Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in California Best and cheapest companies for home and auto bundles in California State Farm has the biggest auto and home bundling discount in California at an average of 21%, while Travelers has the cheapest overall bundled rate at an average of $2,866 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 California 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 California when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 21%. Meanwhile, Travelers offers the cheapest overall rate when you bundle with the company in California. On average, you will pay $2,866 when you bundle. Key Takeaways In California, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 21%.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 analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre- and post-bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.Our recommendation for the best home and auto bundles in CaliforniaWe 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 California.State FarmState Farm offers a 21% bundle discount, which amounts to an average savings of $807. The combined cost of home and auto insurance before the discount is $3,815, and after the discount, it drops to $3,008.NationwideNationwide offers an average bundle discount of $911, or 23%. Before the bundle discount, you’ll pay an average of $4,017, which will decrease to $3,106 after the discount is applied.TravelersThe average bundle discount at Travelers is $620, or 18%. Without the bundle discount, the average cost of coverage is $3,486. After the bundle discount, that cost goes down to $2,866. Travelers ranked at No. 3 in our Best Auto Insurance Companies ranking and No. 9 in the Best Home Insurance Companies ranking.Farmers InsuranceThe average bundle discount at Farmers Insurance is $887, which is a 17% savings. The cost of home and auto insurance before the discount is $5,103, but it lowers to $4,216 after applying the discount.AllstateThe average bundle discount at Allstate is $130, or 4%. Before getting a bundle discount, customers see average rates of $3,506 for coverage. With the bundle discount, customers see average rates of $3,376. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.Compare home and auto bundles in CaliforniaThe amount you can save on home and auto insurance with a bundle in California varies by company. Here is a breakdown of the rates and savings with top companies.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$3,008 4787.4A++21%79.08Nationwide$3,106 4286.6A23%76.75Travelers$2,866 4483.6A++18%76.21Farmers Insurance$4,216 4382A17%61.82Allstate$3,376 3985A+4%57.63What company offers the cheapest home and auto bundles in California?If you bundle your policies, State Farm gives you the highest discount. Travelers has the lowest overall rate for bundling.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleTravelers$933$2,553$3,486$2,866Mercury Insurance$1,225$2,084$3,309$2,933State Farm$1,213$2,602$3,815$3,008Nationwide$1,353$2,664$4,017$3,106Auto Club Enterprises (AAA)$1,232$2,628$3,860$3,164Allstate$783$2,723$3,506$3,376CSAA Insurance (AAA)$1,039$2,997$4,036$3,660Farmers Insurance$1,677$3,426$5,103$4,216Most and least expensive ZIP codes for home and auto insurance bundles in CaliforniaThe 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 California for bundling insurance.Most expensive ZIP codesThe most expensive ZIP code in California for bundling home and auto insurance is 94621, with an average cost of $4,090. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference94621$4,09015%94141$4,08415%90002$4,05515%90001$3,97315%94601$3,95115%94617$3,94415%92697$3,91515%94124$3,89415%94603$3,83615%94607$3,80215%Least expensive ZIP codesThe least expensive ZIP code in California for home and auto insurance bundling is 95124 at an average rate of $2,809. See the 10 least expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference95124$2,80915%95014$2,81015%95130$2,81215%95008$2,82715%95129$2,83815%93230$2,88015%95032$2,88015%93202$2,88015%95118$2,88615%95120$2,89515% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in California? 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 California? 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 CaliforniaCheapest car insurance in CaliforniaCalifornia car insurance calculatorNon-owner car insurance in California: Which company has the cheapest rates?Cheapest SR-22 insurance in California How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/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. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Used car insurance costs: Most and least expensive models to insure The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? 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 CaliforniaCompare home and auto bundles in CaliforniaWhat company offers the cheapest home and auto bundles in California?Most and least expensive ZIP codes for home and auto insurance bundles in CaliforniaFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates