Nationwide home and auto bundle insurance in 2024 -Insure.com

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For those who bundle home and auto insurance together with Nationwide, the average cost of both is $3,643 per year on average. That’s an 18% discount on the combined annual premiums. However, rates vary and bundling isn’t always the right choice.

“I recommend shopping multiple insurers every two to three years because most companies offer better rates for new customers than they do for existing customers. I know many companies offer discounts for staying with a company, but most companies still offer better rates for new customers to grow their business,” says David Lervig, founder of the Insurance School of Texas.

Insure.com has compiled all the data so you can see if it makes sense to bundle your policies with Nationwide, including comparing bundle rates to other companies and what it costs to buy policies separately.

Key Takeaways

Bundling home and auto with Nationwide saves, on average, 18% off of the combined annual premiums.
The average rate for auto and home bundled with Nationwide is $3,643 annually.
Nationwide comes highly recommended by customers and has good third-party ratings.

Nationwide home and auto bundle overview

Beyond rates, there are additional things to consider to ensure you’re choosing a reputable company. Nationwide’s National Association of Insurance Commissioners (NAIC) complaint ratio, which shows how many complaints have been lodged against the company, is low at 0.87, below the baseline of 1.00.

Nationwide has an AM Best score of A+ which shows superior financial strength and ability to pay out claims. The table below shows what you’ll pay, on average, if you bundle your home and auto together with Nationwide.

Average bundled premium	% Savings	NAIC score	AM Best score
$3,643	18%	0.87	A+

Pros and cons of Nationwide

Every company has pros and cons, which you should consider when comparing quotes. Here are some pros and cons for Nationwide, according to our Best Home Insurance Companies and Best Car Insurance Companies reviews of 2024:

Pros	Cons
Offices across the country	Home insurance rates are above the national average
Wide array of discounts	Not available in all states
Superior AM Best score of A+

How much does a Nationwide home and auto bundle cost?

The average cost if a home and auto insurance bundle across the nation is $3,643 a year. The following table shows the cost of a home and auto bundle with Nationwide in each state. The savings vary by state, which is why it’s so important to shop around.

The most significant savings are in Mississippi, where bundling with Nationwide can save almost $3,000 a year.

State	Home insurance premium	Auto insurance premium	Premium before bundle	Premium after bundle	Saving
Alabama	$4,096	$1,167	$5,263	$4,243	$1,020
Arkansas	$4,845	$1,831	$6,676	$5,418	$1,258
Arizona	$1,843	$2,395	$4,238	$3,708	$530
California	$1,353	$2,664	$4,017	$3,106	$912
Colorado	$5,763	$1,794	$7,557	$6,624	$932
Washington, D.C.	$1,621	$2,550	$4,171	$3,604	$567
Delaware	$1,130	$1,609	$2,739	$2,167	$572
Florida	$1,925	$2,671	$4,596	$3,997	$599
Iowa	$2,627	$1,144	$3,771	$3,015	$755
Idaho	$1,239	$1,096	$2,335	$1,993	$341
Illinois	$2,542	$1,579	$4,121	$3,024	$1,097
Indiana	$2,513	$1,309	$3,822	$3,145	$676
Kansas	$7,107	$1,466	$8,573	$6,943	$1,630
Kentucky	$2,706	$1,893	$4,599	$3,465	$1,134
Maryland	$2,151	$1,855	$4,006	$3,267	$740
Missouri	$4,326	$1,463	$5,789	$5,216	$574
Mississippi	$6,582	$1,326	$7,908	$5,112	$2,796
Montana	$2,211	$1,517	$3,728	$3,188	$540
North Carolina	$3,133	$1,274	$4,407	$2,931	$1,477
Nebraska	$6,701	$1,248	$7,949	$7,261	$688
New Hampshire	$1,428	$1,017	$2,445	$1,972	$473
Nevada	$1,146	$1,871	$3,017	$2,733	$284
Ohio	$1,877	$1,006	$2,883	$2,361	$522
Oregon	$1,038	$1,255	$2,293	$1,862	$431
Pennsylvania	$2,188	$2,089	$4,277	$3,525	$752
Rhode Island	$1,978	$2,101	$4,079	$3,476	$605
South Dakota	$4,275	$1,277	$5,552	$4,800	$752
Texas	$5,497	$1,779	$7,276	$6,466	$809
Utah	$1,120	$1,159	$2,279	$1,972	$308
Virginia	$1,565	$1,186	$2,751	$2,267	$483
Washington	$1,100	$1,671	$2,771	$2,362	$409
Wisconsin	$1,449	$1,241	$2,690	$2,276	$415
West Virginia	$1,623	$1,644	$3,267	$2,713	$554

States where Nationwide is most expensive for bundling home and auto

Nebraska is the most expensive state for home and auto insurance with Nationwide.

