Best and cheapest companies for home and auto bundles in Utah

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Utah insurers to help you find the carriers that offer the most affordable rates after bundling.

In Utah, 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%.

Nationwide provides the lowest bundled rate in Utah, with an average cost of $1,972 for combining your home and auto policies.

Key Takeaways

In Utah, 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 bundling

In 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 Utah

We 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 Utah.

State Farm

The average bundle discount at State Farm is $639, or 23%. Before the bundle discount is added, the average cost of home and auto insurance is $2,743. After getting a bundle discount, the cost drops to $2,104. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Nationwide

The average bundle discount at Nationwide is $307, or 14%. Without a bundle discount, customers pay $2,279 for coverage. After the bundle discount, customers pay $1,972 on average. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

Farmers Insurance

The average bundle discount at Farmers Insurance is $708, or 20%. Without the bundle discount, the average cost of coverage is $3,579. After the bundle discount, that cost goes down to $2,871. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and No. 8 in the Best Home Insurance Companies ranking.

Auto-Owners

Auto-Owners offers an average bundle discount of $437, which is about 14%. Without the discount, the combined cost of home and auto insurance is $3,171. After applying the discount, the total cost drops to $2,734.

American Family

The average bundle discount at American Family is $308, or 10%. Before getting a bundle discount, customers see average rates of $2,951 for coverage. With the bundle discount, customers see average rates of $2,643. American Family ranked at No. 9 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Compare home and auto bundles in Utah

The amount you can save on home and auto insurance with a bundle in Utah varies by company. Here is a breakdown of the rates and savings with top companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$2,104	47	87.4	A++	23%	80.49
Nationwide	$1,972	42	86.6	A	14%	66.5
Farmers Insurance	$2,871	43	82	A	20%	63.31
Auto-Owners	$2,734	49	81.2	A++	14%	60.07
American Family	$2,643	50	85	A	10%	54.16

What company offers the cheapest home and auto bundles in Utah?

State Farm offers the biggest percentage discount if you bundle. Nationwide offers the cheapest rate overall if you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Nationwide	$1,120	$1,159	$2,279	$1,972
State Farm	$1,088	$1,655	$2,743	$2,104
American Family	$1,028	$1,923	$2,951	$2,643
Auto-Owners	$1,516	$1,655	$3,171	$2,734
Farmers Insurance	$1,284	$2,295	$3,579	$2,871

Most and least expensive ZIP codes for home and auto insurance bundles in Utah

Where 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 Utah for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 84180 in Utah has the highest average cost for bundling home and auto insurance, at $2,717. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
84180	$2,717	16%
84133	$2,649	16%
84138	$2,635	16%
84119	$2,607	16%
84104	$2,601	16%
84132	$2,593	16%
84115	$2,591	16%
84120	$2,589	16%
84101	$2,588	16%
84128	$2,584	16%

Least expensive ZIP codes

The least expensive ZIP code in Utah for home and auto insurance bundling is 84737 at an average rate of $2,184. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
84737	$2,184	16%
84624	$2,237	17%
84631	$2,247	17%
84515	$2,248	17%
84501	$2,275	17%
84713	$2,276	17%
84513	$2,279	17%
84301	$2,328	16%
84001	$2,329	16%
84723	$2,329	16%

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in Utah?

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“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 Utah?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

Methodology

Insure.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

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

Arkansas$3,119/Year

California$2,866/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Idaho$1,993/Year

Illinois$2,678/Year

Indiana$2,437/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Mississippi$3,255/Year

Missouri$3,393/Year

Montana$3,188/Year

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Ohio$2,229/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Carolina$2,766/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Vermont$1,553/Year

Virginia$1,995/Year

Washington$1,762/Year

Washington, D.C.$2,506/Year

West Virginia$2,361/Year

Wisconsin$2,083/Year

Wyoming$2,619/Year

Chris Kissell

Contributing 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.

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in Utah
Compare home and auto bundles in Utah
What company offers the cheapest home and auto bundles in Utah?
Most and least expensive ZIP codes for home and auto insurance bundles in Utah
Frequently asked questions about home and auto bundle insurance
Methodology