Insurance Bundling Savings

Auto + Home from same carrier typically saves 5-25%.

Inputs

Typical 5-15% on each line. Some carriers offer 20-25%.

Result

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How to use this calculator

  • Enter current auto + home annual premium.
  • Enter expected bundle discount %.
  • Compare to unbundled alternatives.

About this calculator

Bundling auto + home with the same insurer commonly saves 5-25%. Some carriers (USAA, State Farm, Allstate) offer steeper bundling discounts; others (GEICO, Progressive) are sometimes cheaper unbundled. Always compare total cost not just discount %. Add umbrella ($1M coverage usually $200-400/yr) to the bundle for additional discount and asset protection.

Frequently asked

Always bundled cheaper?+
No — sometimes one company's strong discount on auto plus a separate cheap home insurer beats bundling. Get standalone quotes too.
Add umbrella?+
Yes — most carriers require auto + home with them before issuing umbrella. Adds $1-2M liability for ~$200-400/yr.
Switch carriers?+
Compare every 1-2 years. Loyalty discounts wear off; new-customer offers are aggressive.
Renters insurance bundle?+
Many auto carriers offer renters bundling. $150-200/yr additional, easy to add.
Why discounts?+
Insurers know multi-line customers churn less. Discount is acquisition cost spread over more revenue per customer.

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