Compare Auto and Home Insurance Bundles to Save Big in 2025
In 2025, insurance bundling remains one of the smartest ways to cut down on your annual premium costs. By combining your auto and home insurance policies, you can unlock substantial savings, simplify billing, and get better customer service from a single provider.
In this guide, we’ll compare the best car and home insurance bundle discounts, show how much you can save, and help you find the best insurance companies offering deals in 2025.
What Is an Auto and Home Insurance Bundle?
An auto and home insurance bundle means purchasing both policies from the same insurer. Companies reward this loyalty by offering multi-policy discounts, which can range from 10% to 25% on combined premiums.
These bundles also simplify your life — you’ll deal with fewer bills, fewer agents, and often get enhanced coverage options.
Average Bundle Savings in 2025
According to 2025 market data, most drivers and homeowners save $300 to $700 per year through bundling. However, savings depend on your location, credit score, claim history, and insurance provider.
| Insurance Provider | Average Bundle Discount | Estimated Annual Savings | Customer Satisfaction (2025) |
|---|---|---|---|
| State Farm | 20% | $600 | 4.8 / 5 |
| Progressive | 15% | $480 | 4.6 / 5 |
| Allstate | 25% | $720 | 4.5 / 5 |
| Liberty Mutual | 18% | $540 | 4.4 / 5 |
| GEICO | 10% | $350 | 4.3 / 5 |
Source: 2025 Insurance Savings Report
Benefits of Bundling Auto and Home Insurance
Bundling isn’t just about discounts — it adds value, protection, and convenience.
1. Significant Cost Savings
Bundled insurance policies come with a multi-policy discount, often making it cheaper than buying separate policies.
2. Simplified Billing
You’ll manage one payment and one renewal date instead of juggling multiple policies.
3. Enhanced Coverage Options
Some insurers offer better coverage on bundled policies, like free accident forgiveness or lower deductibles.
4. Loyalty Rewards
Staying with the same provider often gives access to exclusive loyalty programs and accident-free discounts.
How to Compare Auto and Home Insurance Bundles in 2025
To get the best insurance rates, you should compare quotes from multiple providers. Here’s how to maximize your savings:
| Step | Action | Why It Matters |
|---|---|---|
| 1 | Gather policy details (coverage, limits, deductibles) | Helps compare apples to apples |
| 2 | Get online quotes from top insurers | Access real-time pricing |
| 3 | Check for hidden fees or exclusions | Avoid paying more later |
| 4 | Ask about additional discounts (good driver, claim-free, smart home devices) | Stack savings |
| 5 | Review and adjust coverage annually | Keeps your premium competitive |
Top Insurance Companies for Bundling in 2025
If you’re ready to bundle and save, start with these top-rated insurers:
-
State Farm – Best for customer service and flexible discounts
-
Allstate – Best for high-value homes and new cars
-
Progressive – Great for digital quote comparison and customization
-
Liberty Mutual – Best for families with multiple vehicles
-
GEICO – Best budget-friendly bundling option
Expert Tips to Maximize Your Bundle Savings
-
Increase deductibles to reduce monthly premiums.
-
Install home security systems — many insurers offer discounts.
-
Maintain a clean driving record.
-
Review your policies yearly — new discounts appear every few months.
-
Use online comparison tools to get the best auto insurance quotes fast.
Is Bundling Always Worth It?
In most cases, yes — but not always. Sometimes, buying separate policies may be cheaper if:
-
You qualify for specialized home coverage (e.g., flood-prone area).
-
Your auto insurance history affects your combined rate.
-
A local insurer offers better standalone deals.
Always compare insurance quotes before deciding.
Final Thoughts
In 2025, bundling your auto and home insurance is one of the easiest ways to save big while streamlining your coverage. Compare top insurance providers, evaluate bundle discounts, and review your policy yearly to ensure you’re always getting the best insurance rates.
Start by requesting free insurance quotes today — you might be surprised how much you can save by simply bundling your policies.