Insurance Bundle Savings Calculator
Calculate exactly how much you'll save by bundling auto and home insurance with one carrier. Most people save 10-25% annually - see your potential savings instantly.
How Insurance Bundling Works
Insurance bundling (also called a multi-policy discount) means buying two or more insurance policies from the same company. The most common bundle is auto + home insurance, but you can also bundle renters, condo, umbrella, life, and other policies.
What We Calculate
- Separate Policy Costs: Auto + home purchased from different insurers
- Bundle Discount: Percentage savings (typically 10-25%)
- Bundled Cost: New total after discount applied
- Annual Savings: Total money saved per year
- 5-Year Savings: Long-term financial impact
Bundle Discount by Insurer (2025)
Most popular bundling option. Largest auto + home insurer.
Higher discounts for multiple policies. Good for 3+ bundles.
Lower bundle discount but competitive base rates.
Best for military families. Excellent bundle savings.
Partners with home insurers for bundling (no direct home coverage).
Beyond the Discount: Hidden Benefits
- • One deductible: Some insurers waive one deductible when home and auto claims occur simultaneously
- • Simplified billing: Single payment, one renewal date, easier to manage
- • Better customer service: Easier to resolve issues with all policies under one roof
- • Loyalty rewards: Additional discounts after 3-5 years with same insurer
Frequently Asked Questions
How much do you save by bundling home and auto insurance?
Typical savings: 10-25% on total premium
Most insurers apply the discount to BOTH policies:
- Auto insurance: Save 10-20% (on a $1,500 policy = $150-$300/year)
- Home insurance: Save 5-15% (on a $1,200 policy = $60-$180/year)
- Combined savings: $210-$480/year for typical household
Real-world example:
- • Auto: $1,800/year → $1,530/year (15% discount = $270 savings)
- • Home: $1,400/year → $1,260/year (10% discount = $140 savings)
- • Total annual savings: $410
- • 5-year savings: $2,050
Is bundling insurance always cheaper?
No - sometimes buying separately is cheaper. Here's when bundling DOESN'T save money:
- High base rates: If Company A offers a 20% bundle discount but their base rates are 30% higher than Company B's separate policies, you lose money bundling.
- Example: Company A bundle (20% discount) = $3,200. Company B auto ($1,400) + Company C home ($1,200) = $2,600. Separate is $600 cheaper!
- Specialized insurers: Companies like Geico (auto-only) or Amica (home specialty) may beat bundled rates.
- High-risk drivers: If you're high-risk auto, bundle discount may not offset inflated auto premium.
Best practice: Compare bundled vs separate quotes from 3-5 insurers. Sometimes the bundle wins, sometimes separate wins - it varies by your specific profile and location.
What other insurance policies can I bundle?
Beyond auto + home, you can bundle:
Property & Casualty Bundles:
- Auto + Renters: 5-15% discount (great for apartment dwellers)
- Auto + Condo: 10-20% discount (similar to homeowners bundle)
- Auto + Motorcycle: 10-15% discount
- Auto + RV/Boat: 10-20% discount (recreational vehicle add-ons)
- Umbrella Policy: Add $1M liability for only $150-300/year when bundled
Life Insurance Bundles:
- State Farm, Allstate, Nationwide offer life insurance bundling
- Smaller discounts (5-10%) but added convenience
- Caution: Life insurance from specialists (Haven Life, Policygenius) is often cheaper
Best value: Auto + Home (or Renters/Condo) + Umbrella = Triple-policy discount (15-30% total savings)
What happens to my bundle discount if I cancel one policy?
You lose the multi-policy discount immediately on the remaining policy.
Example scenario:
- Bundled: Auto $1,350/year + Home $1,080/year (both with 10% discount)
- You cancel auto and switch to another insurer
- Home premium increases to $1,200/year (loses 10% discount = +$120/year)
What to do:
- Calculate new total cost before canceling one policy
- Shop for quotes on the remaining policy (you may get better rates elsewhere)
- Consider rebundling with a different insurer
Which insurance companies offer the best bundle discounts?
Best overall bundle discounts (2025):
- • USAA: 10-23% (military/veterans only - best value if eligible)
- • Allstate: 10-25% (higher discounts for 3+ policies)
- • State Farm: 15-20% (largest auto + home insurer, very stable)
- • Farmers: 12-20% (good for rural/suburban homeowners)
- • Nationwide: 10-20% (on your side since... forever)
- • Liberty Mutual: 5-20% (higher discounts with more policies)
- • Travelers: 8-13% (smaller discount but competitive rates)
Note: Geico and Progressive offer lower bundle discounts (5-12%) because they partner with other companies for home insurance instead of offering it directly. However, their base auto rates are often very competitive, so total bundled cost may still be good.