Family packing things in the car.

Can you really save if you choose to bundle insurance?

It’s more than likely. And savings aren’t the only advantage of bundling insurance.

What is bundling insurance?

The technical term is “multi-line discount”, referring to the purchase of more than one policy (usually two). But don’t worry. If you say, “Maybe I should bundlefootnote 1 auto and home insurance”, your agent will know exactly what you mean.

Key takeaways

Bundling your home, auto or life insurance can:

  • Help you save money
  • Provide one agent for your policies
  • Consolidate your insurance payments and timing

Why should I consider bundling my policies?

That’s a two-word answer: simplicity and savings. Let’s say you have auto insurance and homeowners insurance from two different companies. This means you’re dealing with two different agents. Paying two different bills – probably at two different times. And chances are, you’re paying more than you should.

Bundling is a way to simplify that picture, bringing all your coverages together in one place to save you time, effort and money. Bundling insurance is a step many insurance companies advise their customers to take, for a lot of very good reasons.

For example, if you decide to bundle home and auto insurance, you’ll get the coverage and service you want, plus other advantages you may not be enjoying now.

  • More money in your pocket
  • A single bill for all your policies
  • A single agent to go to for all your needs
  • A single company to provide all-round service

If many insurance companies recommend bundling insurance policies, it will come as no surprise that we recommend you choose to bundle with State Farm®.

But keep in mind that bundling is just one factor in your savings equation. Ask yourself, “How much coverage do I really need?” This will determine the coverage options you select. For example, here are just a few we offer for our auto insurance:

Collision insurance - In case your vehicle hits an object, another vehicle or overturns in an accident.

Comprehensive insurance - In case your vehicle is stolen or damaged by something other than a collision.

Emergency roadside service - This option pays for reasonable expenses to get your covered vehicle back in service.

Of course, there’s a range of options available for our home, renters, condo, and life insurance policies as well. Then there’s the question of setting your coverage limits and deductibles. When you’re bundling, these factors all impact what you save. Fortunately, your State Farm agent specializes in helping you select the options, limits and deductibles that best meet your needs. And in the end, you’ll have your own Personal Price Plan™footnote 2, giving you every advantage mentioned above, plus some others only State Farm can deliver.

For example, bundling home and auto means an average savings of $1,273 a yearfootnote 3 (around $106 a month). Discounts like Drive Safe & Save® could save you even more – up to 30%footnote 4.

Then again, State Farm insurance agents specialize in personal service, getting to know you and your situation so they can understand your needs. And of course, you’ll have the nation’s largest claims service in your corner.

Finally, after bundling insurance policies, you’ll be able to view them all in one place by simply logging in to your online account or downloading our mobile app.

Can home and auto insurance be bundled?

As the name implies, bundling involves the purchase of at least two different policies. Since every state (except New Hampshire) requires drivers to purchase auto insurance, that will most likely be the first policy in your bundle. From there, it just depends on what other coverage you need.

Auto and home

A home and auto insurance bundle with us could save you money, simplify your bills, and help protect your two biggest investments.

Auto and condo

It’s just as simple to create a car and condo insurance bundle that helps protect your ride, your home and your budget.

Auto and renters

Beyond our competitively priced renters insurance, an auto and renters insurance bundle could save up to $704 a year.footnote 3

Auto and life insurance

State Farm’s life insurance helps protect the people in your life who matter most. And bundling it with a State Farm auto policy will help you save money.

Multiple automobile discount

If there are two or more vehicles in your driveway that are owned by family members and insured by State Farm, you may qualify for a  multi-car discount which can save you as much as 20%.footnote 1

How do I start?

Talk to your agent. Don’t have one? You can contact one of our State Farm agents today.

For over 100 years we’ve been helping people save money as they manage the risks of everyday life. We can help you, too. Like a good neighbor, State Farm is there.®

1 Customers may always choose to purchase only one policy but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.

2 Prices are based on rating plans that vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.

3 Average annual per household savings based on a 2023 national survey by State Farm of new policyholders who reported savings by switching to State Farm.

4 Discounts may exceed 30% and vary state-to-state (NY capped at 30%). Not available in CA, MA, RI. A discount may not be available in NC depending on individual facts and circumstances. Setup required.

The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third-party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.

State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
State Farm Fire and Casualty Company
State Farm General Insurance Company
State Farm Life Insurance Company (Not licensed in MA, NY or WI)
State Farm Life and Accident Assurance Company (Licensed in NY and WI)
Bloomington, IL

State Farm County Mutual Insurance Company of Texas
State Farm Lloyds
Richardson, TX

State Farm Florida Insurance Company
Winter Haven, FL

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