Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Virginia Best and cheapest companies for home and auto bundles in Virginia State Farm has the biggest auto and home bundling discount in Virginia at an average of 24%, and also has the cheapest overall bundled rate at an average of $1,995 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 is a home and auto insurance expert, educator and content creation professional. She has nearly two decades of experience in the insurance industry, first as a customer service representative at Farmers Insurance and now as a researcher and writer for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. She also has written for insurance shopping sites such as ExpertInsuranceReviews.com and InsuranceHotline.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 Virginia insurers to help you find the carriers that offer the most affordable rates after bundling.In Virginia, 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 24%. State Farm provides the lowest bundled rate in Virginia, with an average cost of $1,995 for combining your home and auto policies. Key Takeaways In Virginia, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 24%.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 VirginiaWe 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 Virginia for home and auto bundling.State FarmState Farm offers a 24% bundle discount, which amounts to an average savings of $636. The combined cost of home and auto insurance before the discount is $2,631, and after the discount, it drops to $1,995.AllstateAllstate offers an average discount of $966 when you bundle your auto and home insurance, which is about 21%. Without the discount, the average cost is $4,631, but with the discount, the price drops to $3,665.Erie InsuranceBundling auto and home insurance with Erie Insurance can save an average of $445, or 14%. Without the discount, the coverage costs $3,222, but after the discount, it’s only $2,777.NationwideNationwide offers an average bundle discount of $484, which is about 18%. Without the discount, the combined cost of home and auto insurance is $2,751. After applying the discount, the total cost drops to $2,267.ProgressiveThe average bundle discount at Progressive is $397, or 11%. Before getting a bundle discount, customers see average rates of $3,489 for coverage. With the bundle discount, customers see average rates of $3,092. Progressive ranked at No. 8 in our Best Auto Insurance Companies ranking and No. 10 in the Best Home Insurance Companies ranking.Compare home and auto bundles in VirginiaBundling your home and auto insurance in Virginia can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$1,995 4787.4A++24%82.03Allstate$3,665 3985A+21%70.22Erie Insurance$2,777 7393.2A+14%70.11Nationwide$2,267 4286.6A18%69.75Progressive$3,092 4886.6A+11%60.09Travelers$5,619 4483.6A++11%52.82What company offers the cheapest home and auto bundles in Virginia?If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$1,415$1,216$2,631$1,995Virginia Farm Bureau$1,241$1,343$2,584$2,160Nationwide$1,565$1,186$2,751$2,267Erie Insurance$1,950$1,272$3,222$2,777Progressive$1,370$2,119$3,489$3,092Allstate$1,709$2,922$4,631$3,665Travelers$5,105$1,194$6,299$5,619Most and least expensive ZIP codes for home and auto insurance bundles in VirginiaThe 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 Virginia for bundling insurance.Most expensive ZIP codesThe most expensive ZIP code in Virginia for bundling home and auto insurance is 23459, with an average cost of $4,667. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference23459$4,66715%23461$4,54315%23457$4,41016%23451$4,24515%23511$4,03116%23454$3,98815%23521$3,93816%23460$3,92816%23453$3,92316%23503$3,91616%Least expensive ZIP codesThe least expensive ZIP code in Virginia for home and auto insurance bundling is 22803 at an average rate of $2,403. See the 10 least expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference22803$2,40317%22802$2,43017%22801$2,43917%22807$2,45717%24401$2,52917%22201$2,54217%22203$2,55516%22601$2,57617%24416$2,58417%24422$2,59317% Frequently asked questions about home and auto bundle insurance Is bundling home and auto insurance right for everyone in Virginia? 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 Virginia? 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. 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 VirginiaCheapest car insurance in VirginiaVirginia car insurance calculatorNon-owner auto insurance in Virginia: Which company has the cheapest rates?Cheapest SR-22 insurance in Virginia 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/YearVermont$1,553/YearWashington$1,762/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 VirginiaCompare home and auto bundles in VirginiaWhat company offers the cheapest home and auto bundles in Virginia?Most and least expensive ZIP codes for home and auto insurance bundles in VirginiaFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates