Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Alabama Best and cheapest companies for home and auto bundles in Alabama State Farm has the biggest auto and home bundling discount in Alabama at an average of 27%, while Allstate has the cheapest overall bundled rate at an average of $2,543 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. | Updated on: December 26, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Alabama to determine which will give you the biggest price break when you purchase multiple types of coverage.State Farm offers the biggest percentage break on your home and auto premiums in Alabama when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 27%. Meanwhile, Allstate offers the cheapest overall rate when you bundle with the company in Alabama. On average, you will pay $2,543 when you bundle. Key Takeaways In Alabama, State Farm offers the biggest average discount of 27% on home and auto insurance bundles.Different companies offer varying discounts for bundling, so it’s worth shopping around.Where you live in the state can affect how much you save by bundling.Bundling is generally a good idea, but in a few situations, it might not save you money. How we picked the best companies for home and auto bundlingInsure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.Our recommendation for the best home and auto bundles in AlabamaWe ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Alabama.State FarmState Farm offers an average bundle discount of $1,245, which is a 27% savings on your premiums. Before the discount, the combined home and auto insurance cost is $4,573, and after applying the bundle discount, the total cost drops to $3,328.AllstateThe average bundle discount at Allstate is $492, or 16%. Without a bundle discount, customers pay $3,035 for coverage. After the bundle discount, customers pay $2,543 on average. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.NationwideBundling auto and home insurance with Nationwide can save an average of $1,020, or 19%. Without the discount, the coverage costs $5,263, but after the discount, it’s only $4,243.Farmers InsuranceFarmers Insurance offers an average bundle discount of $815, which is about 17%. Without the discount, the combined cost of home and auto insurance is $4,668. After applying the discount, the total cost drops to $3,853.Auto-OwnersThe average bundle discount at Auto-Owners is $619, or 12%. Before getting a bundle discount, customers see average rates of $5,100 for coverage. With the bundle discount, customers see average rates of $4,481. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and No. 3 in the Best Home Insurance Companies ranking.Compare home and auto bundles in AlabamaBundling your home and auto insurance in Alabama can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$3,328 4787.4A++27%77.78Allstate$2,543 3985A+16%66.27Nationwide$4,243 4286.6A19%60.08Farmers Insurance$3,853 4382A17%59.09Auto-Owners$4,481 4981.2A++12%53.09What company offers the cheapest home and auto bundle in Alabama?State Farm provides the largest discount on premiums for bundled insurance, while Allstate offers the lowest overall rate when you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleAllstate$1,151$1,884$3,035$2,543State Farm$2,786$1,787$4,573$3,328Farmers Insurance$2,360$2,308$4,668$3,853Nationwide$4,096$1,167$5,263$4,243Country Financial$3,764$1,660$5,424$4,275Auto-Owners$2,934$2,166$5,100$4,481Most and least expensive ZIP codes for home and auto insurance bundles in AlabamaYour ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Alabama.Most expensive ZIP codesThe most expensive ZIP code in Alabama for bundling home and auto insurance is 36527, with an average cost of $4,548. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference36527$4,54819%36526$4,37319%36507$4,34919%36567$4,29319%35208$4,23119%35218$4,21319%36615$4,20419%36602$4,18319%36605$4,17819%36582$4,17719%Least expensive ZIP codesThe least expensive ZIP code in Alabama for bundling home and auto insurance is 36345, with an average cost of $3,365. Here are the 10 cheapest ZIP codes:ZIP codeAverage auto and home after discountAverage difference36345$3,36519%36352$3,39119%36303$3,39819%35242$3,40019%36305$3,40419%36301$3,40919%35007$3,41419%36093$3,43719%36312$3,44219%36376$3,44719% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Alabama? Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.Remember when buying insurance that you’re doing so to protect your most valuable assets, says Christine O’Brien, president of the Insurance Council of New Jersey. Take the time to learn about policy limits and coverages and get several quotes. How can you switch to a home and auto bundle in Alabama? Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage. MethodologyInsure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate. You might find interesting The best, cheapest car insurance in AlabamaCheapest car insurance in AlabamaAlabama car insurance calculatorNon-owner auto insurance in Alabama: Which company has the cheapest rates?Cheapest SR-22 insurance in Alabama How much is home and auto bundle insurance in other statesArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing Researcher . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in AlabamaCompare home and auto bundles in AlabamaWhat company offers the cheapest home and auto bundle in Alabama?Most and least expensive ZIP codes for home and auto insurance bundles in AlabamaFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates