Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in New York Best and cheapest companies for home and auto bundles in New York State Farm has the biggest auto and home bundling discount in New York at an average of 19%, and also has the cheapest overall bundled rate at an average of $3,450 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 is a home and auto insurance expert, educator and content creation professional. She has nearly two decades of experience in the insurance industry, first as a customer service representative at Farmers Insurance and now as a researcher and writer for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. She also has written for insurance shopping sites such as ExpertInsuranceReviews.com and InsuranceHotline.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 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 New York 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 New York when you bundle your policies. By choosing this insurer, you can save an average of 19% on your home and auto bundle. On the other hand, State Farm provides the lowest overall rate for bundling in New York. When you bundle your policies, you can expect to pay an average of $3,450. Key Takeaways In New York, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 19%.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 New YorkWe 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 New York for home and auto bundling.State FarmState Farm offers a 19% bundle discount, which amounts to an average savings of $794. The combined cost of home and auto insurance before the discount is $4,244, and after the discount, it drops to $3,450.AllstateThe average bundle discount at Allstate is $982, or 18%. Without a bundle discount, customers pay $5,611 for coverage. After the bundle discount, customers pay $4,629 on average. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.TravelersBundling auto and home insurance with Travelers can save an average of $715, or 12%. Without the discount, the coverage costs $6,102, but after the discount, it’s only $5,387.Compare home and auto bundles in New YorkThe amount you can save on home and auto insurance with a bundle in New York 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$3,450 4787.4A++19%77.03Allstate$4,629 3985A+18%69.38Travelers$5,387 4483.6A++12%61.36What company offers the cheapest home and auto bundles in New York?State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$1,309$2,935$4,244$3,450NYCM Insurance$1,437$3,927$5,364$4,121Allstate$1,904$3,707$5,611$4,629Travelers$2,094$4,008$6,102$5,387Chubb Ltd$2,398$5,349$7,747$7,013Most and least expensive ZIP codes for home and auto insurance bundles in New YorkYour 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 New York.Most expensive ZIP codesThe ZIP code 11212 in New York has the highest average cost for bundling home and auto insurance, at $7,366. See the top 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference11212$7,36616%11207$7,36316%11213$7,34216%11233$7,34016%11225$7,29416%11221$7,25116%11216$7,23816%11239$7,20816%11235$7,20716%11234$7,20616%Least expensive ZIP codesThe least expensive ZIP code in New York for bundling home and auto insurance is 14845, with an average cost of $2,430. Here are the 10 cheapest ZIP codes:ZIP codeAverage auto and home after discountAverage difference14845$2,43016%14625$2,45816%14623$2,45916%14618$2,46716%14612$2,48716%14624$2,49316%14616$2,49316%14615$2,50016%14626$2,51616%13904$2,53216% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in New York? 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 New York? 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. 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How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$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/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 . .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 New YorkCompare home and auto bundles in New YorkWhat company offers the cheapest home and auto bundles in New York?Most and least expensive ZIP codes for home and auto insurance bundles in New YorkFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates