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 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. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: August 18, 2025 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 you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Rhode Island to determine which will give you the biggest price break when you purchase multiple types of coverage.State Farm offers the biggest percentage break on your home and auto premiums in Rhode Island when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 23%. Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Rhode Island. On average, you will pay $1,739 when you bundle. Key Takeaways In Rhode Island, State Farm offers the biggest average discount of 23% 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 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 Rhode IslandWe 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 Rhode Island for home and auto bundling.State FarmState Farm offers a 23% bundle discount, which amounts to an average savings of $507. The combined cost of home and auto insurance before the discount is $2,246, and after the discount, it drops to $1,739.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 IslandThe amount you can save on home and auto insurance with a bundle in Rhode Island 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$1,739 4787.4A++23%82.03Allstate$3,960 3985A+22%68.29Nationwide$3,476 4286.6A15%54.38Powered by:What company offers the cheapest home and auto bundles in Rhode Island?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$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$4,445Powered by:Most and least expensive ZIP codes for home and auto insurance bundles in Rhode IslandWhere 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 Rhode Island for policyholders who bundle their coverage: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%Powered by:Least expensive ZIP codesThe least expensive ZIP code in Rhode Island for bundling home and auto insurance is 2875, with an average cost of $3,073. Here are the 10 cheapest ZIP codes: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%Powered by: Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Rhode Island? 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 Rhode Island? 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. Chris KissellContributing 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.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 more You might find interesting Average car insurance cost in Rhode IslandCheapest car insurance in Rhode IslandCheapest SR-22 insurance in Rhode IslandDo you need insurance to register a car in Rhode Island?How much is gap insurance in Rhode IslandNon-owner auto insurance in Rhode Island: Which company has the cheapest rates?Rhode Island car insurance calculatorThe best, cheapest car insurance in Rhode Island In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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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 Rhode IslandCompare home and auto bundles in Rhode IslandWhat company offers the cheapest home and auto bundles 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 (844) 645-3330