The Best Car Insurance Bundles in 2026

Depending on your location, vehicle, and other factors, car insurance rates can be expensive. However, if you "bundle" your car insurance with another policy, such as homeowners insurance, through the same insurance company, you'll likely receive a significant discount on both policies. This is known as a bundling discount, and it's one of the easiest ways to save a great deal on your auto insurance and other coverage.

If you need more than one type of personal insurance, it's a great idea to consider bundling your policies to get the best rate. To make sure you're getting all the discounts you qualify for and to learn more about bundling, contact a local independent insurance agent. They can help you compare quotes from multiple insurance companies to get the best coverage and rate. But first, here's a closer look at car insurance bundling discounts and the best carriers for 2026. 

What Are Car Insurance Bundles?

Bundling multiple insurance policies consolidates your coverage under a single carrier. There are many benefits to this, such as easy customer service, combined billing, and more. One of the best benefits is the car insurance bundle discount you'll receive. Many car insurance companies use the terms "bundling discounts" and "multi-policy discounts" interchangeably, but they refer to the same thing.

You're not only limited to discounts on home and auto insurance bundles. While bundling car and home insurance is one of the most popular ways to get this discount, generally, you can bundle just about any type of personal insurance. For example, you can often bundle car and renters insurance for a discount. Additionally, you can bundle several policies at once. 

How Do Car Insurance Bundles Work? 

Bundling your car insurance simply means that you buy another type of personal insurance from the same carrier as your auto policy. While car insurance is typically bundled with home or renters insurance, it can also be bundled with other types of policies, such as RV insurance or umbrella insurance. 

Car insurance bundles are easy to get. You simply need to purchase one or more additional insurance policies from the same company, and they often automatically apply a bundling discount to the eligible policies. While the discount amount can vary among insurance companies, it is one of the best and most reliable ways to save money. 

Multi-policy discounts on car insurance have several benefits, including a single deductible and simplified billing for all of your policies. The single deductible benefit for bundling your insurance means that you'd only be responsible for paying one deductible if a disaster caused a loss that applied to both types of coverage, which increases your chances of receiving more reimbursement.

Bundling your coverage also means you have all your policies in one place, which can benefit you with streamlined billing and the ability to manage them with one online account and one agent. Keep in mind that canceling one policy may eliminate your insurance bundling discount.

How Much Can You Save by Bundling Insurance in 2026?

The average savings from bundling your coverage range from 10% to 25% off your premiums. This translates to about $542-$869 in average savings by bundling home and auto per year. So, how much can you save by bundling home and auto per month? The average ranges from $45 to $72. Throughout the lifetime of your policies, these savings can really add up.

Bundle discount comparison by carrier (2026)

Want to find the cheapest auto insurance after you've bundled your policies? The table below compares some of the best bundling discounts by top-rated carrier for 2026.

Best Home and Auto Insurance Bundles in 2026

Bundling discounts are one of the most common types of car insurance discounts, so it's not difficult to find a carrier that offers this benefit. Here are a few of our top picks for the best home and auto insurance bundles by carrier for 2026.

• Progressive: Progressive offers car insurance across all 50 states. The carrier is known for excellent financial strength and 24/7/365 customer service.
  • You can get a discount for bundling any two or more Progressive policies, including car, home, condo, renters, RV, boat, or motorcycle insurance.
  • Progressive's bundling discount is estimated to be between 5% and 7%.
• Travelers: Travelers offers highly rated car insurance and a variety of other personal insurance options, including home and renters insurance, across the U.S. The carrier is known for its outstanding official ratings and longstanding history in the industry.
  • Travelers offers a bundling discount averaging 11%.
• Nationwide: Nationwide offers auto insurance and other popular personal insurance products. The company is represented by independent insurance agents in 50 states. 
  • Nationwide's bundling discount offers a potential savings of up to 15%-17%. 
• Allstate: Allstate offers car insurance and many other types of personal insurance products. The carrier has outstanding financial strength and works with independent insurance agents.
  • Allstate's average bundling discount ranges from 17% to 25%.
• USAA: USAA is a highly rated carrier that offers car insurance and many other personal insurance coverages for military members, veterans, and their families. The carrier has the highest possible AM Best rating for financial strength of A++.
  • USAA's average bundling discount is up to 10%.
• Amica: Amica also offers car insurance and other types of personal coverage. The carrier has excellent official ratings.
  • Amica's average bundling discount is up to 30%.
• American Family: American Family is known for offering car insurance and several other personal insurance products. The carrier has excellent official ratings and offers 24/7 claims reporting.
  • American Family's average bundling discount is up to 40%.

Your independent insurance agent can help you get car and home insurance from the same company. They know which carriers near you have the best reputation and discounts.

Types of Insurance You Can Bundle with Your Car Policy

Auto insurance can be bundled with many different types of coverage, including the following:

Some combinations may offer higher discounts than others. Ask your carrier or independent insurance agent for more details about the exact discount percentage you can save by bundling your auto insurance with any other type of coverage.

Bundling car and renters insurance

The primary bundling combination for renters is, of course, renters insurance and auto insurance. While renters insurance is already highly affordable, averaging just $15 to $20 per month for many people, stacking a multi-policy discount can help make it even more affordable. Ask your independent insurance agent to help you bundle your auto and renters coverage to start saving.

Bundling car and condo insurance

If you're a condo owner, you can bundle your auto insurance with your condo policy. A condo insurance policy differs from homeowners insurance in that it covers the interior of your unit and your personal property. Condo policies pair well with auto policies for single-deductible benefits.

Pros and Cons of Bundling Car Insurance

You may be wondering, "Is it worth it to bundle home and auto insurance?" There are a few pros and cons of bundling to consider before you make your choice.

   

Pros:	Cons:
Discount savings	Not always the cheapest option
One simplified bill	May limit coverage options
Simplified policy renewals	Discount eliminated if one policy is canceled
Deductible benefit*

*Sometimes, insurers allow you to pay ‌‌one deductible if the same event damages both your car and your home, for example. However, this is not guaranteed and carrier-specific. Your independent insurance agent can further explain the pros and cons of bundling your coverage.

When Bundling May Not Be the Best Option

There are a couple of instances when it's not advisable to bundle home and car insurance, including when one carrier has great auto insurance rates but expensive home insurance rates. In other words, getting your coverage from two separate carriers would result in a lower overall cost. For example, Nationwide and Progressive's home and auto coverage bundle averages $3,224 per year, which is cheaper than Progressive's own bundle, which averages $3,380 annually.

How to Bundle Your Insurance Policies: Step by Step

There are five easy steps to bundle your insurance coverage:

1. Assess your coverage needs: Determine how much coverage you'll need for each item you're insuring, such as your home and vehicle. Your independent insurance agent can assist you with this.
2. Gather your home and auto details: Be prepared with specific details about your property that your insurer will need, such as your address, home age, vehicle make and model, driving history, etc.
3. Request bundled quotes from multiple carriers: It's typically recommended to compare quotes from at least three carriers to find the best bundled discount rate.
4. Compare bundled vs. separate policies: Sometimes buying separate policies is cheaper than bundling, so be sure to compare the separate policy premiums to the bundled rate.
5. Confirm your discount is applied: Your carrier may not automatically apply a bundling discount, so be sure to check your policy's declarations page to confirm it was applied.

Your independent insurance agent can also easily help you bundle any type of coverage you need through the same carrier or purchase separate policies from different carriers if the rate is cheaper.

How Bundle Savings Vary by State

Bundling discount savings vary by location due to local risk factors, such as crime rates and weather trends. For example, bundles in Texas average $4,289 per year, while California's bundles range from $2,274 to $3,287 per year, depending on the carrier you choose. Your independent insurance agent can help you find the best bundling discounts in your state.

Other Ways to Save on Car Insurance Beyond Bundling

There are several other discounts you can ask for to save more money on car insurance, including the following:

• Good student discounts
• Telematics discounts
• Low mileage discounts
• Pay-in-full discounts
• Multi-car discounts

Considering that auto insurance rates rose an average of 18% from January 2025 to January 2026, every discount matters. Ask your independent insurance agent about all the car insurance discounts you qualify for.

FAQs About Car Insurance Bundles

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How an Independent Insurance Agent Can Maximize Your Bundle Savings

Looking for the best bundling discount? Independent insurance agents work with multiple insurance companies, so they know where to find the discounts and which company offers the best coverage for your needs. These agents can shop and compare quotes, rates, and discounts from 10+ carriers simultaneously and can identify when purchasing two separate policies would be cheaper than bundling.

Your agent will also still be there for you if anything changes in the future. They can help you file car insurance claims or update your coverage when necessary.