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Bundling your home and auto insurance with Progressive costs about $4,245 per year. That’s a 9% discount off of the total combined premium. Rates vary by location, and your insurance needs will affect what you pay for coverage.
It’s important to compare not just bundled rates, but the cost of buying from more than one company to see which is cheaper.
“[Many] companies that offer auto as their primary offer a bundle through a different insurer that may not have competitive rates for homeowners. Their auto insurance rates may be very good, but the homeowner’s insurance rates are well out of line with other well-known companies. You shouldn’t just look at how much you are saving on one policy,” says Jake Jones, owner of North Wyoming Insurance, an independent agency.
Insure.com has compiled all the data to help you decide if a Progressive auto and home bundle is right for you.
Key Takeaways
- Bundling your home and auto with Progressive gets you, on average, a 9% discount on annual premiums.
- The average cost of auto and home insurance when bundled with Progressive is $4,245 a year.
- Progressive rates vary quite a bit by state, so it’s important to compare quotes for your needs.
Progressive home and auto bundle overview
Bundling home and auto insurance has many perks, including a discount. But there are some other things to consider when choosing an insurance company. We’ve gathered discount information along with helpful third-party ratings below.
Progressive’s National Association of Insurance Commissioners (NAIC) score, which shows how many complaints have been lodged against the company, is on the high side at 8.45. Scores below 1 are considered favorable. Progressive has an AM Best score of A+ which shows superior financial solvency and ability to meet financial obligations, like paying out claims.
| Average bundled premium | Savings | NAIC score | AM Best score |
|---|---|---|---|
| $4,245 | 9% | 8.45 | A+ |
Pros and cons of Progressive
Every company has pros and cons, which you should consider when comparing quotes. Here are some pros and cons for Progressive, according to our Best Home Insurance Companies and Best Car Insurance Companies study for 2024:
| Pros | Cons |
|---|---|
| Highly recommended by current customers | Higher-than-average premiums |
| High percentage of customers plan to renew | Low bundling discount compared to other carriers |
| Received good scores for claims handling |
How much does a Progressive home and auto bundle cost?
The following table shows Progressive costs in a sampling of states before and after bundling and how much you would save by bundling home and auto together. The most significant savings are in Florida.
| State | Home insurance premium | Auto insurance premium | Premium before bundle | Premium after bundle | Savings |
|---|---|---|---|---|---|
| Florida | $3,384 | $3,164 | $6,548 | $5,992 | $557 |
| Louisiana | $1,403 | $3,415 | $4,818 | $4,364 | $455 |
| Virginia | $1,370 | $2,119 | $3,489 | $3,092 | $398 |
| West Virginia | $2,081 | $1,645 | $3,726 | $3,532 | $195 |
Home and auto bundle rates from Progressive in major cities
The following table shows what average rates you’ll pay with Progressive in some major U.S. cities.
Your ZIP code matters because insurance companies consider several aspects of your location when calculating rates. Weather is a factor, as are traffic and crime patterns. Your city’s claims history also comes into play. The more claims in a certain area, the higher your rates will be.
Progressive is most expensive for auto and home bundling in Miami, Florida, but it’s important to note that Florida insurance is expensive in general.
| Cities | Bundle insurance rates |
|---|---|
| Jacksonville, FL | $4,230 |
| Virginia Beach, VA | $3,056 |
| Miami, FL | $9,299 |
| Tampa, FL | $5,584 |
| New Orleans, LA | $5,300 |
Progressive home and auto bundle insurance rate comparison
The following table compares Progressive to other carriers for home and auto bundling. Progressive ranks 8th for bundle pricing compared to other major carriers, with average premiums of $4,245.
State Farm has the cheapest home and auto bundling rates of $2,853 a year.
| 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 Progressive vs. buying from two different companies
The following tables show the cost of having separate policies with Progressive plus another carrier for your home or auto insurance and whether you’ll save if you bundle.
Sometimes purchasing a separate home policy with Progressive and an auto policy with Auto-Owners, State Farm or Nationwide is the cheaper option. Otherwise bundling with Progressive is the way to go. Of course, that depends on your personal needs.
Progressive home insurance with auto insurance from competitors
| Company | Home premium | Company | Auto premium | Total cost |
|---|---|---|---|---|
| Progressive | $2,060 | Allstate | $2,875 | $4,935 |
| Progressive | $2,060 | Farmers | $2,440 | $4,500 |
| Progressive | $2,060 | Auto-Owners | $1,789 | $3,849 |
| Progressive | $2,060 | State Farm | $1,667 | $3,727 |
| Progressive | $2,060 | Nationwide | $1,611 | $3,671 |
| Total cost when bundled with Progressive | $4,245 | |||
Progressive auto insurance with home insurance from competitors
| Company | Auto premium | Company | Home premium | Total cost |
|---|---|---|---|---|
| Progressive | $2,586 | Allstate | $1,743 | $4,329 |
| Progressive | $2,586 | Farmers | $3,364 | $5,950 |
| Progressive | $2,586 | Auto-Owners | $2,097 | $4,683 |
| Progressive | $2,586 | State Farm | $2,124 | $4,710 |
| Progressive | $2,586 | Nationwide | $2,809 | $5,395 |
| Total cost when bundled with Progressive | $4,245 | |||
Should you bundle home and auto insurance with Progressive?
Progressive is highly recommended by its customers, and a high percentage plan to renew their policies. Progressive has a superior AM Best score of A+, but its complaint score with the NAIC is high at 8.45.
Progressive’s home and auto bundling isn’t the cheapest of the carriers we’ve reviewed, at $4,245 a year. Notably, its bundling discount is on the lower end, averaging 9%.
It’s important to compare quotes for your insurance needs, as averages are just that; you may save much more than the average.
Frequently asked questions
Is it cheaper to have home and car insurance together with Progressive?
Bundling your home and car insurance together at Progressive gives you a 9% discount on your annual premiums, which makes both policies cheaper. However, that doesn’t make it the cheapest company for you.
Is it worth it to bundle home and auto insurance with Progressive?
If you plan to buy both home and auto insurance from Progressive, you will get a discount, but that doesn’t mean it’s worth switching. Compare rates from other companies before you decide.
What our expert says
Q: Is it always cheaper to bundle?
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.
Related Articles
- Progressive home and auto bundle overview
- Pros and cons of Progressive
- How much does a Progressive home and auto bundle cost?
- Home and auto bundle rates from Progressive in major cities
- Progressive home and auto bundle insurance rate comparison
- Bundling with Progressive vs. buying from two different companies
- Should you bundle home and auto insurance with Progressive?
- Frequently asked questions
- What our expert says
- Methodology