- Cheapest home and auto bundles in Georgia
- Cheapest home and auto insurance bundle companies in Georgia
- Biggest home and auto bundle discounts in Georgia
- How do home and auto bundles affect car insurance rates in Georgia?
- What are the best home and auto insurance companies in Georgia?
- Home and auto bundle insurance in Georgia cities
- How does bundling home and car insurance work?
- The pros and cons of home and auto insurance bundles
- Should you bundle home and auto insurance in Georgia?
- Methodology
- Home and auto insurance bundle in Georgia: FAQs
Cheapest home and auto bundles in Georgia
The cheapest car and home bundles in Georgia are from Auto-Owners, followed by Allstate.
The price you pay with a home and auto bundle depends on the base prices for the home and auto policies as well as the amount discounted on each policy. The table below shows the average rates for home insurance and auto insurance and how much the total premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. is with and without the bundling discount.
| Company | Home premium | Auto premium | Bundle premium | Without bundle premium |
|---|---|---|---|---|
| Auto-Owners | $1,685 | $1,850 | $3,022 | $3,535 |
| Allstate | $1,554 | $2,506 | $3,273 | $4,060 |
| State Farm | $2,513 | $2,033 | $3,296 | $4,546 |
| Country Financial | $3,516 | $1,847 | $4,342 | $5,363 |
Cheapest home and auto insurance bundle companies in Georgia
Auto-Owners
Our take: Auto-Owners car insurance customers rank the company well for high renewal rates and affordable monthly premiums. Its home insurance customers generally score the company well for customer service and discounts. Auto-Owners works solely through agents and doesn’t offer online quoting, but offers many other online services.
Allstate
Our take: Allstate auto customers give the company high scores for ease of service and for its expansive policy offerings. Its homeowners rates are lower than most major competitors and the majority of its home insurance customers give it high marks for customer satisfaction and claims handling. Allstate is the fourth-largest property and casualtyLiability or loss resulting from an accident. insurance company in the U.S.
Biggest home and auto bundle discounts in Georgia
At 27%, the largest discount for bundling home and auto insurance can be found at State Farm. On the other hand, of the companies evaluated, the smallest multi-policy discount belongs to Auto-Owners, at 14%.
| Company | Home and auto bundle discount |
|---|---|
| State Farm | 27% |
| Allstate | 19% |
| Country Financial | 19% |
| Auto-Owners | 14% |
How do home and auto bundles affect car insurance rates in Georgia?
The most affordable rate after the multi-policy discount belongs to Country Financial at $1,581. The largest discount on auto is offered by Allstate at 22%. The table below shows Georgia auto insurance rates before and after applying a bundling discount.
| Company | Auto premium before bundling | Auto premium after bundling | $ difference after bundling | % difference after bundling |
|---|---|---|---|---|
| Country Financial | $1,847 | $1,581 | $265 | 14% |
| Auto-Owners | $1,850 | $1,609 | $240 | 13% |
| State Farm | $2,033 | $1,646 | $387 | 19% |
| Allstate | $2,506 | $1,949 | $557 | 22% |
What are the best home and auto insurance companies in Georgia?
Our home and auto insurance comparison found that Auto-Owners is the best company overall in both categories. It's important to compare not just the cost of your home and auto insurance bundle, but also the reputation of the company you buy it from.
| Company | AM Best | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|
| Auto-Owners | A++ | 0.33 | $1,459 | 5.00 |
| Travelers | A++ | 0.54 | $2,618 | 4.59 |
| Allstate | A+ | 0.9 | $1,589 | 3.68 |
| Farmers | A | 0.54 | $2,739 | 3.24 |
| Georgia Farm Bureau | B++ | 0.61 | $2,457 | 3.22 |
| Nationwide | A+ | 0.87 | $2,652 | 2.74 |
| State Farm | A++ | 0.95 | $2,765 | 2.55 |
| Company | AM Best | JD Power by state | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 859 | 0.5 | $1,529 | 3.94 |
| Country Financial | A+ | 828 | 0.34 | $1,880 | 3.57 |
| Progressive | A+ | 828 | 0.65 | $1,656 | 3.21 |
| Geico | A++ | 847 | 0.91 | $2,072 | 2.99 |
| Allstate | A+ | 816 | 0.65 | $2,014 | 2.98 |
| State Farm | A++ | 807 | 0.7 | $2,344 | 2.96 |
| Mercury Insurance | A | 794 | 0.84 | $2,219 | 2.31 |
Home and auto bundle insurance in Georgia cities
Where you live in Georgia will impact what you pay for an auto and home insurance bundle. Take a look at average home and auto insurance bundles by city below.
