Looking for ways to save money on insurance in 2025? Bundling your home and auto insurance policies is one of the easiest and most effective strategies. Many top insurance companies in the USA offer major discounts when you combine both policies — often called a multi-policy discount. In this guide, we’ll explain how bundling works, how much you can save, and which companies offer the best deals.
What Is Insurance Bundling?
Insurance bundling means purchasing multiple insurance policies (like homeowners and car insurance) from the same provider. It simplifies your coverage, reduces paperwork, and most importantly — lowers your monthly premiums.
Top 5 Benefits of Bundling Home and Auto Insurance
✅ 1. Big Discounts
Most insurers offer 10% to 25% off when you bundle. Some companies may even offer up to 30% depending on your state and claim history.
✅ 2. Simplified Management
You get one monthly bill and a single point of contact for claims or policy questions.
✅ 3. Loyalty Perks
Bundled customers often receive priority service, renewal benefits, or accident forgiveness.
✅ 4. Increased Eligibility
You may qualify for more coverage options, including umbrella policies, when you bundle.
✅ 5. Stronger Negotiation Power
Bundled customers are more valuable to insurers, giving you leverage to negotiate better rates.
How Much Can You Save?
| Insurance Provider | Average Bundle Discount |
|---|---|
| State Farm | Up to 17% |
| Progressive | Up to 20% |
| Allstate | Up to 25% |
| GEICO | Up to 15% |
| Liberty Mutual | Up to 30% |
Savings may vary based on location, driving history, and home value.
Best Companies for Insurance Bundles in 2025
- State Farm – Reliable, local agents, and strong bundle discounts.
- Progressive – Easy online bundling and great for tech-savvy users.
- Allstate – Known for feature-rich policies and solid discounts.
- Liberty Mutual – Offers customizable bundling options.
- USAA – Ideal for military families with deep multi-policy savings.
Tips to Maximize Your Bundle Savings
- Shop around annually to ensure you’re getting the best bundle rate.
- Increase deductibles (if financially safe) for even lower premiums.
- Keep a clean driving record to maximize auto discounts.
- Maintain good credit, as it influences both auto and home insurance costs.
- Review policy limits to avoid overpaying for unnecessary extras.
Is Bundling Always the Right Choice?
Not always. Here are a few situations when bundling may not save money:
- If your home insurer doesn’t offer competitive auto rates.
- If one of your policies has recent claims or high risk, the bundle price may be higher.
- Some specialty insurers may offer lower standalone rates for high-risk drivers.
Always compare bundled vs. separate policy quotes before deciding.
Final Thoughts
Bundling your home and auto insurance is one of the smartest ways to save money in the USA in 2025. It offers convenience, discounts, and better policy benefits. Just remember to compare quotes, review coverage details, and evaluate customer service before committing to a bundled policy.