The table below shows the top five states where bundling with Nationwide is most expensive. While you can still get a discount, insurance policies in these states are expensive even with bundling.

State	Bundle insurance rates
Nebraska	$7,261
Kansas	$6,943
Colorado	$6,624
Texas	$6,466
Arkansas	$5,418

States where Nationwide is cheapest for bundling home and auto

Oregon is the cheapest state for home and auto bundling with Nationwide. The table below shows which states have the cheapest rates for bundling your home and auto with Nationwide.

State	Bundle insurance rates
Oregon	$1,862
New Hampshire	$1,972
Utah	$1,972
Idaho	$1,993
Delaware	$2,167

Home and auto bundle rates from Nationwide in major cities

Location is a major factor when it comes to the cost of both home and auto insurance, so the city you call home will affect what you pay. The following table shows the average cost of a home and auto bundle with Nationwide in several major cities.

Cities	Bundle insurance rates
Chicago, IL	$3,734
Houston, TX	$3,132
Phoenix, AZ	$4,338
Philadelphia, PA	$4,586
San Diego, CA	$2,776

Nationwide home and auto bundle insurance rate comparison

Nationwide ranks 5th for bundle pricing when compared to other major carriers, with average premiums of $3,643. State Farm has the cheapest home and auto bundling rates of $2,853 a year. The following table looks at how Nationwide compares to other carriers for home and auto bundling.

Company	Home insurance premium	Auto insurance premium	Premium before bundle	Premium after bundle
State Farm	$2,124	$1,667	$3,791	$2,853
Erie Insurance	$2,378	$1,570	$3,948	$3,332
American Family	$2,347	$1,677	$4,025	$3,340
Auto-Owners	$2,097	$1,789	$3,887	$3,417
Nationwide	$2,809	$1,611	$4,420	$3,643
Allstate	$1,743	$2,875	$4,619	$3,886
Amica	$2,131	$2,621	$4,752	$3,924
Progressive	$2,060	$2,586	$4,645	$4,245
Farmers	$3,364	$2,440	$5,804	$4,693
Travelers	$5,161	$1,823	$6,984	$6,210

Bundling with Nationwide vs. buying from two different companies

The following table shows the cost of buying separate policies with Nationwide and another carrier for home or auto insurance and whether you’ll save if you bundle.

The only example we found where bundling was not cheaper was combining an auto policy from Nationwide and a home policy with Allstate. In all other scenarios, bundling with Nationwide resulted in the lowest overall rate.

Nationwide home insurance with auto insurance from a competitor

Company	Home premium	Company	Auto premium	Total cost
Nationwide	$2,809	Allstate	$2,875	$5,684
Nationwide	$2,809	Erie	$1,570	$4,379
Nationwide	$2,809	Progressive	$2,586	$5,395
Nationwide	$2,809	State Farm	$1,667	$4,476
Nationwide	$2,809	Travelers	$1,823	$4,632
Total cost when bundled with Nationwide				$3,643

Nationwide auto insurance with home insurance from a competitor

Company	Auto premium	Company	Home premium	Total cost
Nationwide	$1,611	Allstate	$1,743	$3,354
Nationwide	$1,611	Erie	$2,378	$3,989
Nationwide	$1,611	Progressive	$2,060	$3,671
Nationwide	$1,611	State Farm	$2,124	$3,735
Nationwide	$1,611	Travelers	$5,161	$6,772
Total cost when bundled with Nationwide				$3,643

Should you bundle home and auto insurance with Nationwide?

When compared to buying separate policies for home and auto, bundling with Nationwide gets you an 18% discount, for average annual premiums of $3,643. However, the average rates vary quite a bit by state, which makes it important to shop around.

Nationwide has a superior AM Best score of A+ and a favorable complaint score with the NAIC. That makes it a solid choice for home and auto insurance.

Frequently asked questions

Is it cheaper to have home and car insurance together with Nationwide?

Bundling will get you a discount, but rates vary based on your needs and profile, so it’s important to compare quotes from several companies to see what’s most affordable for you.

Is it worth it to bundle home and auto insurance with Nationwide?

Nationwide gives an average 18% discount for home and auto bundling, so it’s worth bundling for many people. However, it’s important to compare quotes for your insurance needs.

What our expert says

David LervigFounder and instructor at the Insurance School of Texas

Methodology

Insure.com commissioned home and auto insurance rates for major carriers from Quadrant Data Services in late 2023. Home insurance rates are based on $300,000 in dwelling and liability coverage and a $1,000 deductible. Auto insurance rates are based on a full coverage policy with 100/300/100 liability limits and $500 deductibles, using the sample profile of a 40-year-old male driving a 2023 Honda Accord LX with a clean driving record and good credit. Quadrant also provided average bundling discounts.