| City | Auto & home after discount | Auto & home before discount | $ Difference | % Difference |
|---|---|---|---|---|
| Chattanooga Valley | $3,039 | $3,849 | $810 | 21% |
| Odum | $3,286 | $4,147 | $861 | 21% |
| Acworth | $3,275 | $4,114 | $839 | 20% |
| Athens | $3,077 | $3,868 | $791 | 20% |
| Atlanta | $3,753 | $4,707 | $954 | 20% |
| Augusta | $3,333 | $4,193 | $860 | 20% |
| Austell | $3,447 | $4,331 | $884 | 20% |
| Bainbridge | $3,342 | $4,182 | $841 | 20% |
| Baxley | $3,323 | $4,200 | $877 | 20% |
| Bowersville | $3,183 | $4,020 | $838 | 20% |
| Bronwood | $3,294 | $4,132 | $838 | 20% |
| Cadwell | $3,213 | $4,032 | $819 | 20% |
| Columbus | $3,498 | $4,408 | $910 | 20% |
| Conyers | $3,631 | $4,562 | $931 | 20% |
| Douglasville | $3,464 | $4,349 | $885 | 20% |
| Guyton | $3,494 | $4,376 | $882 | 20% |
| Homerville | $3,237 | $4,067 | $829 | 20% |
| Leary | $3,344 | $4,194 | $850 | 20% |
| Lyerly | $3,331 | $4,193 | $862 | 20% |
| Macon | $3,433 | $4,315 | $882 | 20% |
| Marietta | $3,364 | $4,231 | $866 | 20% |
| Mcdonough | $3,415 | $4,278 | $863 | 20% |
| Milton | $3,307 | $4,159 | $853 | 20% |
| Monroe | $3,346 | $4,208 | $862 | 20% |
| Pooler | $2,735 | $3,429 | $695 | 20% |
How does bundling home and car insurance work?
The concept of bundling is pretty straightforward. You buy more than one type of insurance from the same company and, in exchange for the increased business, the insurance company gives you a discount. And there’s an additional benefit for the insurer for offering bundles: Customers who bundle are more likely to renew their policies.
You typically get discounts on both car insurance and home insurance when you bundle coverage. The discount isn’t the same for both policies. Each insurer has its own discount formulas. Companies may offer a greater discount on one than the other.
The pros and cons of home and auto insurance bundles
The biggest benefit of bundling your home and auto insurance is a decreased premium.
But keep in mind that you won't always save money bundling. You could find a provider with a low price on one of the two policies, which could result in better savings than a bundle. Here’s how that works:
- If you currently pay $1,000 for car insurance from one insurer and $1,200 for home insurance from another, that's a total of $2,200.
- But let's say you decide to buy your home insurance from your auto insurer. The cost for the new home insurance policy is $1,500, or $300 more than your current cost.
- Your total rate under the bundle would be $2,500, a $300 increase.
- That means you'd need a bundle discount of at least $400 or so to lower the total bundle rate enough to save money compared to the price you currently pay for separate policies.
That's why you should compare home and auto insurance bundle quotes to what you're paying for separate policies. Rates on bundles aren't always lower.
Should you bundle home and auto insurance in Georgia?
Prior to signing up for an auto and home bundle, it’s important to shop around. Bundling your car and homeowners insurance has many advantages; you only have to deal with a single company and with a single bill, and you typically get a discount on both policies. Yet bundling isn’t always the best deal.
Some companies have cheap car insurance rates but less competitive home insurance rates, and vice versa. You might pay less overall by choosing two different companies for your insurance.
Shop around and evaluate Georgia car insurance rates on an individual basis and with a bundling discount to make sure you’re getting the best deal before you buy.
Methodology
In the spring of 2023, Insurance.com analyzed rate and discount data from Quadrant Data Services. The rates, from 2022, are the most recent available to Insurance.com and are based on a 40-year-old male driver with a 12-mile daily commute, good credit and a clean driving history. Rates were fielded for a full-coverage policy (100/300/100 with a $500 collision and comprehensive deductible). Homeowners insurance rates are based on $300,000 in dwelling coverage with $300,000 in liability and a $1,000 deductible.
Home and auto insurance bundle in Georgia: FAQs
Below are answers to common questions about bundling home and auto bundles and other multi-policy discounts that can save you money on your insurance.
What information do you need to bundle your policies?
To bundle your policies you will need all of the details for both the cars and the home you want to insure. That includes VINs, driver information and details about the home. Your current home and auto policies will list this information for easy reference.
Is there a limit on how many policies can be bundled?
Generally, you can purchase as many insurance policies as you want from the same company. However, that doesn’t mean you will get a bundling discount with every policy you buy. There may be a limit on the number of policies you can bundle with one company. For instance, you might only qualify for a bundling discount on the three most expensive policies. Speak with an agent from your insurance company to learn more about the rules.
Which insurance companies bundle home and auto insurance?
Almost every insurance company offers a bundling discount, often called a multi-policy discount. Multi-policy discounts aren't just for auto and home. They often include other home insurance policies like renters and condo, as well as motorcycle insurance and in some cases life, RV, boat, and others.
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