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 Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: April 23, 2025 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 shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Arizona to identify which ones provide significant savings when combining multiple coverage types.State Farm provides the highest percentage discount on home and auto insurance premiums in Arizona when you bundle your policies. By choosing this insurer, you can save an average of 25% on your home and auto bundle. On the other hand, State Farm provides the lowest overall rate for bundling in Arizona. When you bundle your policies, you can expect to pay an average of $2,478. 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 assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Arizona for home and auto bundling.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 discount of $1,152 when you bundle your auto and home insurance, which is about 22%. Without the discount, the average cost is $5,332, but with the discount, the price drops to $4,180.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.AllstateThe average bundle discount at Allstate is $490, which is a 11% savings. The cost of home and auto insurance before the discount is $4,453, but it lowers to $3,963 after applying the discount.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 most expensive ZIP code in Arizona for home and auto insurance bundling is 85065 at an average rate of $5,315. See the 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 home and auto insurance bundling is 86409 at an average rate of $3,070. See the 10 least expensive ZIP codes below.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 home and auto bundle insurance Is bundling home and auto insurance right for everyone in Arizona? Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.Rather than simply assuming that a bundle is your best deal, it always pays to shop around.“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 bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated. 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/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing Researcher | . .Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. 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Autonomous cars: 5 delightful and 5 distressing things Busted! 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 home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates