The best auto and home insurance companies are USAA, Amica, and State Farm, since they offer the most competitive rates in addition to multi-policy discounts for bundling your home and auto insurance. The best auto and home insurance bundles provide discounts of about 10-23%.
2025’s Best Auto and Home Insurance Companies
- USAA Discounts up to 10%
- Amica Discounts up to 15%
- State Farm Discounts up to $1,127 average
- American Family Discounts up to 23%
- GEICO Discounts varies
Purchasing your auto insurance and your home insurance from the same insurer allows you to benefit from the insurer’s multi-policy discount. Most homeowners will need to have homeowners insurance anyway, since mortgage lenders typically require it.
5 Best Auto and Home Insurance Companies
1. USAA
- WalletHub editor rating: 3.5/5
- Multi-policy discount: Up to 10%
USAA has the best auto and home insurance rates for the military community. For example, minimum coverage auto insurance from USAA costs $487 per year, on average. USAA also offers a multi-policy discount of up to 10% for customers who purchase both auto and home insurance from them.
According to USAA, the amount you pay for home insurance depends on the size and age of your home, its location, and the coverage and deductibles you choose. USAA homeowners insurance also provides additional benefits for members on active duty. For instance, USAA offers active-duty members coverage for military equipment and will waive your deductible if your personal property is damaged or lost due to war.
You are eligible for a USAA membership if you or a family member honorably served or currently serves in the U.S. military.
2. Amica
- WalletHub editor rating: 4.2/5
- Multi-policy discount: Up to 15%
Amica has one of the highest scores for customer satisfaction, according to J.D. Power’s home and auto insurance studies. A minimum coverage car insurance policy from Amica costs $523 per year, on average, and the company offers a discount of up to 15% for bundling your auto and home insurance. Amica also offers discounts on a home insurance policy if you have an alarm system, automatic detection devices, and a new or remodeled home.
3. State Farm
- WalletHub editor rating: 4.1/5
- Multi-policy discount: $1,127 on average
State Farm is the largest provider of auto and home insurance in the U.S., and it’s highly rated for its financial strength and ability to pay out claims. The company also received high marks for customer satisfaction in J.D. Power’s latest U.S. home and auto insurance studies.
According to State Farm, a household can save an average of $1,127 per year by purchasing both home and auto insurance from them. A minimum coverage auto insurance policy from State Farm costs $718 per year, on average. State Farm also offers many home insurance discounts that you may qualify for, including a discount if you have resistant roofing products, such as impact-resistant shingles.
4. American Family
- WalletHub editor rating: 4.3/5
- Multi-policy discount: Up to 23%
American Family has one of the highest ratings from WalletHub editors and received high marks for customer satisfaction in J.D. Power’s latest U.S. home and auto insurance studies.
A minimum coverage auto insurance policy from American Family costs an average of $665 per year – one of the lowest rates among our picks for the best auto and home insurance companies. Additionally, customers can save up to 23% on their policy by bundling auto and home insurance.
5. GEICO
- WalletHub editor rating: 4.4/5
- Multi-policy discount: Varies
GEICO offers one of the lowest rates for auto insurance, with a minimum coverage policy costing an average of $462 per year. In addition to low rates, GEICO received high marks for customer satisfaction in J.D. Power’s latest auto insurance study, and it has one of the highest ratings from WalletHub editors. GEICO also offers a multi-policy discount for customers who bundle their home and auto policy.
Auto insurance from GEICO provides coverage for others’ medical expenses and property damage that you are responsible for, and it can also cover your personal medical expenses and vehicle repairs. Homeowners insurance from GEICO provides coverage for things such as your property, your home itself, and your personal belongings.
Best Auto & Home Insurance Comparison
| Company | Home Insurance Score (out of 1,000) | Auto Insurance Score (out of 5) | Multi-Policy Discount? | Annual Auto Insurance Cost |
|---|---|---|---|---|
| USAA | 884 | 3.7 | Yes | $487 per year |
| Amica | 849 | 3.5 | Yes | $523 per year |
| GEICO | NA | 3.2 | Yes | $462 per year |
| Progressive | 801 | 3.1 | Yes | $549 per year |
| State Farm | 829 | 3.3 | Yes | $718 per year |
| Allstate | 815 | 3.2 | Yes | $781 per year |
| The Hartford | 839 | 3.2 | Yes | $767 per year |
| AAA | 816 | 3.3 | Yes | $529 per year |
| Nationwide | 816 | 3.2 | Yes | $890 per year |
Note: Home and auto insurance scores reflect J.D. Power customer satisfaction index rankings for 2022. AAA’s home and auto insurance scores are an average of scores from AAA affiliates listed by J.D. Power. USAA membership is only available to U.S. military personnel and their family members.
Key Things to Know About Bundling Home and Auto Insurance
How does bundling home and auto insurance work?
