Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Vermont Best and cheapest companies for home and auto bundles in Vermont State Farm has the biggest auto and home bundling discount in Vermont at an average of 26%, while Auto-Owners has the cheapest overall bundled rate at an average of $1,553 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. Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Vermont insurers to help you find the carriers that offer the most affordable rates after bundling.In Vermont, 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 26%. Auto-Owners provides the lowest bundled rate in Vermont, with an average cost of $1,553 for combining your home and auto policies. Key Takeaways In Vermont, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 26%.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 analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre and post bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.Our recommendation for the best home and auto bundles in VermontWe 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 Vermont.State FarmState Farm offers a 26% bundle discount, which amounts to an average savings of $532. The combined cost of home and auto insurance before the discount is $2,085, and after the discount, it drops to $1,553.AllstateAllstate offers an average discount of $686 when you bundle your auto and home insurance, which is about 22%. Without the discount, the average cost is $3,167, but with the discount, the price drops to $2,481.Auto-OwnersThe average bundle discount at Auto-Owners is $236, or 13%. Without the bundle discount, the average cost of coverage is $1,789. After the bundle discount, that cost goes down to $1,553. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and No. 3 in the Best Home Insurance Companies ranking.Compare home and auto bundles in VermontThe amount you can save on home and auto insurance with a bundle in Vermont 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$1,553 4787.4A++26%82.03Allstate$2,481 3985A+22%67.22Auto-Owners$1,553 4981.2A++13%66.87What company offers the cheapest home and auto bundle in Vermont?State Farm provides the largest discount on premiums for bundled insurance, while Auto-Owners offers the lowest overall rate when you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleAuto-Owners$742$1,047$1,789$1,553State Farm$1,237$848$2,085$1,553Union Mutual$992$917$1,909$1,596Vermont Mutual$693$1,547$2,240$1,797Allstate$790$2,377$3,167$2,481Co-operative Insurance$1,397$1,757$3,154$2,852Most and least expensive ZIP codes for home and auto insurance bundles in VermontWhere 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 Vermont for policyholders who bundle their coverage:Most expensive ZIP codesThe ZIP code 5464 in Vermont has the highest average cost for bundling home and auto insurance, at $2,038. See the top 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference5464$2,03818%5079$2,02418%5360$2,01718%5363$2,01118%5251$2,01118%5454$2,01018%5261$2,00918%5355$2,00318%5101$1,99618%5345$1,99518%Least expensive ZIP codesThe least expensive ZIP code in Vermont for bundling home and auto insurance is 5403, with an average cost of $1,888. Here are the 10 cheapest ZIP codes:ZIP codeAverage auto and home after discountAverage difference5403$1,88818%5641$1,89518%5602$1,91418%5408$1,91418%5401$1,91718%5478$1,93618%5405$1,94318%5843$1,95318%5821$1,95418%5491$1,96018% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Vermont? 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 Vermont? 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 VermontCheapest car insurance in VermontVermont car insurance calculatorNon-owner car insurance in Vermont: Which company has the cheapest rates?Cheapest SR-22 insurance in Vermont 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/YearUtah$1,972/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 VermontCompare home and auto bundles in VermontWhat company offers the cheapest home and auto bundle in Vermont?Most and least expensive ZIP codes for home and auto insurance bundles in VermontFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates