Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Tennessee Best and cheapest companies for home and auto bundles in Tennessee State Farm has the biggest auto and home bundling discount in Tennessee at an average of 28%, and also has the cheapest overall bundled rate at an average of $2,843 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 Tennessee insurers to help you find the carriers that offer the most affordable rates after bundling.In Tennessee, 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 28%. State Farm provides the lowest bundled rate in Tennessee, with an average cost of $2,843 for combining your home and auto policies. Key Takeaways In Tennessee, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 28%.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 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 TennesseeWe 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 Tennessee for home and auto bundling.State FarmThe average bundle discount at State Farm is $1,126, or 28%. Before the bundle discount is added, the average cost of home and auto insurance is $3,969. After getting a bundle discount, the cost drops to $2,843. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.Erie InsuranceErie Insurance offers an average bundle discount of $853, or 18%. Before the bundle discount, you’ll pay an average of $4,761, which will decrease to $3,908 after the discount is applied.Auto-OwnersAuto-Owners offers an average discount of $468 when you bundle your auto and home insurance, which is about 13%. Without the discount, the average cost is $3,691, but with the discount, it drops to $3,223.AllstateAllstate offers an average bundle discount of $727, which is about 16%. Without the discount, the combined cost of home and auto insurance is $4,423. After applying the discount, the total cost drops to $3,696.Farmers InsuranceFarmers Insurance offers an average bundle discount of $743, or 15%. The average rate for coverage before the discount is $5,014, and with the discount, it’s reduced to $4,271.Compare home and auto bundles in TennesseeBundling your home and auto insurance in Tennessee 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$2,843 4787.4A++28%82.03Erie Insurance$3,908 7393.2A+18%74.61Auto-Owners$3,223 4981.2A++13%67.08Allstate$3,696 3985A+16%66.61Farmers Insurance$4,271 4382A15%63.15Travelers$7,355 4483.6A++10%54.57What company offers the cheapest home and auto bundles in Tennessee?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$2,772$1,197$3,969$2,843Auto-Owners$2,134$1,557$3,691$3,223Tennessee Farmers$2,315$1,530$3,845$3,535Allstate$1,660$2,763$4,423$3,696Erie Insurance$3,031$1,730$4,761$3,908Farmers Insurance$3,391$1,623$5,014$4,271Travelers$6,630$1,520$8,150$7,355Most and least expensive ZIP codes for home and auto insurance bundles in TennesseeYour ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Tennessee.Most expensive ZIP codesThe most expensive ZIP code in Tennessee for bundling home and auto insurance is 38127, with an average cost of $5,524. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference38127$5,52416%38128$5,38716%38109$5,35816%38116$5,33416%38114$5,33216%38106$5,33216%38108$5,27216%38107$5,22616%38118$5,20116%38163$5,15916%Least expensive ZIP codesThe most affordable ZIP code in Tennessee for bundling home and auto insurance is 37664, with an average rate of $3,122. Below are the 10 least expensive ZIP codes.ZIP codeAverage auto and home after discountAverage difference37664$3,12216%37660$3,15915%37663$3,19116%37665$3,19716%37996$3,41615%37916$3,42016%37902$3,44016%37920$3,44615%37918$3,44715%37932$3,45215% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Tennessee? 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 Tennessee? 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 TennesseeCheapest car insurance in TennesseeTennessee car insurance calculatorNon-owner auto insurance in Tennessee: Which company has the cheapest rates?Cheapest SR-22 insurance in Tennessee 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/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/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 TennesseeCompare home and auto bundles in TennesseeWhat company offers the cheapest home and auto bundles in Tennessee?Most and least expensive ZIP codes for home and auto insurance bundles in TennesseeFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates