Best Home and Auto Insurance

We ranked State Farm as one of our best home and auto insurance companies due to its low rates, great bundling savings on coverage and superior customer service. Bundling car and homeowners policies with the company allows you to take advantage of the highest average savings on the market based on our research.

Bundling home and auto insurance with State Farm costs an average of $2,577 per year, based on our rate data. Getting a bundle with the company allows you to save an average of $1,295 per year:

Additional savings are available in these cases:

• You can save up to 30% with State Farm Drive Safe & Save.
• If you’re 25 years old or younger and maintain a B average or higher you can save up to 25%.
• Going claim-free gives you savings.
• If you get impact-resistant moving, you can get a discount.
• Save up to 20% by getting policies for two cars.
• If you have no accidents or violations when driving for more than three years, you can get a premium reduction.

We’ve summarized industry ratings from reputable agencies below:

• J.D. Power Customer Satisfaction Ratings: In the 2023 U.S. Home Insurance Study, State Farm ranked fifth overall nationwide with a score of 829/1,000 (10 points above the industry average). The company also ranked in the top five for customer satisfaction in every region of the country in the 2023 U.S. Auto Insurance Study.
• J.D. Power Insurance Claims Satisfaction Ratings: State Farm ranked sixth overall in the 2023 U.S. Property Claims Satisfaction Study with a score of 880/1,000 (6 points above average). In the 2023 U.S. Auto Claims Satisfaction Study, State Farm ranked fifth in the nation with a score of 891/1,000 — 13 points higher than the national average.
• NAIC Complaint Index Rating: The National Association of Insurance Commissioners (NAIC) calculates a complaint index score based on the number of customer complaints a provider receives compared to its market share. The average score is 1.0. For private passenger auto, its score is 0.75, and for homeowners, its score is essentially zero, with only 12 registered complaints. These lower-than-average complaint numbers are especially impressive, considering State Farm is the largest car insurance company and home insurance provider.
• A.M. Best Financial Strength Rating: State Farm earned the highest rating for financial strength of A++ from A.M. Best.

Read More: State Farm Home Insurance Review
Read More: State Farm Car Insurance Review

State Farm has availability in all 50 states and Washington, D.C., though it’s no longer accepting new personal auto customers in Massachusetts and Rhode Island. Below, we’ve broken down some of the additional coverage options for home and auto offered by State Farm:

• Additional dwelling
• Earthquake coverage
• Personal articles coverage
• Rideshare insurance
• Roadside assistance
• Travel expense reimbursement

Though availability is limited, American Family comes in at number two due to its affordable rates, a wide range of coverage options for both home and auto and a large number of benefits for family policies.

Coming in third overall for bundling savings at $873 on average, home and auto insurance policies from American Family cost an estimated of $3,488 per year:

You can also save more money on premiums with these American Family discounts:

• New Home Discount: If your home is under 15 years old, you can save.
• Pay How You Drive: Save up to 10% for signing up for this usage-based program.
• Autopay: Save when you enroll in automatic payments.
• Safety devices: Get discounts if you have safety items in your home and car.
• Low mileage: If you drive under a certain amount of miles, you can save.

Below, we’ve broken down industry ratings from reputable companies:

• J.D. Power Customer Satisfaction Ratings: In the 2023 U.S. Home Insurance Study, American Family ranks six points below the industry average with a score of 813/1,000. In the 2023 U.S. Auto Insurance Study, it ranks above average in the regions it serves.
• J.D. Power Insurance Claims Satisfaction Ratings: American Family ranks seventh in the 2023 Property Claims Satisfaction Study with a score of 875/1,000, and ninth in the U.S. Auto Claims Satisfaction Study, with 882/1,000 — four points higher than the industry average.
• NAIC Complaint Index Rating: American Family receives fewer than average customer complaints for both personal auto (0.19) and homeowners (0.37).
• A.M. Best Financial Strength Rating: The company earned an A+ (Excellent) rating for financial strength.

Read More: American Family Home Insurance Review
Read More: American Family Car Insurance Review

American Family home and auto insurance is available in these states and Washington, D.C.:

You can also purchase these add ons to your bundled policy:

• Roadside assistance
• Accidental death and dismemberment
• Rental car insurance
• Diminishing deductible
• Equipment breakdown
• Hidden water damage

Nationwide offers some of the best home and auto insurance. The company has particularly cheap car insurance for seniors and the highest usage-based insurance program discount of up to 40%. It also offers one of the largest coverage selections out there for home insurance, with unique add-ons like ordinance insurance and credit card insurance.

For home and auto insurance bundles, Nationwide offers coverage for an average of $3,670 for both policies. On average, you can expect savings to be around $768 per year:

In addition to bundling, Nationwide offers the following discounts:

• Take a defensive driving course to receive up to 10% off.
• Save up to 40% by enrolling in Nationwide Smartride.
• Use the pay-per-mile car insurance program Smartmiles and save.
• Receive home renovation credits to put toward your policy premiums when updating items like heating, cooling and plumbing.
• Recent home purchasers can get a reduction in premiums.

In the sections below, we’ll go over how the company scored according to trusted industry research organizations:

• J.D. Power Customer Satisfaction Ratings: Nationwide ranked eighth in customer satisfaction with 812/1,000 in the 2023 U.S. Home Insurance Study — seven points below the industry average. In the 2023 U.S. Auto Insurance Study, it ranked below the industry average for most regions.
• J.D. Power Insurance Claims Satisfaction Ratings: Nationwide’s scores in the 2023 U.S. Auto Claims Satisfaction Study are three points below average at 875/1,000. For home insurance claims, its score was much higher than average, ranking third overall nationally with a score of 884/1,000.
• NAIC Complaint Index Rating: Nationwide gets slightly more complaints than average on its homeowner insurance products with a score of 1.47. However, for personal auto, it receives significantly fewer than average, with a score of 0.41.
• A.M. Best Financial Strength Rating: The company earned an A rating for financial strength from AM Best.

Read More: Nationwide Home Insurance Review
Read More: Nationwide Car Insurance Review

Nationwide home and auto insurance is available in every state and territory except Alaska, Hawaii and Louisiana. You can also choose to purchase add-ons from the company that include but are not limited to:

• Dwelling replacement
• Flood insurance
• Belongings replacement
• Total loss deductible car waiver
• Vanishing deductible
• Roadside assistance

Erie offers the second most affordable home and auto insurance bundle on this list, but is limited to 12 states. However, those within its service area will be able to take advantage of its low overall rates, top-of-line customer service and generous discounts.

At average rates of $2,850 per year, you can get a home and auto insurance bundle from Erie Insurance. Even with low prices before discounts, the company gives you a generous bundling discount, saving customers an average of $817 per year:

If you meet these requirements, you can get additional discount savings:

• Install qualifying safety equipment in your home or vehicle to save.
• Pay in full to receive a reduction in your overall premiums.
• Get an advanced quote and save money.
• If you use your car less, you’ll get a discount on your car insurance.
• If you’re a young driver and a good student, you can receive a premium discount.

Below, you see Erie’s ratings from reputable organizations:

• J.D. Power Customer Satisfaction Ratings: In the North Central, Mid-Atlantic and Southeast regions where it has the most availability, Erie Insurance ranks in the top for auto insurance satisfaction, according to the 2023 U.S. Auto Insurance Study, and has consecutively for three years. It also ranked first place in the U.S. Home Insurance Study, with a score of 856/1,000.
• J.D. Power Insurance Claims Satisfaction Ratings: Erie also took first place for claims satisfaction in the 2023 U.S. Property Claims Satisfaction Study with 912/1,000. It landed in second place in the 2023 U.S. Auto Claims Satisfaction Study with 902/1,000.
• NAIC Complaint Index Rating: Erie’s complaint index scores are lower than average for both homeowners (0.38) and personal auto (0.60), meaning it receives fewer complaints on average than other providers its size.
• A.M. Best Financial Strength Rating: Erie property and causality is rated an A+ rating for financial stability.