Bundling home and auto insurance just means you’re getting both types of coverage from the same insurance company. Insurance companies generally offer a discount for getting multiple types of coverage, to encourage customers to do all their insurance business with them.
You can get both types of coverage at the same time or add one of them later, depending on your needs. You may not get a discount until the next time you renew your existing policy, though.
Pros and Cons of Bundling Home and Auto Insurance
| Pros | Cons |
| You can get a discount on coverage | The best companies for auto and home insurance aren’t always the same |
| It’s easier to deal with one company than two | It’s harder to switch insurers |
| You might only have to pay one deductible for claims affecting both policies | You might not find all the features you want |
Should you bundle car and home insurance?
You should bundle car and home insurance if it will save you money compared to getting individual policies from separate insurers, or if paying extra for the simplicity that comes with having the same insurance company for both home and auto coverage is worth it for you.
A good approach is to compare auto insurance quotes from several companies and then separately compare homeowners insurance quotes. If the same insurance company is among the best options for each, bundling with that company is likely a good idea. You can also get combined quotes for home and auto coverage together to confirm you’re getting a better deal by bundling coverage versus buying it separately, and to ensure that you’ve found the right insurer to bundle with.
Tips for Buying the Best Auto and Home Insurance
Get auto and homeowners insurance quotes from various companies.
Every insurance company uses different methods to calculate your premiums, so you should get quotes from several providers before selecting a policy to make sure you are getting the best rate.
Look for the best multi-policy discount.
Most major insurance companies offer multi-policy discounts for purchasing both your auto and home insurance from them. When you are comparing insurance rates, make sure you are comparing the cost after the multi-policy discount is factored in. You can get quotes from insurance companies online or over the phone and factor in the multi-policy discount to find the best rate.
Choose coverage limits that protect you and your property.
Although you technically only need to meet your state’s minimum car insurance coverage requirements, you should still consider additional types of coverage for your own medical expenses or damage to your own vehicle. You should also choose higher coverage limits than you’re required to have, as the minimum coverage requirements are typically not high enough to cover all expenses in the event of a serious incident.
Similarly, you are likely only required to have homeowners insurance if you have a mortgage. However, home insurance is still a good idea for any homeowner, since it could save you from serious property repair or replacement costs. Home insurance can also include liability insurance in case someone sues you for injuries that occur on your property.
Account for home and vehicle features.
Many insurance companies offer discounts if your home or vehicle has certain features. For instance, Progressive offers a home insurance discount if you bought a new home or if your home has a security system. Similarly, many car insurance companies offer a discount if your vehicle has anti-theft devices installed.
Consider purchasing home and auto insurance separately.
Typically, you will get the best deal for home and auto insurance by bundling your coverage and receiving the multi-policy discount. However, it is worth also getting quotes for home and auto insurance separately if you’re not finding affordable rates. In some cases, purchasing coverage separately may be cheaper. For instance, if you have a major traffic violation on your driving record, it may be cheaper to purchase car insurance from a company that offers competitive rates for high-risk drivers and then buy your homeowners insurance separately.
Methodology
To determine the best auto and home insurance companies, WalletHub editors considered a variety of factors, including each company’s average annual premium for auto insurance, WalletHub editor rating, user rating on WalletHub, multi-policy discount, and auto and home insurance customer satisfaction ratings.
Annual premiums for auto insurance represent an average of quotes for 30 California ZIP codes. WalletHub uses quotes from California since it is the most populous state and its rates usually represent middle-of-the-road costs. The quotes represent coverage for a 45-year-old single man who drives 15,000 miles annually and has a clean driving record plus good credit. Annual premiums for auto insurance assume the following coverage limits:
- $15,000 in bodily injury liability coverage per person
- $30,000 in bodily injury liability coverage per accident
- $5,000 in property damage liability coverage
Based on information from each company’s website and customer service representatives, WalletHub editors determined which insurance companies best meet the needs of customers looking for auto and home insurance.
Ask the Experts
WalletHub asked a panel of experts to share their thoughts on bundling auto and home insurance. You can click “Read More” under each expert’s name and title to see their answers to the following questions:
- Do you recommend getting car insurance and homeowners insurance from the same company?
- Are there any risks involved with bundling auto and home insurance?
- What should people do to make sure they’re getting a good deal on combined home and auto coverage?
Ask the Experts
MBA, PhD, Associate Professor of Business - Northwestern Oklahoma State University
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Adjunct/Lecturer of Finance of Economics & Finance - University of North Carolina – Wilmington
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MBA, Ph.D., Assistant Professor of Marketing, Department of Marketing, International Business, and Legal Studies, Frank G. Zarb School of Business - Hofstra University
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Ph.D., Associate Professor of Real Estate, Editor Review of Regional Studies, Department of Finance, Strome College of Business - Old Dominion University
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Ph.D., Associate Professor of Business Administration - Duke University, Fuqua School of Business
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A.I.A. - Developer - Facilities Manager, Pratt Institute
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