Car & Home Insurance Bundles in the USA 2026 – Compare Quotes & Save Hundreds

 

Insurance is one of life’s biggest recurring expenses — but in 2026, you have the opportunity to dramatically lower what you pay for both your car and home insurance by bundling your policies. Instead of purchasing separate auto and homeowners policies, combining them with the same insurer often unlocks multi‑policy discounts, simplifies billing, and can put hundreds of dollars back in your wallet every year.

This guide explains why bundling works, what kind of savings you can expect in 2026, which companies offer the best bundled quotes, and how to compare rates to get the smartest deal for your household.

📊 What Is a Car & Home Insurance Bundle?

A car and home insurance bundle (also called a multi‑policy discount) means buying both your auto and homeowners insurance from the same company. Instead of having one policy with one insurer and another with a different one, you combine them under one provider — and insurers typically reward this because it increases customer loyalty and reduces administrative costs.

Bundling doesn’t always guarantee savings, but for many households it lowers the total premium compared with buying each policy separately.

💸 How Much Can You Save by Bundling?

The amount you save by bundling car and home insurance depends on the insurer, your state, your driving record, and other risk factors. But 2026 data shows bundling can reduce your combined premium by double‑digit percentages:

📍 Typical Bundling Discounts

·         On average, bundling home and auto insurance saves around 10% to 25%.

·         The average total savings across major insurers is approximately $466 per year — but some drivers save much more.

·         At some companies, bundling discounts can add up to $600–$787 or more annually.

📌 Example Average Savings by Company

Company	Approx. Bundling Discount	Estimated Annual Savings
State Farm	~23% savings	~$787 saved per year
American Family	~18% savings	~$486 saved per year
Farmers	~18% savings	~$732 saved per year
Allstate	~15% savings	~$497 saved per year
Erie	~15% savings	~$535 saved per year
Nationwide	~15% savings	~$516 saved per year
Travelers	~11% savings	~$484 saved per year

Note: Savings are averages and will vary by state and personal profile.

These discounts add up fast when you’re paying for both car and home insurance — especially if you live in a part of the country with higher premiums.

🏆 Top Insurance Companies for Bundled Policies in 2026

Here are some of the most competitive companies offering bundled car and home insurance quotes this year, including discounts and typical values:

1. State Farm – Best Overall Bundle Value

Why it stands out:
State Farm consistently offers some of the largest bundling discounts in the industry — both in percentage savings and total annual dollars saved.

·         Average discount: ~23%

·         Estimated annual savings: ~$787 on bundled car & home policies

·         Strong agent support and claim handling

Best for: Homeowners and drivers looking for a balance of price, service, and nationwide availability.

2. Farmers – Best for Comprehensive Coverage Coupled With Discounts

Why it stands out:
Farmers also delivers strong bundling savings and robust coverage options for both cars and homes.

·         Average discount: ~18%

·         Estimated annual savings: ~$732 per year

·         Known for flexible coverage add‑ons

Best for: Families who want customizable coverage and solid discounts.

3. American Family – Great Balance of Price & Policy Benefits

Why it stands out:
American Family offers substantial bundling savings and tends to have strong customer service metrics.

·         Average discount: ~18%

·         Estimated annual savings: ~$486 per year

·         Good for multi‑policy discounts beyond just car/home

Best for: Drivers who value coverage options and consistent discounts.

4. Allstate – Strong Discounts With Many Add‑Ons

Why it stands out:
Allstate’s bundling program can cut costs and offers extra perks like accident forgiveness and roadside coverage in some plans.

·         Average discount: ~15%

·         Estimated savings: ~$497 per year

Best for: Those who want optional extra protections alongside a bundle.

5. Erie Insurance – Low Bundle Quotes for Some States

Why it stands out:
According to some 2026 quotes, Erie offers extremely competitive bundled premiums, sometimes as low as $86/month after discounts.

Best for: Residents in states where Erie operates with strong local pricing.

6. Nationwide – Rewards for Safe Drivers

Nationwide offers bundling along with telematics programs like SmartRide, allowing safe drivers to earn even deeper discounts over time.

Best for: Drivers who want additional safe driving incentives.

💡 How to Compare Bundled Quotes & Save the Most

Getting a great bundle deal isn’t just about picking one “top” insurer — it’s about comparing quotes from several companies to see where you’ll net the biggest savings.

Here’s how:

🧾 1. Use Online Comparison Tools

Sites like The Zebra and insurance aggregators let you enter your details once and receive quotes from dozens of insurers.

🆓 2. Request Bundled Quotes

Make sure to select car + home when getting quotes. Some sites let you see estimates based on bundling specifically.

📊 3. Compare Coverage Levels

Don’t just compare price — check liabilities, deductibles, and coverages so you aren’t sacrificing protection to get a discount.

🔄 4. Update Your Info Annually

Your risk profile changes with age, driving record, home improvements, and credit — so updating quotes each year helps ensure you’re getting the best price.

📞 5. Talk to a Licensed Agent or Broker

Agents can sometimes access additional discounts and ensure you’re comparing quotes fairly.

📌 Are Bundle Discounts Always Worth It?

Most of the time, yes — but there are a few nuances:

·         In rare cases, your car insurance might be cheaper with one insurer and home cheaper with another — even after bundling discounts. That means you should compare separate vs. bundled quotes.

·         Some companies share risk info between policies, which means claims on one might inform pricing on both — but bundling savings typically outweigh that.

So while bundling is often a great way to save, comparison is key.

🧠 Final Thoughts

In 2026, bundling your car and home insurance is one of the most effective ways to save on coverage — with many Americans seeing savings of hundreds of dollars annually simply by combining policies.

The best insurers for bundled quotes this year include State Farm, Farmers, American Family, Allstate, Erie, and Nationwide, each with competitive discounts and varying strengths.

Key takeaways:
✔ Bundle your policies to get 10–25% off premiums.
✔ Compare quotes from multiple insurers before deciding.
✔ Check coverage levels to ensure you’re not sacrificing protection for savings.
✔ Review your bundle annually to capture new discounts.

With the right strategy, bundling auto and home insurance can be one of the best financial moves you make in 2026 — saving you money while keeping your car and home protected.