Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Arizona Best and cheapest companies for home and auto bundles in Arizona State Farm has the biggest auto and home bundling discount in Arizona at an average of 25%, and has the cheapest overall bundled rate at an average of $2,478 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 Arizona 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 Arizona when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 25%. Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Arizona. On average, you will pay $2,478 when you bundle. Key Takeaways In Arizona, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 25%.Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.Bundling is usually a smart move, but sometimes it might not be the best option. How we picked the best companies for home and auto bundlingIn 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre- and post-bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.Our recommendation for the best home and auto bundles in ArizonaWe 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 Arizona.State FarmState Farm offers an average bundle discount of $820, which is a 25% savings on your premiums. Before the discount, the combined home and auto insurance cost is $3,298, and after applying the bundle discount, the total cost drops to $2,478.Farmers InsuranceFarmers Insurance offers an average bundle discount of $1,152, or 22%. Before the bundle discount, you’ll pay an average of $5,332, which will decrease to $4,180 after the discount is applied.NationwideThe average bundle discount at Nationwide is $530, or 13%. Without the bundle discount, the average cost of coverage is $4,238. After the bundle discount, that cost goes down to $3,708. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.AllstateAllstate offers an average bundle discount of $490, which is about 11%. Without the discount, the combined cost of home and auto insurance is $4,453. After applying the discount, the total cost drops to $3,963.TravelersThe average bundle discount at Travelers is $660, or 10%. Before getting a bundle discount, customers see average rates of $6,774 for coverage. With the bundle discount, customers see average rates of $6,114. Travelers ranked at No. 3 in our Best Auto Insurance Companies ranking and No. 9 in the Best Home Insurance Companies ranking.Compare home and auto bundles in ArizonaBundling your home and auto insurance in Arizona 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$2,478 4787.4A++25%82.03Farmers Insurance$4,180 4382A22%69.43Nationwide$3,708 4286.6A13%61.07Allstate$3,963 3985A+11%58.48Travelers$6,114 4483.6A++10%52.82What company offers the cheapest home and auto bundle in Arizona?State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$1,439$1,859$3,298$2,478Nationwide$1,843$2,395$4,238$3,708Allstate$1,625$2,828$4,453$3,963Farmers Insurance$2,693$2,639$5,332$4,180Travelers$5,181$1,593$6,774$6,114Most and least expensive ZIP codes for home and auto insurance bundles in ArizonaThe ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Arizona for bundling insurance.Most expensive ZIP codesThe ZIP code 85065 in Arizona has the highest average cost for bundling home and auto insurance, at $5,315. See the top 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference85065$5,31516%85025$5,27116%85026$5,26916%85073$5,25917%85039$5,16716%85097$5,07616%85021$5,04916%85017$5,03016%85013$5,02616%85019$5,01416%Least expensive ZIP codesThe least expensive ZIP code in Arizona for bundling home and auto insurance is 86409, with an average cost of $3,070. Here are the 10 cheapest ZIP codes:ZIP codeAverage auto and home after discountAverage difference86409$3,07016%86401$3,13416%86442$3,28416%85356$3,29116%85365$3,30916%86314$3,31216%86429$3,31316%85607$3,32116%85344$3,32616%86441$3,33217% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Arizona? Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.It’s also possible that a company has the right coverage for one type of insurance but not for the other.Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.“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 Arizona? Switching to a bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered. 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 ArizonaCheapest car insurance in ArizonaArizona car insurance calculatorNon-owner car insurance in Arizona: Which company has the cheapest rates?Cheapest SR-22 insurance in Arizona How much is home and auto bundle insurance in other statesAlabama$2,543/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 ArizonaCompare home and auto bundles in ArizonaWhat company offers the cheapest home and auto bundle in Arizona?Most and least expensive ZIP codes for home and auto insurance bundles in ArizonaFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates