Bundle Home and Auto Insurance 2025 – How Much You Can Really Save
Freshly updated December 2025 – latest multi-policy discounts, new bundling perks for renters, and EV + home bundle savings added.
Table of Contents
- Why bundling is still the biggest discount in insurance
- Average savings right now (December 2025)
- Companies that give the largest bundle discounts
- How much real drivers are saving this year
- Fastest ways to get the maximum discount
- Frequently Asked Questions (plain text)
Why bundling is still the biggest discount in insurance
Bundling simply means buying your home (or renters) insurance and auto insurance from the same company. Almost every major carrier offers it because they want all your business instead of just half.
In 2025 the average multi-policy discount is now 16–32 % off both policies combined. That usually works out to $600–$1,800 a year in real money.
Average savings right now – December 2025
| Situation | Typical yearly savings | Largest discount seen |
|---|---|---|
| Homeowners + one car | $680 – $1,420 | Up to $1,980 |
| Homeowners + two cars | $980 – $1,980 | Up to $2,700 |
| Renters + one car | $320 – $780 | Up to $1,100 |
| Condo + one car | $540 – $1,280 | Up to $1,650 |
| Home + EV/Tesla | Extra 5–12 % on top | Up to $2,400 total |
Companies that give the largest bundle discounts
- State Farm – consistently the biggest bundle discount (up to 32 % in many states)
- Allstate – very strong for homeowners + multiple cars
- Travelers – excellent for condo and renters bundles
- Progressive – great when you bundle with their home or renters policy
- Liberty Mutual – aggressive discounts for new customers
- American Family & Nationwide – top performers in the Midwest
How much real drivers are saving this year
- Typical homeowner with two cars: $1,050–$1,680 saved yearly
- Renter with one car: $420–$780 saved yearly
- Family with a Tesla + home policy: extra $250–$600 on top of the regular bundle
- New home buyer who bundled at closing: often $1,400–$1,900 the first year
Fastest ways to get the maximum discount
- Bundle both policies at the same time (biggest discount)
- Add every car in the household (each extra vehicle increases the discount)
- Pay in full for the year instead of monthly
- Use the same company for umbrella coverage (adds another 10–20 % off)
- Own an EV or have home solar panels (many companies now stack extra green discounts)
- Ask about “loyalty” or “new-customer” bundle bonuses (some give up to $500 cash back)
Frequently Asked Questions (plain text)
Q: How much can I really save by bundling home and auto in 2025? A: Most people save $680–$1,800 a year. Families with two or more cars often hit $1,500+.
Q: Does bundling work with renters insurance too? A: Yes – renters usually save $320–$780 a year, sometimes more.
Q: Which company gives the biggest bundle discount right now? A: State Farm is still the leader (up to 32 % in many states), followed closely by Allstate and Travelers.
Q: Do I have to switch both policies at once? A: You get the biggest discount if you do, but most companies will still give a solid discount even if you move one policy first.
Q: Can I bundle with an EV or Tesla and save even more? A: Yes – many carriers now stack an extra EV discount on top of the regular bundle.
Drop your state and how much you’re saving (or think you could save) in the comments – we answer every one!
