Multi-Policy Bundling: How Much You Actually Save (2026)

Bundling home and auto insurance with the same carrier saves drivers an average of $542 a year, according to MoneyGeek's 2026 analysis of seven national carriers — though the discount ranges widely, from Progressive's roughly 5-6% up to State Farm's 25%. For the full savings playbook, see our how to lower your premium pillar guide.

Bundle discount by major carrier

Why the discount varies so much between insurers

Bundle discounts aren't standardized — each insurer prices the combined risk of a customer's home and auto policies differently, and some carriers use bundling primarily as a customer-retention tool (a bigger discount to keep both policies from leaving) rather than a reflection of lower underwriting risk. That's why State Farm's 25% and Progressive's 5% can coexist in the same market: they're pricing the same bundle differently, not measuring different things.

When bundling is worth it

Bundling makes the most sense when the bundled insurer's individual home and auto rates are already competitive on their own — a large bundle discount on an otherwise expensive base rate can still land higher than two separately shopped policies. Compare the bundled total against your best standalone auto quote (see our best car insurance companies guide) and best standalone home quote before committing.

When it's not worth it

If your home and auto risk profiles are very different — for example, a high-value home in a low-crime area paired with a high-risk driving record — a single insurer's combined pricing model may not be competitive on either policy individually. In that case, two specialist insurers, each strong in one line, can beat a generalist bundle even after the discount.

Frequently asked questions

How much does bundling home and auto insurance save on average?+

About $542 a year on average across major national carriers, according to MoneyGeek's 2026 analysis, though the discount ranges from roughly 5% at some carriers to 25-30% at others.

Which insurer offers the biggest bundling discount?+

State Farm has been reported to offer the largest published bundle discount among major carriers at up to 25%, translating to roughly $847 in average annual savings, while Progressive's bundle discount averages a smaller 5-6%.

Is it always cheaper to bundle home and auto with one company?+

Not always. If an insurer's individual home or auto rates aren't competitive to begin with, a bundle discount on top of an already-high base rate can still cost more than shopping the two policies separately with specialist insurers.

Do renters insurance and auto insurance bundle the same way as homeowners?+

Yes, most major carriers offer a similar bundle discount for renters insurance paired with auto insurance, though the discount percentage and dollar savings tend to be smaller than a homeowners bundle since renters policies are less expensive overall.