Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Utah Best and cheapest companies for home and auto bundles in Utah State Farm has the biggest auto and home bundling discount in Utah at an average of 23%, while Nationwide has the cheapest overall bundled rate at an average of $1,972 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: April 23, 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 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 Utah 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 Utah when you bundle your policies. By choosing this insurer, you can save an average of 23% on your home and auto bundle. On the other hand, Nationwide provides the lowest overall rate for bundling in Utah. When you bundle your policies, you can expect to pay an average of $1,972. Key Takeaways In Utah, 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 UtahInsure.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 Utah.State FarmState Farm offers a 23% bundle discount, which amounts to an average savings of $639. The combined cost of home and auto insurance before the discount is $2,743, and after the discount, it drops to $2,104.NationwideThe 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 InsuranceThe 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-OwnersAuto-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 FamilyAmerican Family offers an average bundle discount of $308, or 10%. The average rate for coverage before the discount is $2,951, and with the discount, it’s reduced to $2,643.Compare home and auto bundles in UtahBundling your home and auto insurance in Utah 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$2,104 4787.4A++23%80.49Nationwide$1,972 4286.6A14%66.5Farmers Insurance$2,871 4382A20%63.31Auto-Owners$2,734 4981.2A++14%60.07American Family$2,643 5085A10%54.16What company offers the cheapest home and auto bundle in Utah?State Farm provides the largest discount on premiums for bundled insurance, while Nationwide offers the lowest overall rate when you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleNationwide$1,120$1,159$2,279$1,972State Farm$1,088$1,655$2,743$2,104American Family$1,028$1,923$2,951$2,643Auto-Owners$1,516$1,655$3,171$2,734Farmers Insurance$1,284$2,295$3,579$2,871Most and least expensive ZIP codes for home and auto insurance bundles in UtahThe 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 Utah for bundling insurance.Most expensive ZIP codesThe most expensive ZIP code in Utah for bundling home and auto insurance is 84180, with an average cost of $2,717. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference84180$2,71716%84133$2,64916%84138$2,63516%84119$2,60716%84104$2,60116%84132$2,59316%84115$2,59116%84120$2,58916%84101$2,58816%84128$2,58416%Least expensive ZIP codesThe most affordable ZIP code in Utah for bundling home and auto insurance is 84737, with an average rate of $2,184. Below are the 10 least expensive ZIP codes.ZIP codeAverage auto and home after discountAverage difference84737$2,18416%84624$2,23717%84631$2,24717%84515$2,24817%84501$2,27517%84713$2,27617%84513$2,27917%84301$2,32816%84001$2,32916%84723$2,32916% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Utah? 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 Utah? 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 UtahCheapest car insurance in UtahUtah car insurance calculatorNon-owner car insurance in Utah: Which company has the cheapest rates?Cheapest SR-22 insurance in Utah 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/YearTennessee$2,843/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris 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. 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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 UtahCompare home and auto bundles in UtahWhat company offers the cheapest home and auto bundle in Utah?Most and least expensive ZIP codes for home and auto insurance bundles in UtahFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates