Car and home insurance bundles: What you need to know

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In a Nutshell

Bundling your car and home insurance is one of the most common ways to save money on your premium. Here’s what you should know about multipolicy discounts and some insurance companies that offer them.
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Bundling your home and auto insurance is a common way to save money on your premium.

Insurance bundles can be a good way to reduce the cost of your insurance policy and simplify your insurance ecosystem under one company and account. Qualifying for a multipolicy discount can be a smart move, but you shouldn’t base your entire decision on whether or not a company offers this discount.

Read on to learn more about when bundling your insurance makes sense and which companies offer home and auto insurance bundles.

Bundling car and home insurance

There are many things to consider when you’re shopping for insurance. In addition to making sure you’re selecting the right amount and type of coverage for your needs, you should also be sure you’re making a choice that fits your budget.

Many insurance companies offer car insurance discounts for things like paying your bill upfront, having certain safety features in your car, being a safe driver or being a member of certain affiliation groups. One of the most common ways to save money on your insurance premium is by bundling multiple policies, like your car and home insurance, with the same insurance company.

Several insurance companies offer bundling discounts to incentivize their customers to use more of their insurance products — and it can be a great way to save money on your insurance bills.

Which companies offer car and home insurance bundles?

Multipolicy discounts are some of the most common discount options insurance companies offer. Here are a few insurers that offer this type of savings opportunity.


Progressive offers several multipolicy discount options, like a discount for bundling your auto policy with your home, condo, renters, RV, boat or motorcycle insurance. You can get a multipolicy discount for bundling any two or more Progressive insurance products.

Progressive auto insurance is available in all 50 states, and the range of products it offers is wide — though not all of its products may be available in every state. Coverages include standard car and homeowners’ insurance and policies for more unique items, such as Segways, watercraft, jewelry and special events.

Progressive also offers many other opportunities to save money on your premium, but the average savings for customers with a multipolicy discount may be a bit low, at just 5%.


Geico offers its customers a wide range of discounts, including a multipolicy discount. Customers can qualify for a multipolicy discount when they bundle multiple vehicle policies (like car, motorcycle, condo and motor home) or a vehicle policy with a homeowners or renters policy.

Geico says that customers can save up to 25% with a multivehicle discount, while the savings amount varies for a multipolicy discount. Other available discounts include vehicle equipment discounts, driver education discounts and discounts for having safe driving habits.

Unfortunately, some discounts and coverage options aren’t available in every state, so you’ll have to do your own research to see if Geico is the right choice for you.


Allstate says that customers can save up to 25% on their policy by bundling their home and auto insurance policies. Other common bundles include combinations of car insurance, motorcycle insurance, condo insurance and renters insurance.

As an Allstate customer, you can use the company’s website or robust mobile app to manage your policies, make a claim, pay your bill and more, which can be an extra helpful tool when you’ve bundled multiple policies under one account.


USAA offers financial products specifically for members of the U.S. military, their spouses and children of USAA members. USAA says members can save up to 10% when they bundle their home and auto insurance policies.

Discounts for bundling multiple vehicles are also available. USAA offers several policies, services and perks specifically for military members and their families, but it’s not available to everyone.

Should you bundle your car and home insurance?

Your insurance needs are unique, so there’s no one-size-fits-all solution when shopping for insurance policies or companies. While saving money on your insurance is important, bundling discounts should be just one piece of the puzzle for finding the right insurance for you.

Reasons to bundle car and home insurance

  • You could save money on your premium.
  • Simplify your life by managing multiple policies with the same agent or company. Having just one login for multiple policies can save you time and paperwork. Plus, working with the same agent could help ensure you’re well-protected across your high-value items.

Reasons not to bundle car and home insurance

  • You may find better coverage elsewhere. If you have specific insurance needs, like if you’re deemed a high-risk driver by insurance companies, or need coverage for a classic car or a vehicle with custom parts, the best company for you could be one that doesn’t offer a robust bundling discount.
  • You could find cheaper insurance even without a discount. Your insurance company may not offer a large discount for bundling, but it could offer other discounts, like a safe driving or usage-based insurance program, that could save you even more money in the long run.

FAQs about car and home insurance bundles

Is it cheaper to bundle car and home?

Insurance costs depend on several factors, and everyone’s situation is different. While some insurers claim you could save 20% to 25% on your policy when you bundle home and car coverage, comparing insurance quotes and available discounts makes sense to find the lowest overall rate.

What is it called when you bundle insurance?

Bundling insurance is often referred to as a multipolicy discount. Some insurance companies also offer discounts for insuring more than one vehicle, called a multicar or multivehicle discount.

What types of insurance can be bundled?

Many insurance companies offer bundles for home and auto insurance, and some even offer bundles for different vehicles, including cars, motorcycles, RVs and boats.

What’s next?

Shopping for car insurance can feel overwhelming. First, take the time to determine the type and amount of coverage you need. When comparing insurance quotes, be sure to research all of the discounts you may qualify for, including discounts for bundling your car and home insurance.

About the author: Sarah Sidlow is a freelance writer and editor based near Detroit. She has a master’s degree in journalism from Georgetown University. Sarah’s work has appeared in Luxembourg’s national newspaper, Washington City Paper… Read more.