Best & Cheapest Home And Auto Insurance Bundles In Arizona 2024
Arizona residents can find top rates on home and auto insurance bundles with State Farm, averaging $2,559 per year.
We’ve saved shoppers an average of $450 per year on their home insurance.
Bundling your home and auto insurance policies under one company often results in discounts, as insurers reward customers who buy multiple policies.
In this guide, we’ll explore comparison charts, customer reviews, and my personal insights to highlight the best options in Arizona. With over 15 years as an insurance agent, I’ve helped many people save money on their policies by finding the right coverage.
Best Home And Auto Bundle Insurance In Arizona, 2024
Compare The Best Home And Auto Bundles In Arizona
| Overall Rating | Best For | A.M. Best Rating | J.D. Power Rating | Average Bundle Cost | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Overall |
A++ |
838 |
$2,559 |
Instant Quote |
| Allstate |
|
Runner-Up |
A+ |
809 |
$2,630 |
Instant Quote |
| Nationwide |
|
Add-On Captions |
A+ |
797 |
$6,466 |
Instant Quote |
| GEICO |
|
Discounts |
A++ |
801 |
$3,175 |
Instant Quote |
Best Home And Auto Insurance Bundles in Arizona 2024
Best Overall
Key Statistics
Why We Like Them
⇅State Farm ranks as Arizona’s top choice for home and auto insurance thanks to its strong financial backing and competitive rates. High ratings from A.M. Best and S&P Global Ratings highlight the company’s solid financial footing, giving policyholders confidence in its ability to fulfill claims reliably.
State Farm’s lower-than-average rates make it an affordable option, and its extensive coverage options and personalized service add to its appeal. Whether you need a mix of auto, home, or even RV insurance, State Farm’s local, accessible agents and online quoting system make it easy to tailor coverage. Customer satisfaction ratings from J.D. Power further underscore its commitment to Arizona residents.
Benefits & Drawbacks
⇅- Affordable prices when you bundle services.
- Exceptional customer care
- Robust financial security ✓
- Absence of gap coverage
- Processing claims often takes a significant amount of time.
- Special offers ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅Allstate stands out as a top choice for bundling home and auto insurance in Arizona, largely because of its competitive rates. The company provides significant savings, allowing Arizona residents to save as much as 25% when combining their home and auto policies. One standout feature is Allstate’s HostAdvantage home-sharing insurance, which offers extra protection for homeowners renting out their properties.
Additionally, the Responsible Payment Discount rewards customers with a good payment history. While customer satisfaction ratings are varied, Allstate’s low prices and extensive coverage options make it a solid option for bundled insurance in Arizona.
Choosing to bundle your home and auto insurance with a reputable company is a smart strategy, as it not only simplifies management but also provides substantial savings and efficient claims processing. A top-rated insurer ensures fair and prompt claims handling, along with excellent customer service, giving you peace of mind.
Benefits & Drawbacks
⇅- Affordable rates
- Diverse array of coverage choices
- Coverage for energy-saving replacements ✓
- Varied customer feedback
- Processing claims often takes a considerable amount of time.
- Relies on agents in the area. ✘
Best For Add-Ons
Key Statistics
Why We Like Them
⇅Nationwide is an excellent option for bundle insurance in Arizona, primarily due to its wide array of add-on choices. Tech-savvy homeowners can benefit from smart home discounts that significantly reduce costs. Additionally, Nationwide includes term life and pet insurance in its bundles, offering more comprehensive coverage across various life aspects.
The add-ons are designed to enhance protection and convenience for customers, such as home rental options that ensure coverage if you need to temporarily move due to a covered loss. With potential savings of up to 20% when bundling home and auto insurance, Nationwide proves to be a cost-effective choice.
When considering home and auto insurance, it’s essential not to settle for basic coverage alone. Prioritizing a bundle with extensive add-ons allows you to customize your policy to fit your specific needs, ensuring protection that goes beyond the standard. Whether you need roadside assistance for your vehicle or flood coverage for your home, these additional features can be invaluable in unforeseen circumstances.
