Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Ohio Best and cheapest companies for home and auto bundles in Ohio State Farm has the biggest auto and home bundling discount in Ohio at an average of 26%, and also has the cheapest overall bundled rate at an average of $2,229 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 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 Ohio 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 Ohio when you bundle your policies. By choosing this insurer, you can save an average of 26% on your home and auto bundle. On the other hand, State Farm provides the lowest overall rate for bundling in Ohio. When you bundle your policies, you can expect to pay an average of $2,229. Key Takeaways In Ohio, State Farm is the best home and auto bundle insurance provider, offering an average discount of 26%.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 OhioWe 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 Ohio.State FarmThe average bundle discount at State Farm is $771, or 26%. Before the bundle discount is added, the average cost of home and auto insurance is $3,000. After getting a bundle discount, the cost drops to $2,229. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.NationwideNationwide offers an average bundle discount of $522, or 18%. Before the bundle discount, you’ll pay an average of $2,883, which will decrease to $2,361 after the discount is applied.AllstateBundling auto and home insurance with Allstate can save an average of $707, or 19%. Without the discount, the coverage costs $3,669, but after the discount, it’s only $2,962.American FamilyAmerican Family offers an average bundle discount of $428, which is about 16%. Without the discount, the combined cost of home and auto insurance is $2,724. After applying the discount, the total cost drops to $2,296.Auto-OwnersAuto-Owners provides an average bundle discount of $381, or 13%. Before the discount, the average cost for coverage is $2,949. After applying the discount, the cost comes down to $2,568.Compare home and auto bundles in OhioBundling your home and auto insurance in Ohio 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$2,229 4787.4A++26%82.03Nationwide$2,361 4286.6A18%71.9Allstate$2,962 3985A+19%71.53American Family$2,296 5085A16%71.36Auto-Owners$2,568 4981.2A++13%69.82Farmers Insurance$3,106 4382A16%67.5Erie Insurance$2,933 7393.2A+4%66.42Travelers$6,069 4483.6A++11%58.39What company offers the cheapest home and auto bundles in Ohio?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$1,905$1,095$3,000$2,229American Family$1,584$1,140$2,724$2,296Nationwide$1,877$1,006$2,883$2,361Grange Mutual$2,003$861$2,864$2,517Auto-Owners$1,652$1,297$2,949$2,568Erie Insurance$1,875$1,188$3,063$2,933Allstate$1,313$2,356$3,669$2,962Farmers Insurance$2,172$1,536$3,708$3,106Travelers$5,712$1,070$6,782$6,069Most and least expensive ZIP codes for home and auto insurance bundles in OhioThe 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 Ohio for bundling insurance.Most expensive ZIP codesThe most expensive ZIP code in Ohio for bundling home and auto insurance is 43601, with an average cost of $3,812. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference43601$3,81214%45423$3,68214%45234$3,65114%45221$3,64414%45479$3,62014%45235$3,60714%45435$3,59114%44101$3,56015%45267$3,55214%45629$3,38116%Least expensive ZIP codesThe most affordable ZIP code in Ohio for bundling home and auto insurance is 44663, with an average rate of $2,564. Below are the 10 least expensive ZIP codes.ZIP codeAverage auto and home after discountAverage difference44663$2,56415%43016$2,67215%44883$2,69615%44870$2,69615%43017$2,69615%44035$2,69915%43065$2,70615%43082$2,71415%43081$2,72215%45245$2,74715% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Ohio? 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 Ohio? 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 OhioCheapest car insurance in OhioOhio car insurance calculatorNon-owner car insurance in Ohio: Which company has the cheapest rates?Cheapest SR-22 insurance in Ohio 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 Carolina$1,823/YearNorth Dakota$3,244/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. 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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 OhioCompare home and auto bundles in OhioWhat company offers the cheapest home and auto bundles in Ohio?Most and least expensive ZIP codes for home and auto insurance bundles in OhioFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates