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Best insurance companies for car and home in 2026
Key takeaways
- Bundling car and home cover with one carrier can lower the combined bill, but the size of the saving depends on state, home value, driving record, and deductibles.
- State Farm stands out for local agent support and a large advertised bundle saving, while USAA is a strong value pick for eligible military households.
- Amica is worth a quote for service-focused buyers, and Erie and Auto-Owners are strong regional options where they are available.
- Always compare the same limits and deductibles across quotes, because a low headline price with thin cover can cost far more after a claim.
Quick comparison
| Pick | Great for | Pricing starts at | Free tier | |
|---|---|---|---|---|
 State Farm | Local agent support | See website | No | Visit |
 USAA | Military households | See website | No | Visit |
 Amica | Service and bundle value | See website | No | Visit |
 Allstate | Wide bundle discounts | See website | No | Visit |
 Nationwide | Simple bundling | See website | No | Visit |
 Progressive | Online quotes and bundling | See website | No | Visit |
 GEICO | Low-cost auto paired with home partners | See website | No | Visit |
 Travelers | Home and auto in one place | See website | No | Visit |
 Erie Insurance | Regional value and service | See website | No | Visit |
 Liberty Mutual | Custom cover and discounts | See website | No | Visit |
The best insurance companies for car and home
We compared carriers that sell both auto and homeowners cover, or that pair auto cover with a home product through a partner, and we weighed bundle savings, claims support, and availability. Prices are quoted individually, so use these picks as a shortlist for quotes rather than a final price ranking.
State Farm is our first pick for households that want a person to talk to when something goes wrong. With around 19,000 agents, it is easy to find local help for a claim, a coverage question, or a change after a move or a new car purchase. Its own site points to potential bundle savings of up to $1,429 per household, although the actual figure will depend on your state and profile.
The catch is that State Farm is not the cheapest option in every state or for every driver. Read the policy wording on roof cover, water damage, and deductibles before you commit, and ask which discounts apply in your state.
- Large agent network
- Strong bundle saving advertised on its own site
- Well-known claims and app support
- Prices and discounts vary a lot by state
- Property claims satisfaction has lagged in some public surveys
USAA is the clearest value pick on this list for households that qualify. It serves current and former military members and eligible family members, and its combined home and auto pricing is often competitive in public comparisons. Having both policies with one carrier also makes billing and claims simpler.
The limit is eligibility. If you do not qualify, USAA is not an option, and its advertised bundle discount is smaller than the headline figures from some competitors. A smaller discount on a lower starting price can still beat a larger discount on a higher price, so eligible buyers should still get other quotes.
- Strong value for eligible members
- Military-focused service
- Auto and home cover from one provider
- Eligibility is limited to military members, veterans, and eligible family
- Bundle discount is modest compared with some rivals
Amica appeals to buyers who rank service above a rock-bottom quote. It has a long history in mutual insurance, which means it is owned by policyholders rather than outside shareholders, and it often scores well for customer satisfaction. Its bundle discount is frequently cited at up to 30 percent.
The honest catch is availability and starting price. Amica does not write every product in every state, and its unbundled rates can look high until the multi-policy discount is applied. Ask for bundled and separate quotes, and ask how an older roof or claims history affects eligibility.
- Long record of strong customer service scores
- Bundle discount advertised up to 30 percent in some comparisons
- Dividend options on some policies
- Not available in every state for every product
- Premiums can be higher before the bundle discount
Allstate is a practical choice for households that want a national carrier with a wide menu of discounts. It sells auto and home cover in most states, and it offers add-ons such as accident forgiveness, new car replacement on some plans, and identity protection through separate products.
The trade-off is consistency. Bundle savings and renewal prices can shift by state and by risk profile, so a good first-year quote is not a promise about year two. Check renewal terms and whether telematics discounts require ongoing app use.
- Broad national availability
- Many discount options
- App-based claims and driving tools
- Bundle savings vary by state
- Some drivers report higher renewal prices
Nationwide keeps the bundle simple, which is a real benefit for busy households. You can pair auto and home cover, add umbrella cover for extra liability protection, and manage policies through one account.
The catch is that Nationwide rarely wins on discount size alone. Its bundle saving often sits in the middle of the pack, so compare it with State Farm, Amica, and a regional carrier, and check state availability.
- Straightforward bundling
- Van and pet cover options through related products
- Strong agent and online support
- Bundle discount is mid-range in many comparisons
- Availability varies by state and product
Progressive is best for buyers who want to compare auto prices quickly online. Its quoting tools are clear, its Snapshot program can reward careful driving, and it offers home cover directly or through partners depending on the state. For renters and condo owners, Progressive also pairs auto cover with renters or condo policies.
The honest catch is the bundle math. Progressive often reports a smaller average bundle saving than carriers that write both lines in-house, so the convenience of one bill may not produce the lowest total. If home cover comes from a partner, ask who handles a home claim and whether the auto discount survives a change of home carrier.
- Easy online quoting
- Name Your Price tool for auto
- Snapshot driving program can lower auto costs
- Bundle discount is often smaller than rivals
- Home cover may be underwritten by a partner in some states
GEICO is a strong auto-first pick that many households pair with home cover. Its direct model keeps overhead low, and its app makes payments, ID cards, and claims straightforward.
The catch is the structure of the bundle. Because home cover may come from a partner carrier, ask which company writes it and what happens to the auto discount if the home policy moves.
- Often competitive auto pricing
- Simple online and app experience
- Home cover arranged through partners
- Home cover is not always written by GEICO itself
- Bundle saving may be smaller than in-house bundles
Travelers suits homeowners who want a well-established carrier for both lines without a complicated product menu. It offers standard home and auto cover, plus add-ons that can matter after a loss, such as replacement cost options and cover for additional living costs.
The catch is that Travelers does not always lead on price or on bundle discount size. In some states its saving is modest, and quoting can route buyers to an agent.
- Long-established carrier
- Home and auto from one company
- Useful add-ons such as green home cover on some plans
- Bundle discount can be modest in some states
- Online quoting is less direct in some areas
Erie Insurance is a regional carrier with a loyal customer base, and it earns its place for buyers inside its footprint. Its agents are local, its bundle pricing is often competitive, and it offers practical add-ons such as first accident forgiveness on some auto plans and guaranteed replacement cost for qualifying homes. In its footprint, Erie is often one of the first quotes to get.
The limit is geography. Erie does not sell in every state, so many readers will not be able to buy it at all. Check eligibility for older homes and roof condition, and compare its bundled total with a national carrier.
- Strong service reputation in its footprint
- Competitive bundle pricing where available
- Local agents
- Limited to a group of states, mainly in the East and Midwest
- Not an option for many western households
Liberty Mutual rounds out this list for households that want to tailor cover. It offers a long list of discounts, including multi-policy, multi-car, safe driving, and home safety discounts, and it lets buyers adjust deductibles and add-ons online. Its own materials point to bundle savings of more than $950 for some customers, although the actual saving depends on the policies and the state.
The catch is variation. Liberty Mutual can be very competitive for one household and expensive for the next, so it should never be chosen on brand alone. Get a full quote with matching limits, and re-quote at renewal.
- Wide range of discounts and cover options
- Online quoting
- Accident forgiveness and new car replacement on some plans
- Pricing can vary widely by profile
- Some buyers report higher renewal prices
How we picked these
We compared official feature pages, pricing and discount pages, app store listings, privacy policies, and public reviews for carriers that offer both car and home cover, or that pair auto cover with a home product. We favoured carriers with broad availability, clear bundle terms, and a workable claims path, and we included regional carriers where their service and pricing make them a real alternative. We did not claim hands-on testing, and we did not rank carriers on a single national price, because insurance prices are personal and vary by state, home, vehicle, and driving history.
What to check before you bundle car and home cover
Start with the same coverage on every quote. Match liability limits, collision and comprehensive deductibles, dwelling replacement cost, personal property limits, and liability limits for the home policy. A quote that looks cheaper because it cuts dwelling cover or raises the auto deductible is not a like-for-like comparison, and it can leave a large gap after a claim.
Discounts that actually move the price
Ask each carrier to list every discount separately, including multi-policy, multi-car, safe driver, telematics, home security, new roof, and paid-in-full discounts. Some discounts require a device, an app, or a home inspection, and some expire after a year. A bundle discount that depends on keeping both policies active should be weighed against the cost of staying with a carrier whose renewal price has risen.
Cover gaps to read closely
Check flood and earthquake exclusions, roof settlement rules, water damage limits, and auto cover for rental cars and roadside help. If you work from home, own high-value items, or have a teen driver, tell the agent before you buy, because those facts change the right limits. Keep a copy of the declarations page for each policy, and confirm that both policies show the same household address and named insureds so the bundle discount stays active.
Frequently asked questions
What are the best car and home insurance companies?
The best car and home insurance companies depend on your state, home, cars, and driving record, so there is no single winner for every household. State Farm, Amica, USAA for eligible households, and Erie where available are strong starting points, alongside Allstate, Nationwide, and Travelers. Get at least three bundled quotes with matching limits before you choose.
What is the best home and car insurance company for bundling?
The best home and car insurance company for bundling is the one that gives you the lowest combined price for the same cover, not simply the largest advertised discount percentage. A 30 percent discount on a high starting price can still cost more than a 10 percent discount on a low starting price. Compare bundled totals, check renewal terms, and confirm whether the discount applies to both policies or only one.
Which is the best insurance company for auto and home for military families?
USAA is often the best insurance company for auto and home for military families, because it is built for service members, veterans, and eligible family members and it offers both lines from one provider. Eligibility rules apply, so confirm that you qualify before you spend time on a quote. Military households should still compare USAA with at least one national carrier, especially after a move to a new state.
Are the best rated home and car insurance companies always the cheapest?
No, the best rated home and car insurance companies are not always the cheapest, because ratings often reflect service and claims handling as well as price. A carrier with strong service scores may charge more, while a low-cost carrier may have a slower claims process or stricter cover limits. Decide how much weight to give service, price, and local agent support, then compare quotes on that basis.
Should I choose the best homeowner and auto insurance companies separately?
Sometimes buying the best homeowner and auto insurance companies separately beats a bundle, especially if one carrier is strong on auto and weak on home in your state. A separate purchase can also make sense if you need specialist home cover for flood risk, an older home, or a high-value property. Run both comparisons, bundled and separate, with identical limits, and choose the lower total for the cover you actually need.
Do insurance quotes vary by state and profile?
Yes, insurance quotes vary by state and profile, and this disclaimer matters: this is general information, not personal insurance advice, and quotes vary by state, home, vehicle, driving record, credit factors where allowed, and claims history. Discounts and availability also vary by state, so a deal reported in one state may not be available in yours. Use quotes for your own address and household, and review cover limits with a licensed agent if you are unsure.
Sources
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