Benefits & Drawbacks
⇅- Well-known for outstanding customer service.
- More than 10 additional coverage options
- Save 20% when you bundle. ✓
- Restricted internet access
- Their pricing isn't the most competitive.
- Reliant on nearby representatives ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Opting for GEICO for bundled insurance in Arizona is a smart way to save on home and auto insurance. A major perk of bundling with GEICO is the multi-policy discount, which is applied automatically when you combine auto insurance with homeowners, renters, condo, or mobile home insurance.
Additionally, GEICO offers discounts for students, military personnel, and federal employees, making it an appealing choice for a wide variety of customers. Alongside substantial savings from bundling, GEICO provides various other discount opportunities. For example, insuring multiple vehicles with GEICO can lead to discounts of up to 25% on most car insurance coverages.
Furthermore, the company offers discounts for memberships, organizations, or employees, further enhancing your savings potential. The financial advantages of bundling home and auto insurance in Arizona offer significant value. A company that provides numerous discounts not only eases your financial burden but also shows its dedication to customer satisfaction. Whether it’s through multi-policy discounts, claims-free discounts, or loyalty rewards, each of these savings can contribute to a noticeable decrease in your annual premium.
Benefits & Drawbacks
⇅- Superb digital convenience for clients
- Affordable prices
- Numerous discounts on policies ✓
- A few individuals expressed unhappiness with the customer service they received.
- Prices might unexpectedly rise.
- Few local branches available ✘
Cheapest Home And Auto Bundles In Arizona
State Farm provide the cheapest home and auto bundle policy in Arizona at an average rate of $2,492 per year.
| Company | Average Premium |
| State Farm | $2,492 |
| Farmers | $4,233 |
| Nationwide | $3,864 |
| Allstate | $3,917 |
| Travelers | $6,107 |
Biggest Home And Auto Bundle Discounts In Arizona
State Farm offers the largest bundle discount, approximately 24%, while Allstate provides a more modest discount of 12%.
| Company | Discount |
| Nationwide | 16% |
| Allstate | 12% |
| State Farm | 24% |
| Farmers | 23% |
The Cheapest Non-Bundle Combinations In Arizona
Combining a Travelers auto insurance policy with a Farmers home insurance policy in Arizona provides an affordable option, with a total annual premium of $2,675. This approach is ideal for those who prefer separate policies for their auto and home insurance while keeping costs manageable.
| Auto Insurance Company | Home Insurance Provider | Annual Premium |
| Travelers | Farmers | $2,675 |
| State Farm | Farmers | $2,754 |
| Farmers | Nationwide | $2,765 |
| Nationwide | Metropolitan | $2,764 |
| Travelers | Nationwide | $2,216 |
| State Farm | Nationwide | $2,297 |
| Nationwide | State Farm | $2,348 |
| Allstate | Nationwide | $2,380 |
Reasons You Should Bundle Your Insurance In Arizona
Bundling your insurance policies comes with numerous benefits. Here are some of the main advantages:
Substantial Savings on Premiums
By combining your home and auto insurance, you can enjoy significant discounts on your premiums. According to Experian, bundling could save you up to 25%, as many insurers provide discounts for customers who consolidate their policies with one provider.
Simplified Insurance Management
Another benefit of bundling is the convenience it offers. Managing multiple policies from different insurers can be tedious, with various bills, renewal dates, and points of contact. Bundling simplifies your experience, reducing paperwork and the hassle of dealing with several insurance companies.
Improved Customer Service Experience
A key yet often overlooked advantage of bundling is the enhanced customer service you may receive. When you bundle your policies, you become a more valued customer, which typically leads to better, more efficient service when you need to file a claim or seek assistance.
Reasons Not To Bundle Your Insurance In Arizona
While bundling your insurance can have benefits, there are times when it may not be the best choice for you.
Higher Rates Possible
Even with potential savings, bundling your home and auto insurance might sometimes result in increased rates. A company may have competitive pricing for auto insurance but not for home insurance, leading you to pay more for one policy than necessary when combined.
Limited Flexibility
When you bundle your policies, you might face restrictions regarding coverage options. Different insurers have varying strengths—one may excel at auto insurance while another is better for home coverage. Bundling could mean sacrificing the chance to get the best policies available.
Overlooking Better Offers
Bundling can create a sense of complacency, causing you to miss out on better deals from other insurers. If you feel satisfied with your bundle, you may neglect to compare options when renewal time comes, potentially missing out on lower rates or improved coverage elsewhere.
How To Bundle Home & Auto Insurance In Arizona
Discover these straightforward methods to combine your car and home insurance seamlessly
Determine Your Coverage Needs
The first thing to do when bundling your home and auto insurance is to determine what coverage you need. Assess the worth of your home and vehicle, the protection level required, and any specific needs based on your area or personal situation. This assessment is vital for securing a bundle that offers sufficient protection.
Gather Information About Your Home And Vehicle
After identifying your coverage needs, the next step is to collect all relevant information about your home and vehicle. This should include details such as the age and condition of your property, any security systems in place, the make and model of your car, and your driving record, along with other important information. Insurers will rely on this data to generate precise quotes.
Compare Quotes From Different Insurers
Once you have all the necessary information, begin looking for quotes from various insurance providers. You can do this online or by reaching out to an insurance agent. It’s essential to obtain quotes from multiple companies to secure the best deal. When comparing them, focus on not just the price but also the coverage specifics and any exclusions.
Review Each Offer Thoroughly
After receiving multiple quotes, make sure to carefully examine each one. Review the coverage specifics, deductibles, policy limits, and any extra benefits included in the bundle. Additionally, take into account the insurer’s reputation, customer service history, and how they handle claims.
Make Your Purchase
Once you’ve examined all the offers and chosen the bundle that fits your needs best, it’s time to make your purchase. Make sure to read the policy documents thoroughly before signing. After buying, store all your insurance paperwork in a secure location, and remember to review your policies every year to ensure they still align with your needs.
Average Home And Auto Insurance Rates In Arizona By City
| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate Of Bundled Policies |
| Phoenix | $118 | $186 | $302 |
| Scottsdale | $119 | $154 | $270 |
| Mesa | $94 | $136 | $228 |
| Peoria | $96 | $154 | $248 |
Most Expensive ZIP Codes In Arizona
ZIP code 85065 holds the distinction of being the priciest area for home and auto insurance bundles in Arizona, with an average annual cost of $5,301.
| ZIP Code | Average Yearly Premium |
| 85065 | $5,301 |
| 85073 | $5,289 |
| 85097 | $5,177 |
| 85017 | $4,963 |
| 85019 | $4,986 |
Cheapest ZIP Codes In Arizona
ZIP code 85065 holds the distinction of being the priciest area for home and auto insurance bundles in Arizona, with an average annual cost of $5,301.
| ZIP Code | Average Yearly Premium |
| 86401 | $3,199 |
| 85365 | $3,364 |
| 85607 | $3,279 |
| 86441 | $3,527 |
| 85344 | $3,256 |
Our Methodology
To provide the most accurate and dependable insurance company ratings, we follow a thorough methodology. We evaluate numerous insurance providers and utilize insights from well-known insurance review platforms. We also take into account essential metrics from reputable industry leaders like A.M. Best and J.D. Power. Additionally, my 15 years of experience as an insurance agent adds valuable first-hand knowledge to our analysis. This careful approach guarantees that our ratings are informed and reliable, helping you make confident insurance decisions.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
How much can I save with bundled insurance?
Combining your insurance policies can result in significant savings, typically ranging from 10% to 25% for each policy. However, the actual savings you experience can differ widely based on your insurance provider, geographic location, and the details of your individual policies.
Which insurance policies can I bundle together?
The most frequently offered bundle includes home and auto insurance, which delivers extensive protection for your home and vehicles. However, some insurance providers also allow you to bundle additional policies such as renters, condo, boat, motorcycle, and even life insurance.
Who offers the best insurance bundle policies?
State Farm is recognized as a top insurance provider for bundled policies, consistently receiving high customer ratings and industry awards.