Read More: Erie Home Insurance Review,
Read More: Erie Car Insurance Review

Erie home and auto insurance is available in the following states and territories:

You can also get these add-ons to your policy bundle:

• Other structures
• Loss of use coverage
• Theft of home belongings
• Pet insurance coverage
• Roadside assistance
• New car replacement

Allstate is our fifth overall pick for the best home and auto insurance since it has plenty of coverage add-on options and the flexibility to meet your needs. Its homeowners policies are some of the most affordable on the market and a large selection of discounts are available to sweeten the deal.

Allstate has the third-greatest savings from home and auto insurance bundles at an average of $908 per year. An Allstate auto and home insurance bundle is around $3,921 per year:

Along with bundling home and auto, you can get larger savings with these discounts:

• Allstate Drivewise: You can save up to 40% for good driving.
• Paperless discount: Get paperless statements online and save.
• Early signing: Get a policy within seven days of getting a quote and get a discount.
• New car: If you have a new car less than a year old, you can save.
• Distant student: If you’re away from your car due to schooling, you can get significant savings.

To further support your understanding of how Allstate stacks up, we’ve provided ratings from reputable agencies:

• J.D. Power Customer Satisfaction Ratings: In the 2023 U.S. Auto Insurance Study,  Allstate sits around the industry average for customer satisfaction among all regions. However, in the 2023 U.S. Home Insurance Study, the company ranks 10 points below average, at a score of 809/1,000.
• J.D. Power Insurance Claims Satisfaction Ratings: The auto claims process with Allstate is more well-received on average, scoring four points higher than average with a score of 882/1,000. When it comes to home insurance claims, Allstate scores below average, with a score of 868/1,000, or six points below average.
• NAIC Complaint Index Rating: Allstate receives a higher amount of complaints than average for both its homeowners insurance (1.92) and personal auto (1.02).
• A.M. Best Financial Strength Rating: Allstate earned an A+ rating from A.M. Best for overall financial strength.

Read More: Allstate Home Insurance Review
Read More: Allstate Car Insurance Review

Allstate home and auto insurance is available with agents across the country to assist you. Below, we’ve summarized some additional coverage options you can get on your policy:

• Classic car insurance
• Mexico car insurance
• Vehicle service contract
• Yard and garden equipment coverages
• Water backup
• Electronic data recovery

USAA earned our sixth spot for the best home and auto insurance bundle, and while its discount is lower than the other companies on this list, the provider makes up for it with lower average costs and some of the best customer service in the industry.

USAA home and auto insurance coverage costs an average of $3,463 per year on average when bundling. With a USAA home and auto bundle, you’ll save an average of $245 per year:

To sweeten the deal further, USAA has these discounts other than bundling:

• Multi-policy: If you get other policies, you can save up to 5% for each.
• Loyalty: Be with USAA for over three years and save 5%.
• Connected home: If you have smart devices to monitor home health, save up to 7%.
• Family discount: If additional family members get a policy, you’ll get a discount.
• Military installation: Get a car insurance premium reduction when you’re deployed.

In the bullet points below, we’ve summarized industry ratings from reputable agencies:

• J.D. Power Customer Satisfaction Ratings: While USAA did not qualify due to limited availability to military and their families, it ranked first overall for customer satisfaction for both home and auto.
• J.D. Power Insurance Claims Satisfaction Ratings: USAA ranked first for auto claims and second for home insurance claims.
• NAIC Complaint Index Rating: USAA receives fewer complaints than average for both its homeowner (0.52) and personal auto (0.98) categories.
• A.M. Best Financial Strength Rating: USAA got the highest financial strength rating possible from A.M. Best with an A++ score.

Read More: USAA Home Insurance Review
Read More: USAA Car Insurance Review

USAA has availability in all 50 states only for retired or active military members and their families. Below, you can review the add-on coverage options available with USAA:

• Cyber insurance
• Flood and Earthquake
• Valuables coverage
• Umbrella insurance
• Rideshare insurance
• Classic car insurance
• Roadside assistance
• Accident forgiveness
• Car replacement assistance
• Rental reimbursement