Best And Cheapest Home And Auto Insurance Bundles In Pennsylvania 2024
State Farm offer the cheapest home and auto bundle in Pennsylvania, at $2,372 per year.
We’ve saved shoppers an average of $450 per year on their home insurance.
If you’re exploring home and auto insurance bundles in Pennsylvania and want to find the cheapest rates, State Farm offer policies for $2,372 per year. With my extensive tenure as an insurance agent—over 15 years—I’ve successfully matched many clients with cost-effective coverage.
Bundling your home and auto insurance policies is a great way to bring down your overall costs. Some providers off discounts if you choose to purchase and combine multiple policies through them.
This guide will delve into comparison charts, customer ratings, and my own experiences to offer a thorough examination of the most affordable and highly-rated home and auto bundle companies in Pennsylvania.
Best Home And Auto Bundle In Pennsylvania, 2024
Compare The Best Home And Auto Bundles In Pennsylvania
| Overall Rating | Best For | A.M. Best Rating | J.D. Power Rating | Average Bundle Cost | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Overall |
A++ |
838 |
$2,399 |
Instant Quote |
| Allstate |
|
Runner-Up |
A+ |
809 |
$2,416 |
Instant Quote |
| Nationwide |
|
Add-On Captions |
A+ |
797 |
$3,149 |
Instant Quote |
| GEICO |
|
Discounts |
A++ |
801 |
$3,775 |
Instant Quote |
Best Home And Auto Insurance Bundles in Pennsylvania 2024
Best Overall
Key Statistics
Why We Like Them
⇅State Farm is widely regarded as the best choice for home and auto insurance in Pennsylvania, attributed to its exceptional financial strength and competitive premiums. A.M. Best and S&P Global Ratings have awarded State Farm high ratings, affirming its robust financial health. This reliability assures policyholders that State Farm will fulfill its commitments promptly. Moreover, State Farm offers annual rates that are lower than average for numerous drivers, making it a cost-effective selection for Pennsylvania residents and drivers.
Besides financial stability and affordability, State Farm’s comprehensive coverage options and personalized service reinforce its leading role. Whether you need car, homeowners, or life insurance, or coverage for vehicles like ATVs or RVs, State Farm offers solutions that cater to diverse needs. Furthermore, their local approach ensures nearby assistance, allowing you to tailor your insurance quote online or contact a local agent directly.
State Farm’s recognition as the best in Pennsylvania is bolstered by its strong commitment to providing exceptional customer experiences. Achieving an impressive rating of 838 from J.D. Power underscores State Farm’s consistent efforts to exceed policyholder expectations and ensure superior customer satisfaction.
To ensure your financial security, finding the best home and auto bundle insurance company in Pennsylvania is crucial. The right provider offers comprehensive coverage to protect your most valuable assets – your home and vehicle. Bundling these policies can result in significant savings, easier insurance management, and the convenience of dealing with one insurer.
Benefits & Drawbacks
⇅- Great prices when bundled
- Superb customer service
- Financially strong ✓
- Gap insurance is missing
- Long claims processing times
- Limited discounts ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅Allstate is a great option for bundling home and auto insurance in Pennsylvania, primarily because of its competitive pricing. The company offers significant savings through its bundle discounts, with Pennsylvania residents and drivers able to save up to 25% by combining their home and auto policies.
One unique feature of Allstate is its HostAdvantage home-sharing insurance, which provides extra coverage for homeowners renting out their homes. The company also rewards responsible payment history with a Responsible Payment Discount. Although customer satisfaction ratings vary, Allstate’s competitive prices and great coverage make it a good choice for bundling home and auto insurance in Pennsylvania.
Choosing a reputable insurance company to bundle your home and auto insurance in Pennsylvania is a strategic move to secure your assets. This decision consolidates your protection under one trusted provider, leading to significant savings, simpler policy management, and efficient claims processing. A highly rated insurer ensures prompt and fair claim settlements and excellent customer support, providing peace of mind.
Benefits & Drawbacks
⇅- Reasonable pricing
- Extensive coverage options
- Energy-efficient replacement coverage ✓
- Mixed customer opinions
- Claims can be slow to process
- Dependence on local agents ✘
Best For Add-Ons
Key Statistics
Why We Like Them
⇅Nationwide is a standout choice for bundled insurance in Pennsylvania, largely due to its extensive add-on options. These include smart home discounts, which can lead to significant savings for homeowners with smart home systems. Additionally, Nationwide offers term life and pet insurance as part of its bundles, providing more comprehensive coverage.
Nationwide’s add-ons are designed for additional protection and convenience, like home rental coverage for temporary relocations due to covered losses. Furthermore, customers can save up to 20% by bundling home and car insurance, making Nationwide a comprehensive and cost-effective option.
Basic home and auto insurance coverage may not meet all your needs. Choose a bundle with a range of add-ons to get more comprehensive protection. These additional features let you customize your policy to suit your unique requirements, offering coverage beyond the standard. Roadside assistance and flood coverage are examples of important add-ons for unexpected situations.
Benefits & Drawbacks
⇅- Recognized for excellent customer support
- Includes over 10 coverage add-ons
- Bundle up and save 20% ✓
- Limited online service options
- Pricing may not be the most competitive
- Relies on local agents for service ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Bundling your home and auto insurance with GEICO in Pennsylvania is a smart choice for saving money. GEICO’s multi-policy discount applies automatically when you combine auto coverage with homeowners, renters, condo, or mobile home insurance. Additionally, GEICO provides discounts for students, military personnel, and federal workers, offering a flexible option for many different types of customers.
Not only does GEICO provide significant discounts on bundled insurance, but it also presents additional savings opportunities. For example, you could get up to 25% off your car insurance coverages by insuring multiple vehicles with GEICO. Moreover, discounts are available through memberships, organizations, or employment, adding to your savings potential.
The financial perks of bundling home and auto insurance in Pennsylvania are undeniable. When a company offers a range of discounts, it reduces your financial pressure and highlights its focus on customer satisfaction. Discounts for multi-policy, claims-free, and loyalty can lead to significant savings on your annual premium.
Benefits & Drawbacks
⇅- Excellent online functionality
- Competitive rates offered
- Various discounts on policies ✓
- Customer service may receive mixed reviews
- Potential for unanticipated rate hikes
- Few local offices available ✘
Cheapest Home And Auto Bundles In Pennsylvania
State Farm provides the cheapest car and home insurance bundle in Pennsylvania, at $2,372 per year.
| Insurance Company | Home Insurance Premium | Auto Insurance Premium | Premium Before Bundling | Bundle Premium |
| State Farm | $1,543 | $1,994 | $3,537 | $2,372 |
| Nationwide | $2,205 | $2,138 | $4,343 | $3,549 |
| Travelers | $5,599 | $1,602 | $7,201 | $6,613 |
| Allstate | $975 | $3,854 | $4,829 | $3,763 |
| Erie Insurance | $1,980 | $2,204 | $4,184 | $3,492 |
Cheapest Non-Bundle Insurance Combinations In Pennsylvania
While bundling your insurance policies can provide discount rates, this is not always guaranteed. In some instances, it can be cheaper to purchase your car and home insurance from different companies.
Pairing a home insurance policy from Travelers with an auto policy from Allstate provides the cheapest non-bundled insurance combination in Pennsylvania, at $3,392 per year.
| Auto Insurance Company | Home Insurance Provider | Annual Premium |
| Allstate | Travelers | $3,392 |
| Nationwide | Allstate | $2,426 |
| State Farm | Nationwide | $2,864 |
| Travelers | State Farm | $2,867 |
| State Farm | Travelers | $2,888 |
| Travelers | Nationwide | $2,756 |
| Nationwide | State Farm | $3,251 |
| Allstate | Nationwide | $3,359 |
| Nationwide | Travelers | $3,160 |
| Allstate | State Farm | $3,469 |
| Travelers | Allstate | $2,038 |
| State Farm | Allstate | $2,149 |
Biggest Home And Auto Insurance Bundle Discounts In Pennsylvania
State Farm provides the biggest discount for bundling your insurance policies, at 21%. In contrast, USAA offers the lowest discount at only 5%.
| Company | % Discount |
| State Farm | 21% |
| USAA | 5% |
| Nationwide | 19% |
| Travelers | 10% |
| Erie Insurance | 17% |
Benefits Of Bundling Insurance In Pennsylvania
Here are some common reasons when bundling your insurance would make sense.
Significant Savings On Premiums
Combining your home and car insurance policies can significantly reduce your premiums. Experian states that bundling could result in savings of up to 25%. This is because insurers often give discounts to customers who purchase multiple forms of insurance from them.
