Calculate how much you save by bundling home and auto insurance with the same insurer. Uses published discount rates from major carriers.
Bundle Savings: Home Saving = Home Annual Premium x Insurer Home Discount Rate Auto Saving = (Auto Premium Per Vehicle x Vehicles) x Insurer Auto Discount Rate Total Annual Saving = Home Saving + Auto Saving Monthly Saving = Total Annual Saving / 12 5-Year Saving = Total Annual Saving x 5
The average bundling discount is 8-15% on both policies combined. According to the Insurance Information Institute, the typical bundled customer saves $300-$500 per year.
Not always. While bundling offers discounts, each insurer's base rates vary significantly. It is worth comparing bundled quotes with separate-insurer quotes annually.
Nationwide and State Farm typically offer the largest bundling discounts (up to 15% on home), though the best deal depends on your specific location, home value, and driving record.
Yes -- most major insurers offer a multi-policy discount for renters plus auto, though the discount is typically 5-10% rather than the larger home-plus-auto bundle.
No. Bundling changes your premium pricing but not your coverage limits or terms. Each policy remains independent.
Your current premiums. Enter what you pay today for each policy — commonly auto and home or auto and renters. The calculator applies a typical multi-policy discount to estimate the bundled cost.
Policies to bundle. The more eligible policies you combine with one insurer, the larger the typical discount, though the exact percentage varies by carrier and state.
The result estimates your combined premium after a typical bundling discount and the dollars saved versus buying separately. Treat it as a directional figure: real discounts range widely, and the cheapest bundle is not always cheaper than the two best standalone policies. Use the estimate to decide whether bundling is worth requesting a quote, then compare the real bundled price against your best separate quotes.
This is an educational estimate, not a quote. It applies an average discount and cannot see your specific carrier's bundling rules, other discounts you may already have, or differences in coverage between a bundled and standalone policy. A larger discount on worse coverage is not always a better deal. Compare real quotes before switching.
Multi-policy discounts commonly range from about 5% to 25%, varying by insurer and state. The calculator applies a typical figure; your real discount may differ.
Not always. Two strong standalone policies can beat a bundle, especially if one insurer is uncompetitive on a particular line. Always compare the bundled price against your best separate quotes.
Auto with home or renters is the most common pairing, but many insurers also bundle life, umbrella, and other policies for additional savings.
It can. Make sure a cheaper bundle offers the same limits and deductibles you would choose separately — a discount on weaker coverage is not a true saving.
No. You can leave at any time, though you would lose the multi-policy discount. It is still worth re-shopping periodically to confirm the bundle stays competitive.
Usually the discount applies across the bundled policies, though the exact split varies. Ask the insurer to show the bundled and unbundled prices for each line.
Learn when bundling pays off in when bundling insurance saves you money, shop effectively with how to compare insurance quotes, and see the big picture in what affects your insurance premium. Price the pieces with the auto and home calculators.
Bundle discount rates are sourced from insurer-published marketing materials, state insurance department filings, and the Insurance Information Institute's multi-policy discount analysis. Rates are representative ranges and were last reviewed June 2026. Actual discounts are determined by each insurer's underwriting system and may differ.
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