Best Home And Auto Insurance - Our winner for the best home and auto insurance package is Auto Owners — thanks to its competitive rates, variety of auto and home insurance coverage, and ratings for customer satisfaction and financial stability. Our other top picks for the best insurance packages of 2022 are State Farm, Erie, and Farmers.
The best insurance company to collect is not necessarily the cheapest. When choosing a home and auto package, you'll also want to consider claims settlement, customer service, and available coverage options. This is where our assessment of the collection begins.
Best Home And Auto Insurance
We've created custom assessments to analyze how a company's merger package stacks up against competitors. To determine our top picks, we looked at each company's bundled average rates, claims satisfaction scores, financial stability ratings, and home and auto coverage options. You can read our full recipe below.
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To calculate the average collection rate for each company, we analyzed sample policies from more than 50 carriers to learn the difference between purchasing your home and auto insurance policies together versus purchasing them separately. Keep in mind that the actual rate you're quoted will vary based on many additional factors.
How we score: Ratings are determined by our editors. Our methodology takes into account many factors, including pricing, financial evaluation, quality of customer service and other product-specific characteristics.
Auto owners insurance earns a top pack rating thanks to its low rates, home and auto insurance discounts, and customer satisfaction ratings.
Homeowners insurance topped our analysis of home and auto insurance packages thanks to its competitive rates, below-average customer complaint rates, and a variety of discounts and coverage options.
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Not only can you collect home and auto insurance, but it also offers life, pet, umbrella, farm, boat, business insurance and more. With all insurers striving for it, it's no wonder it was awarded "Best Regional Home Insurance Company" on our list of the best home insurance companies.
State Farm's nationwide presence, low collection rates, and excellent customer satisfaction ratings make it a top choice for collecting home and auto insurance.
Low rates combined with high customer satisfaction ratings and excellent financial stability ratings are just a few reasons to love State Farm for your home and auto insurance.
It's an especially good choice for buyers who are considered risky to insure—it won the "Best Insurance Company for High-Risk Homes" award in our list of the best home insurance companies.
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Erie thanks to its highly competitive bundle rates, multiple insurance policies you can combine, and great coverage features.
We're big fans of Erie for combining your home and car insurance with its incredibly low rates — it has the lowest premiums of all the companies we've reviewed. It's also a one-stop shop for all your insurance needs, offering small business, ATV, collector car, umbrella insurance and other insurance options.
Another perk we love? Its automatic insurance rate lock, which allows you to prevent premium rates from going up year after year.
With dozens of insurance discounts available, Farmers is great for many insurance quotes you can go beyond home and auto policies and great customer complaint scores.
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We love putting farmers together, thanks to its many potential discounts, you may be eligible to lower your rates even further – 32 to be exact. And it offers life, pet, umbrella, small business and other insurance options. z joins the group of other companies on our list that offer several types of insurance, including
USAA received the highest score in our ranking of the best home and auto insurance packages due to their extremely low average rates of $2,434 on average for home and auto insurance.
However, we didn't include them in our top picks because the company only works with military personnel and their families. But we recommend that anyone shopping for home and auto insurance consider USAA if you qualify.
Here's a full breakdown of the 10 insurance companies we've rated based on their packages, as well as the average annual cost of home insurance and auto insurance.
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We've prioritized this list based on each insurer's bundle rating because the ratings take a holistic look at each insurer's strengths and weaknesses.
We've analyzed home and auto insurance rates from Quadrant Information Services to narrow down the best bundle discounts that result in overall savings for policyholders. We then convert the difference into a percentage to determine how much you're saving when bundling.
Most insurance companies list discounts (also called multi-policy discounts) on their websites, but it can be confusing.
Why? Because if the company's policy is more expensive than average, big discounts don't always mean paying less. A 30% cumulative discount doesn't mean much if the base rate is 25% higher than the competition.
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Let's say you get quotes from two different insurance companies with annual home and auto insurance rates, what will they offer you as a discount if you don't bundle.
Although Company 1 offers higher deductibles, its base rates are higher for home and auto insurance. On the other hand, Company 2 offers fewer package discounts, but its base rates are lower across the board.
In this example, the cheapest company is company 2, although this pair has a lower package discount.
When analyzing the cheapest home and auto insurance packages nationally, we found that many regional carriers that only operate in one or two states often have the lowest rates.
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That's why we've limited our list to companies with stores in at least 25 states, so you can find a carrier that writes policies where you live.
With that in mind, American National offers the cheapest home and auto insurance packages — with average rates of $1,864 a year — followed by Erie and Selective Insurance.
When comparing these companies, keep in mind that price is not the only factor to consider when choosing an insurance company to combine your policy with. You'll also want to look into each carrier's customer service, ease of making a claim, and coverage options to find the best company for all of your needs.
Here's a look at the cheapest bundle rates in each state. State Farm was the lowest-cost carrier in 18 states, followed by USAA in eight states.
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Remember, your actual rate depends on your zip code, claims history, credit score, coverage limits and other factors.
Our editors ranked the 10 most popular insurance companies in America by packages. But these aren't the only carriers that allow you to buy home and auto insurance together.
The average customer saves $1,250 a year on their home and car insurance.
Talk to an insurance broker to get connected to quotes from the best insurers in the country - all for free, without affecting your credit and with no spam calls to worry about.
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Through the suite, we handle all the paperwork involved in switching insurers - from purchasing a new policy to canceling your old policy.
The easiest way to start using the insurance market for your home and car insurance - we do all the work for you.
Here's what to expect during the consolidation process and how to compare policies to find the best one for you:
Step 1: Answer a few questions about your home and auto coverage to get bundle quotes
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Answer a few questions about your home and the vehicles you want to insure, and one of our licensed insurance agents will provide you with quotes from the best companies to consider.
They will help you determine whether you need more or less coverage than your previous policies and advise you on any additional coverage that should be considered. All free, no impact on your credit score.
Comparing rates from multiple companies can help you get the best coverage at the lowest price. But remember, the cost of your home and auto insurance package isn't the only thing to consider.
You'll want to compare price as well as customer satisfaction and financial stability ratings to make sure you're not sacrificing quality to save a little money.
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You can use our bundle ratings to help you compare your options. They take into account each company's financial strength and stability, customer satisfaction scores, bundle rates and available discounts to give you an overview of each company's strengths and weaknesses.
Some companies may offer to insure your home and auto, but then they pass one of the policies back to another company that handles the payments and claims. Although you can still save money, it uses a pooling policy with the same company. And you probably can't afford just one
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