Best and cheapest companies for home and auto bundles in New York

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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 offers the biggest average discount of 19% 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 bundling

In 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 New York

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in New York.

State Farm

The average bundle discount at State Farm is $794, or 19%. Before the bundle discount is added, the average cost of home and auto insurance is $4,244. After getting a bundle discount, the cost drops to $3,450. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Allstate

The 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.

Travelers

The average bundle discount at Travelers is $715, or 12%. Without the bundle discount, the average cost of coverage is $6,102. After the bundle discount, that cost goes down to $5,387. 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 New York

Bundling your home and auto insurance in New York can help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$3,450	47	87.4	A++	19%	77.03
Allstate	$4,629	39	85	A+	18%	69.38
Travelers	$5,387	44	83.6	A++	12%	61.36

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What company offers the cheapest home and auto bundle in New York?

State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,309	$2,935	$4,244	$3,450
NYCM Insurance	$1,437	$3,927	$5,364	$4,121
Allstate	$1,904	$3,707	$5,611	$4,629
Travelers	$2,094	$4,008	$6,102	$5,387
Chubb Ltd	$2,398	$5,349	$7,747	$7,013

Most and least expensive ZIP codes for home and auto insurance bundles in New York

The 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 New York for bundling insurance.

Most expensive ZIP codes

The 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 code	Average auto and home after discount	Average difference
11212	$7,366	16%
11207	$7,363	16%
11213	$7,342	16%
11233	$7,340	16%
11225	$7,294	16%
11221	$7,251	16%
11216	$7,238	16%
11239	$7,208	16%
11235	$7,207	16%
11234	$7,206	16%

Least expensive ZIP codes

The most affordable ZIP code in New York for bundling home and auto insurance is 14845, with an average rate of $2,430. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
14845	$2,430	16%
14625	$2,458	16%
14623	$2,459	16%
14618	$2,467	16%
14612	$2,487	16%
14624	$2,493	16%
14616	$2,493	16%
14615	$2,500	16%
14626	$2,516	16%
13904	$2,532	16%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in New York?

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 New York?

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.

Methodology

Insure.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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Chris Kissell

Contributing 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. He is based in Denver.