Simplified Insurance Management
Convenience is another key advantage of bundling insurance. Handling multiple policies from various insurers involves separate bills, renewal dates, and contacts, which can be a hassle. Bundling your home and auto policies streamlines management, reduces paperwork, and eliminates the inconvenience of dealing with multiple insurers.
Enhanced Customer Service Experience
An often overlooked but significant benefit of bundling your home and auto insurance is the improved customer service experience. By bundling your policies, you become more valuable to the insurer, leading to faster responses, better service, and more personalized care.
Drawbacks Of Bundling Your Isurance In Pennsylvania
There are also some situations when you might want to avoid bundling.
Potential For Higher Rates
Even though combining home and auto insurance usually results in savings, it can sometimes result in higher premiums. This is due to some insurers offering better rates for auto insurance than for home insurance. Thus, purchasing both policies from the same provider could lead to overpaying for one.
Limited Flexibility
Bundling insurance policies may restrict your coverage options and flexibility. Each insurance company has different strengths and weaknesses; one that excels in auto insurance might not offer the best home insurance. By bundling, you might be missing out on the best possible coverage for each policy from separate insurers.
Risk Of Overlooking Better Deals
Combining your insurance policies can lead to complacency, making you overlook better deals from other insurers. If a bundle saves you money, you might not shop around during renewal time, potentially missing out on significant savings or better coverage options from other companies.
How To Bundle Home & Auto Insurance
Here are five steps to bundling your auto and home insurance easily and efficiently:
Determine Your Coverage Needs
The first step in bundling home and auto insurance is to grasp your coverage needs. Evaluate the value of your home and car, decide on the protection level you require, and consider any specific coverage based on your location or personal circumstances. This assessment ensures adequate protection.
Gather Information About Your Home And Vehicle
Once you’ve identified your coverage requirements, collect all the necessary information about your home and vehicle. This should include the age and condition of your home, its security features, your car’s make and model, your driving history, and other relevant details. Insurance companies will use this to provide precise quotes.
Compare Quotes From Different Insurers
Once you’ve gathered all the necessary details, start obtaining quotes from various insurance companies. This can be done either online or by speaking with an insurance agent. It’s important to get quotes from multiple insurers to ensure the best possible deal. When you compare quotes, be sure to consider not just the price but also the coverage specifics and any exclusions.
Review Each Offer Thoroughly
After collecting several quotes, take the time to analyze each one. Review the coverage details, deductibles, policy limits, and any additional perks included. Also, evaluate the insurer’s reputation, their customer service performance, and their claims management.
Make Your Purchase
Once you’ve analyzed all the offers and picked the bundle that fits your needs, finalize the purchase. Be sure to read the policy documents in detail before signing. After purchasing, store your insurance documents securely and review your policies once a year to ensure they still align with your needs.
Average Home And Auto Insurance Rates In Pennsylvania – By City
| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate Of Bundled Policies |
| Philadelphia | $148 | $280 | $299 |
| Pittsburgh | $98 | $160 | $217 |
| Allentown | $96 | $167 | $208 |
| Erie | $98 | $157 | $196 |
| Reading | $92 | $161 | $208 |
| Scranton | $102 | $157 | $192 |
| Bethlehem | $89 | $153 | $217 |
| Lancaster | $88 | $145 | $208 |
| Harrisburg | $93 | $139 | $217 |
| York | $87 | $136 | $208 |
Our Methodology
Our aim is to deliver accurate and reliable insurance company ratings through a comprehensive methodology. We evaluate multiple insurers, gather insights from reputable review sites, and consider essential metrics from industry authorities like A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, we enrich our analysis with firsthand expertise, ensuring our ratings are credible guides for your insurance choices.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
How much can I save with bundled insurance?
Bundling your insurance can lead to considerable discounts, often between 10% and 25% per policy. However, the exact amount you save will depend on factors such as the insurance company, your location, and your individual policy terms.
Which insurance policies can I bundle together?
A typical bundle includes home and auto insurance, covering both your dwelling and vehicles. Some insurers extend their bundles to include other types of coverage, such as renters, condo, boat, motorcycle, and even life insurance.
Who offers the best insurance bundle policies?
With a reputation for top-tier policy bundles, State Farm consistently earns high marks from customers and is widely acclaimed in the industry.
