Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Rhode Island Best and cheapest companies for home and auto bundles in Rhode Island State Farm has the biggest auto and home bundling discount in Rhode Island at an average of 23%, and also has the cheapest overall bundled rate at an average of $1,739 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. Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Rhode Island insurers to help you find the carriers that offer the most affordable rates after bundling.In Rhode Island, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 23%. State Farm provides the lowest bundled rate in Rhode Island, with an average cost of $1,739 for combining your home and auto policies. Key Takeaways In Rhode Island, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 23%.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 bundlingInsure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.Our recommendation for the best home and auto bundles in Rhode IslandInsure.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 Rhode Island.State FarmThe average bundle discount at State Farm is $507, or 23%. Before the bundle discount is added, the average cost of home and auto insurance is $2,246. After getting a bundle discount, the cost drops to $1,739. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.AllstateThe average bundle discount at Allstate is $1,116, or 22%. Without a bundle discount, customers pay $5,076 for coverage. After the bundle discount, customers pay $3,960 on average. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.NationwideThe average bundle discount at Nationwide is $603, or 15%. Without the bundle discount, the average cost of coverage is $4,079. After the bundle discount, that cost goes down to $3,476. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.Compare home and auto bundles in Rhode IslandBundling your home and auto insurance in Rhode Island 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$1,739 4787.4A++23%82.03Allstate$3,960 3985A+22%68.29Nationwide$3,476 4286.6A15%54.38What company offers the cheapest home and auto bundle in Rhode Island?State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$931$1,315$2,246$1,739Nationwide$1,978$2,101$4,079$3,476Allstate$1,527$3,549$5,076$3,960Amica Mutual$2,268$3,059$5,327$4,445Most and least expensive ZIP codes for home and auto insurance bundles in Rhode IslandThe 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 Rhode Island for bundling insurance.Most expensive ZIP codesThe most expensive ZIP code in Rhode Island for bundling home and auto insurance is 2909, with an average cost of $4,727. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference2909$4,72717%2907$4,69717%2908$4,60517%2903$4,55917%2912$4,45717%2905$4,42517%2906$4,40617%2904$4,37217%2918$4,27117%2863$4,02717%Least expensive ZIP codesThe least expensive ZIP code in Rhode Island for home and auto insurance bundling is 2875 at an average rate of $3,073. See the 10 least expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference2875$3,07318%2809$3,19118%2842$3,22018%2822$3,24218%2878$3,26418%2808$3,29218%2841$3,30218%2806$3,33718%2840$3,34218%2885$3,35818% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Rhode Island? 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 Rhode Island? 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 Rhode IslandCheapest car insurance in Rhode IslandRhode Island car insurance calculatorNon-owner auto insurance in Rhode Island: Which company has the cheapest rates?Cheapest SR-22 insurance in Rhode Island 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/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/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 Rhode IslandCompare home and auto bundles in Rhode IslandWhat company offers the cheapest home and auto bundle in Rhode Island?Most and least expensive ZIP codes for home and auto insurance bundles in Rhode IslandFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates