The 9 Best Home and Auto Insurance Packages for 2023 - NerdWallet (2023)

Combining home and car insurance is a great way to save. But don't just choose the first insurance company you find that offers a discount on the package. Choose an insurance company with excellent customer service, many benefits and coverage options, and other discounts.

Here are NerdWallet's picks for the best home and car insurance packages.

The 9 Best Home and Auto Insurance Packages for 2023 - NerdWallet (1)

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How we choose the best home and car insurance packages

Our editors have selected insurers with NerdWallet ratings of at least 4.5 stars for their auto and home insurance products. All selected carriers offer a discount for bundling auto and home insurance policies. We exclude insurers whose products are available in fewer than 10 states.

To learn more about how we rank insurers, read ourmethodology.

" FORWARD:How to save when combining home and car insurance

american family

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Advantages:Wide range of coverage and discounts, with few consumer complaints.

Opposites:Not available in all states.

In summary:If you live in one of the states served by American Family, it's worth considering their combination policies.

According to American Family, policyholders can save up to 23% by bundling home and auto insurance. The company also offers strong customer service, resulting in fewer consumer complaints to state regulators than expected for an insurer of its size.

In addition to standard auto insurance coverage, you can also add decreasing deductibles to your policy. With this feature, American Family reduces itsdeductible- the amount of any claim for which you are responsible - $100 for each year that you drive safely.

Decreasing deductibles and a large number of other additional services are also available for household contents insurance. For example, you can protect against water damage caused by drains and blocked drains or the failure of large appliances.

In addition to a bundle discount, you may qualify for savings if:

  • Install certain smart devices in your home.

  • Home ownership for less than 15 years.

  • You recently renovated your house.

  • Insure more than one vehicle with American Family.

  • Drive less than 7,500 miles per year.

  • Sign up for automatic payment.

Check out oursAmerican family car insurancejAmerican family home insurancereviews to learn more.


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Advantages:Few consumer complaints about car and home insurance. Online application registration and tracking available.

Opposites:Home insurance does not exist in Alaska and Hawaii. Auto insurance is not available in Hawaii.

In summary:Outstanding customer satisfaction and few consumer complaints make Amica a great choice for people looking to combine their home and auto policies.

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Amica's website claims policyholders can save up to 30% by combining their home and auto insurance. Along with a generous discount, the company offers a variety of coverage options. Amica also receives fewer complaints from government regulators than expected for a company of its size.

Homeowners who want additional coverage over and above Amica's standard homeowner's policy can purchase the Platinum Choice Package, which includes the followinghousing coverageand higher liability limits. Meanwhile, drivers can purchase extras like comprehensive window coverage or Prestige Rental Insurance, which covers up to $5,000 on a comparable rental vehicle, if your vehicle is involved in an accident.

Combining isn't the only discount Amica offers. Depending on your state, you can also save money by:

  • Be insured with any car insurance company for at least two years.

  • Insure more than one car.

  • Equip your car with anti-theft devices such as car alarms or GPS tracking systems.

  • Avoid car insurance claims for at least three years.

  • Secure a new or renovated home.

  • Sign up for paperless billing or automatic payment.

Read more on ourfriend car insurancejAmica Residential Insuranceassessments

" FORWARD:The best home insurance companies

financial country

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Advantages:Many discounts available. Attracts far fewer consumer complaints than expected.

Opposites:Policies are not available in all states.

In summary:Country Financial is a solid choice for clients who want a wide range of coverage options.

Country Financial is another great pooling option. The company has a high level of customer satisfaction, with far fewer complaints to government regulators than would be expected for a company of its size.

Country Financial offers a wide range of home insurance options depending on the policy you choose. Some policies cover issues like countertop burns or power surges that damage electronic equipment. And in most states, the company offers guaranteed replacement cost coverage where there's no limit to how much you pay for new building materials and labor to rebuild your home.

Auto insurance coverage options includeNew car replacement, which can pay for a new vehicle after an accident, even if your vehicle is a few years old. You can also add car rental and travel disruption, which will reimburse you for up to $800 on a rental car if you have an accident along the way. It also covers some transportation, lodging and meal expenses if you have an accident more than 100 miles from where you live.

The company offers various discounts. Depending on your state, savings may be available for things like:

  • Installation of smoke detectors and automatic sprinkler systems in your home.

  • Request a quote before your policy expires.

  • Securing a car with an alarm or anti-theft device.

  • Pass for at least three years without fines or accidents.

  • Working as a teacher, firefighter, police officer, paramedic or paramedic.

Read more on ourCountry car insurance financial reviewjReview of the country's financial home insurance.

" FORWARD:The best car insurers.


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Advantages:It entails fewer consumer complaints than might be expected for a company of its size.

Opposites:Not available in all states.

In summary:Farmers offers generous home insurance and customizable auto insurance, making it a strong candidate for people looking for packages.

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Farmers, one of the largest insurers in the United States, offers many discounts as well as many ways to customize your coverage. Sells auto and home insurance in most states.

Depending on where you live, your Farmers homeowners policy may include extended homeowners insurance, which provides additional insurance for your home's structure should it cost more than expected to rebuild. The policy can also cover your property on a replacement cost basis, meaning the company will pay enough to buy new replacements if your items are stolen or destroyed. (Some companies pay less for older items due to depreciation.)

When it comes to auto insurance, Farmers has a variety of optional coverage types to choose from. For example, drivers who work for companies like Uber or Lyft can addride-sharing insurance. If your car is a year or two old, you may want to add new auto replacement insurance so you can buy a new vehicle if your vehicle is totaled.

In addition to packages, farmers can also offer discounts for:

  • Do you have a fire alarm or security system in your home.

  • Do not have smokers in your home.

  • Be a teacher, fireman, policeman, doctor, nurse, dentist or engineer.

  • Driving a hybrid or other alternative fuel vehicle.

  • Stops more than one car at the farmers.

  • Have a good student in your politics.

Find out more details by reading ourAuto insurance for farmersjHome insurance for farmersassessments

o hannover

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Advantages:Attracts significantly fewer consumer complaints than expected for a company of its size.

Opposites:Available in less than half of US states.

In summary:Hanover caters to home and car wrappers with two customizable packages.

Hanover has two house/car packages with package discounts: Platinum and Prestige.

Platinum is the standard package, which includes a variety of customizable coverage options. For example, you can add guaranteed replacement cost coverage to your homeowners policy to ensure you always have enough money to rebuild your home after a disaster, even if your homeowner's coverage limit is very low.

If a single event affects both your home and vehicle, you only have to pay one deductible, not both. This can be, for example, a fire that destroys your house and your car in the garage.

Designed for high-end homes and cars, Prestige offers flexible and generous coverage limits. Prestige homeowner policy covers up to $100,000 for artwork or other valuables, plusLoss of Use Coverageif you need to live elsewhere while your home is being repaired. Prestige car insurance includes high coverage limits for vehicle rental and travel expenses if your car breaks down.

In addition to earning savings, you can receive a discount or credit for:

  • Do you have a newly built house.

  • be a non-smoker

  • Install safety or protection devices in your home.

  • Pay your premium in full in advance.

  • Do you have safety features in your car like ABS brakes.

  • Insure multiple vehicles.

For more information see ourCar insurance in HanoverjHousehold contents insurance in Hanoverassessments


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Advantages:It offers many discounts including up to 20% off car and home packages.

Opposites:It guarantees no mobile or prefabricated houses.

In summary:The country's few claims and large number of discounts make it a solid choice for buyers looking to combine home and auto policies.

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Nationwide's website says customers can save up to 20% by combining home and auto insurance, and you can get a home/auto package deal right on the company's homepage.

National home insurance comes with decree or law coverage. After a claim is settled, it can pay off to bring your home up to current building codes. Homeowners can also opt for extended replacement cost coverage, which pays up to twice the home's coverage limit if the cost of rebuilding the home is more than anticipated under an insured claim.

Company car insurance offers a few additional options. Drivers can choose the temporary deductible program, which lowers your deductible over time as long as you drive safely. You can also add Collision Damage Waiver, which waives your Collision Damage Waiver or Collision Deductible if your car is totaled.

By the companyCar insurance pays per kilometerThe SmartMiles program is available in most states. If you don't drive often, you can save on auto insurance by opting into the program. You pay a flat base rate plus a monthly fee per mile.

In addition to a package discount for home and auto insurance, other discounts may be available for:

  • Keep an accident-free logbook.

  • Sign up for automatic payments or paperless invoicing.

  • Driving with anti-theft device.

  • Have smoke detectors, fire alarms, or other protective devices installed in your home.

  • Insure a house you bought last year.

  • Live in a gated community.

Read more on ournational car insurancejnational homeowners insuranceassessments


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Advantages:Wide variety of home insurance options, plus a free home fire prevention service in most states.

Opposites:It advertises relatively few discounts compared to some of its competitors.

In summary:Because of the strong coverage options, it's worth considering packages from the country's largest insurance company.

State Farm advertises a discount of up to 17% when combining auto and home insurance. As the largest insurer in the United States, State Farm can also offer other policies to cover things like a boat, trailer, farm, or small business.

State Farm's auto insurance covers all the basics, but you can add extras like trip insurance (handy if you drive for services like Uber or Lyft). Safe drivers who wish to have State Farm control their driving habits may receive discounts through the Drive Safe & Save program.

State Farm offers a long list of home insurance options to choose from, although some will require speaking to an agent to add to your policy. Home insurance policyholders in most states can get a smart Ting device for free that tracks problems in their electrical system that could lead to fires.

Depending on where you live, State Farm may offer discounts for:

  • Insure more than one car with State Farm.

  • Have an anti-theft device in your vehicle.

  • Take a defensive driving course.

  • Have a hail-proof roof.

  • Installation of intruder alarm systems, smoke detectors or other protective devices.

Find out more on ourState Farm Auto InsurancejState Rural Housing Insuranceassessments


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Advantages:Extensive range of car insurance. Green home discounts available.

Opposites:Mobile or prefabricated houses are not included.

In summary:Travelers is a great choice for eco-friendly homeowners who want a wide variety of coverage options and discounts.

Travelers is promoting up to 13% off car insurance when paired with an owner policy. The company has a high level of customer satisfaction and has had few complaints to government regulators for an insurer of its size.

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Homeowners can upgrade to content replacement cost coverage, which pays for new items if their property is damaged or lost in an insured disaster. When you choose Green Home coverage, travelers can cover the additional cost of using green building materials to rebuild your home after an insured claim.

Car insurance for travelers also offers useful additional services. Your responsible driver plan forgives one accident and one minor violation for a specified period of time. The Premier Responsible Driver Plan does the same thing, but also includes a decreasing deductible: $50 rebate every six months with good driving, up to $500 rebate on deductible.

In addition to a discount on the home and car package, you can qualify for savings by:

  • Insure multiple vehicles.

  • Drive safely.

  • Insure a vehicle that is less than 3 years old.

  • Request a quote before your policy expires.

  • Install protective devices such as smoke detectors, fire alarms, or security systems in your home.

  • Have your home certified as a "green home" by the US rating system. Leadership in Energy and Environmental Design or LEED Green Building Council.

Find out more on ourCar insurance for travelersjContents insurance for travelersassessments

United States for

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Advantages:Fewer customer complaints than expected for a company of this size. Household contents insurance includes useful benefits.

Opposites:Only available to active military personnel, veterans and their families.

In summary:USAA is a good option for service members who want to consolidate their policies.

USAA policyholders can save up to 10% by bundling home and auto policies, the company says on its website. However, USAA insurance is not available to everyone. Only active-duty military members, veterans and their families are eligible to become USAA members and purchase USAA policies.

Owners can enjoy included services such as:replacement cost coveragefor your belongings, which pays enough to buy new items if your belongings are damaged or destroyed in a covered loss. The USAA also covers military uniforms with no deductible.

In some states, you can save money on your auto insurance by signing up for the company's SafePilot program, which uses an app to track your driving habits. If you avoid risky behaviors like hard braking and using your phone while driving, you can get a discount.

Depending on where you live, you may also get a discount for:

  • Life on a military base.

  • Insure more than one vehicle.

  • Automatic payment settings.

  • Installing smart home technology in your home.

  • Insure your home with USAA for at least 3 years.

Find out more on ourUS auto insurancejUSAA Home Insuranceassessments

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