Best and cheapest companies for home and auto bundles in Washington

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 you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Washington to determine which will give you the biggest price break when you purchase multiple types of coverage.

State Farm offers the biggest percentage break on your home and auto premiums in Washington when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 22%.

Meanwhile, PEMCO offers the cheapest overall rate when you bundle with the company in Washington. On average, you will pay $1,762 when you bundle.

Key Takeaways

In Washington, State Farm offers the biggest average discount of 22% 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 Washington

We 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 Washington for home and auto bundling.

State Farm

State Farm offers an average bundle discount of $660, which is a 22% savings on your premiums. Before the discount, the combined home and auto insurance cost is $2,972, and after applying the bundle discount, the total cost drops to $2,312.

Allstate

The average bundle discount at Allstate is $593, or 19%. Without a bundle discount, customers pay $3,153 for coverage. After the bundle discount, customers pay $2,560 on average. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Nationwide

The average bundle discount at Nationwide is $409, or 15%. Without the bundle discount, the average cost of coverage is $2,771. After the bundle discount, that cost goes down to $2,362. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

Farmers Insurance

Farmers Insurance offers an average bundle discount of $341, which is about 9%. Without the discount, the combined cost of home and auto insurance is $3,929. After applying the discount, the total cost drops to $3,588.

Compare home and auto bundles in Washington

Bundling your home and auto insurance in Washington can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$2,312	47	87.4	A++	22%	78.87
Allstate	$2,560	39	85	A+	19%	70.47
Nationwide	$2,362	42	86.6	A	15%	65.75
Farmers Insurance	$3,588	43	82	A	9%	49.85

What company offers the cheapest home and auto bundle in Washington?

State Farm provides the largest discount on premiums for bundled insurance, while PEMCO offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
PEMCO	$915	$1,316	$2,231	$1,762
State Farm	$1,397	$1,575	$2,972	$2,312
Nationwide	$1,100	$1,671	$2,771	$2,362
Allstate	$891	$2,262	$3,153	$2,560
Farmers Insurance	$1,474	$2,455	$3,929	$3,588

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

Your 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 Washington.

Most expensive ZIP codes

The most expensive ZIP code in Washington for home and auto insurance bundling is 98168 at an average rate of $2,898. See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
98168	$2,898	17%
98144	$2,865	17%
98108	$2,852	17%
98118	$2,848	17%
98106	$2,848	17%
98126	$2,817	17%
98134	$2,809	17%
98178	$2,809	17%
98174	$2,801	17%
98132	$2,797	17%

Least expensive ZIP codes

The least expensive ZIP code in Washington for home and auto insurance bundling is 98221 at an average rate of $2,114. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
98221	$2,114	17%
98278	$2,118	17%
98277	$2,120	17%
98233	$2,150	17%
99212	$2,227	17%
99224	$2,246	17%
99102	$2,250	18%
99206	$2,250	17%
98626	$2,261	17%
99217	$2,264	17%

Frequently asked questions about home and auto bundle insurance

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

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 Washington?

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

Utah$1,972/Year

Vermont$1,553/Year

Virginia$1,995/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 Washington
Compare home and auto bundles in Washington
What company offers the cheapest home and auto bundle in Washington?
Most and least expensive ZIP codes for home and auto insurance bundles in Washington
Frequently asked questions about home and auto bundle insurance
Methodology