Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in North Carolina Best and cheapest companies for home and auto bundles in North Carolina Nationwide has the biggest auto and home bundling discount in North Carolina at an average of 34%, while State Farm has the cheapest overall bundled rate at an average of $1,823 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 North Carolina to identify which ones provide significant savings when combining multiple coverage types.Nationwide provides the highest percentage discount on home and auto insurance premiums in North Carolina when you bundle your policies. By choosing this insurer, you can save an average of 34% on your home and auto bundle. On the other hand, State Farm provides the lowest overall rate for bundling in North Carolina. When you bundle your policies, you can expect to pay an average of $1,823. Key Takeaways In North Carolina, Nationwide is the best home and auto bundle insurance provider, offering an average discount of 34%.Some companies offer bigger savings for bundling than others, so it pays to shop around.Where you live within the state will impact how much you can save by bundling.Bundling usually makes sense, but there are situations where this might not be the case. 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 North CarolinaInsure.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 North Carolina.NationwideThe average bundle discount at Nationwide is $1,476, or 34%. Before the bundle discount is added, the average cost of home and auto insurance is $4,407. After getting a bundle discount, the cost drops to $2,931. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.State FarmState Farm offers an average bundle discount of $531, or 23%. Before the bundle discount, you’ll pay an average of $2,354, which will decrease to $1,823 after the discount is applied.Erie InsuranceThe average bundle discount at Erie Insurance is $987, or 19%. Without the bundle discount, the average cost of coverage is $5,193. After the bundle discount, that cost goes down to $4,206. Erie Insurance ranked at No. 1 in our Best Auto Insurance Companies ranking and No. 1 in the Best Home Insurance Companies ranking.Compare home and auto bundles in North CarolinaThe amount you can save on home and auto insurance with a bundle in North Carolina 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 RatingNationwide$2,931 4286.6A34%73.74State Farm$1,823 4787.4A++23%69.2Erie Insurance$4,206 7393.2A+19%57.84What company offers the cheapest home and auto bundles in North Carolina?If you bundle your policies, Nationwide gives you the highest discount. State Farm has the lowest overall rate for bundling.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$980$1,374$2,354$1,823Nationwide$3,133$1,274$4,407$2,931Erie Insurance$4,055$1,138$5,193$4,206Most and least expensive ZIP codes for home and auto insurance bundles in North CarolinaWhere you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in North Carolina for policyholders who bundle their coverage:Most expensive ZIP codesThe most expensive ZIP code in North Carolina for bundling home and auto insurance is 28511, with an average cost of $20,018. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference28511$20,01826%27948$14,03525%28547$8,90228%28546$8,86928%28540$8,86828%28462$8,55130%28314$3,39826%28310$3,39126%28304$3,38826%28303$3,37326%Least expensive ZIP codesThe most affordable ZIP code in North Carolina for bundling home and auto insurance is 28704, with an average rate of $1,961. Below are the 10 least expensive ZIP codes.ZIP codeAverage auto and home after discountAverage difference28704$1,96123%28752$2,10223%28623$2,12023%27409$2,14624%27455$2,14824%27410$2,14924%27408$2,15724%27012$2,15824%27103$2,15824%27009$2,16924% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in North Carolina? 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 North Carolina? 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. You might find interesting The best, cheapest car insurance in North CarolinaCheapest car insurance in North CarolinaNorth Carolina car insurance calculatorNon-owner auto insurance in North Carolina: Which company has the cheapest rates? 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/YearNew York$3,450/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 North CarolinaCompare home and auto bundles in North CarolinaWhat company offers the cheapest home and auto bundles in North Carolina?Most and least expensive ZIP codes for home and auto insurance bundles in North CarolinaFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates