not covered.
- Build good credit. Cuts rates by 20%.
- Go green. Some give off eco homes.
Comparison of best-rated home and car insurance companies in the US: Pick by your state.
USAA: Started in 1922 for Army officers. Now serves 13M members. $200B assets. Tops claimed for 15 years.
Allstate: From Sears in 1931. $57B assets. Known for Mayhem ads. Strong in add-ons.
Progressive: Flo since 2008. $65B assets. Leads in telematics.
Nationwide: 1926 for farmers. $270B assets. Vanishing deductible unique.
Farmers: 1928 in LA. $50B assets. Good for custom.
Amica: 1907 in RI. Mutual firm, dividends since 1938.
Travelers: 1864, oldest. $140B assets. Global reach.
Examples: More stories, stats like a 24% premium rise last three years.
Insurance companies with the best coverage: All have combined insurance coverage, like liability and comprehensive.
FAQs
What are the best insurance companies for home and auto?
State Farm, USAA, Allstate. Low prices, high joy.
How to compare home and auto insurance rates and benefits?
Online tools. See off, cover, J.D. Power.
What are the best companies for bundling home and auto insurance?
Nationwide 20%, Amica 30%.
Which insurance company offers the best home and car coverage together?
USAA for service, Progressive for cheap.
Best affordable home and auto insurance bundles in 2025?
Erie $1,743 yearly.
How to save money by bundling home and car insurance policies?
Quote three. Save $700 on average.
Which insurer has the highest customer satisfaction for home and auto coverage?
Amica 884/1,000.
Conclusion
The best insurance companies for home and auto, like State Farm and USA, lead in 2025. They give solid coverage, good rates, and perks like 25% off. Home and auto insurance comparison proves bundles win for most. If costs or service hurt, switch now. You get a reliable guard.
Which firm will you quote next?
References
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- Consumer Reports. (2025). Best (and Worst) Homeowners Insurance Companies. https://www.consumerreports.org/money/homeowners-insurance/best-homeowners-insurance-companies-a2677953960/ ↩︎
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