Best Home And Auto Insurance Bundles In Indiana 2025
State Farm provides Indiana homeowners and drivers with the best bundle, averaging $2,559 annually. However, the cheapest rates can be found with Indiana Farmers, at an average annual premium of $2,501.
We’ve saved shoppers an average of $450 per year on their home insurance.
If you’re on the hunt for the most affordable home and auto insurance bundles in Indiana, Indiana Farmers have an annual rate of around $2,501.
Bundling policies can be a cost-saver, as insurers typically offer discounts for multiple policies. With 15 years of experience as an insurance agent, I’ve helped many people secure the right coverage at lower prices. In this guide, I’ll share comparison charts, customer feedback, and my firsthand experiences to help you choose the best bundle options.
Best Home And Auto Bundles In Indiana, 2025
Compare The Best Home And Auto Bundles In Indiana
| 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 Indiana 2025
Best Overall
Key Statistics
Why We Like Them
⇅In Indiana, State Farm is often regarded as the best choice for home and auto insurance, thanks to its financial strength and attractive rates. Strong ratings from A.M. Best and S&P Global Ratings indicate the company’s reliability in fulfilling claims. Indiana residents benefit from competitive rates, a wide array of policy options, and personalized service.
Whether you need coverage for a car, home, or other recreational vehicles, State Farm is well-equipped to assist, with local agents ready to help. A high customer satisfaction score from J.D. Power also reflects its dedication to serving Indiana residents.
Benefits & Drawbacks
⇅- Competitive pricing with bundled offers.
- Top-notch customer support
- Sound financial footing ✓
- Insufficient gap protection
- It's common for claims to take a while to process.
- Restricted savings ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅Allstate is a top choice for bundling home and auto insurance in Indiana, primarily due to its attractive pricing. The company offers substantial savings opportunities, with discounts that can save Indiana residents up to 25% when they bundle policies. Notably, Allstate provides HostAdvantage insurance, which adds extra coverage for homeowners who rent their properties.
They also reward customers with a good payment history through the Responsible Payment Discount. Although customer satisfaction ratings are mixed, Allstate’s affordable rates and strong coverage options make it a compelling choice for bundling. Bundling home and auto insurance with a reputable provider is a smart strategy, allowing for significant savings and simplified management. A well-rated insurer will ensure efficient claim handling and outstanding customer service, giving you confidence and peace of mind.
Benefits & Drawbacks
⇅- Fair pricing
- Broad spectrum of coverage alternatives
- Policy for replacing with energy-efficient options ✓
- Contrasting customer responses
- It's common for claims to take a while to process.
- Counts on agents within the vicinity. ✘
Best For Add-Ons
Key Statistics
Why We Like Them
⇅Nationwide is a leading option for bundled insurance in Indiana, especially due to its diverse range of add-on options. Homeowners who have embraced smart home technology can take advantage of discounts that lead to considerable savings. Additionally, Nationwide’s bundles include term life and pet insurance, offering a broader scope of coverage for various life aspects.
The add-ons are crafted to provide extra protection and convenience, including rental coverage for homes in case you need to relocate temporarily after a covered loss. Moreover, you can save up to 20% by bundling your home and auto insurance with Nationwide, making it a comprehensive and budget-friendly choice.
When it comes to home and auto insurance, basic coverage may not be enough. Finding a bundle that offers extensive add-ons is crucial, as these features allow you to customize your policy to your individual needs, providing protection that goes beyond the usual options. Whether you need roadside assistance for your vehicle or flood coverage for your home, these add-ons can make a significant difference in emergencies.
Benefits & Drawbacks
⇅- Trusted for delivering superb service to customers.
- Beyond 10 supplementary coverage choices
- Get 20% off with our bundle deal. ✓
- Limited digital abilities
- Their prices aren't the most affordable.
- Depending on agents within the locality ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅By selecting GEICO for bundled insurance in Indiana, you can effectively enhance your savings on home and auto policies. A key benefit of bundling with GEICO is the multi-policy discount that automatically applies when you combine auto insurance with homeowners, renters, condo, or mobile home coverage.
The company also provides discounts for students, military personnel, and federal employees, making it a versatile choice for many customers. In addition to substantial discounts from bundling, GEICO offers various other opportunities for savings. For example, insuring multiple cars can yield discounts of up to 25% on most car insurance coverages. GEICO also provides membership, organizational, or employee discounts, further increasing your savings potential.
The financial advantages of bundling home and auto insurance in Indiana present undeniable value. A company that offers a range of discounts not only alleviates your financial burden but also highlights its commitment to customer satisfaction. Each saving, whether it’s a multi-policy discount or a loyalty reward, contributes to a significant reduction in your annual premium.
Benefits & Drawbacks
⇅- Outstanding web accessibility for patrons
- Cost-effective rates
- A variety of policy price cuts ✓
- There were complaints about the level of customer service provided.
- Prices could increase unexpectedly.
- Not many local offices ✘
Cheapest Home And Auto Bundles In Indiana 2025
Indiana Farmers provide the cheapest bundled rates for residents of Indiana, with an average annual premium of $2,501.
| Company | Annual Bundle Premium |
| Indiana Farm Bureau | $4,083 |
| Indiana Farmers | $2,501 |
| American Family | $2,864 |
| Nationwide | $3,197 |
| Auto-Owners | $4,271 |
The Cheapest Non-Bundle Combinations In Indiana
Combining your insurance policies under one provider doesn’t always guarantee the lowest rates. In fact, there are instances where maintaining separate policies with different companies can be more cost-effective.
For example, in Indiana, one of the most budget-friendly unbundled insurance options involves pairing State Farm’s auto coverage with Allstate’s home insurance. Together, these policies come to an annual total of $1,786.
| Auto Insurance Company | Home Insurance Provider | Annual Premium |
| State Farm | Allstate | $1,786 |
| Allstate | Farmers | $2,460 |
| State Farm | Farmers | $2,210 |
| Farmers | State Farm | $2,788 |
| Farmers | Allstate | $2,019 |
| Allstate | State Farm | $2,815 |
Biggest Home And Auto Bundle Discounts In Indiana
Based on my research, the average saving for people in Indiana who bundle their insurance is $429 per year.
State Farm provide the largest discount for bundling, at 26%. However, just because a company offers the biggest discount, doesn’t mean they have the cheapest bundled rates for you.
| Company | Discount |
| Nationwide | 20% |
| American Family | 19% |
| State Farm | 26% |
| Farmers | 18% |
Average Home And Auto Insurance Rates In Indiana – By City
Your location plays a significant role in determining your insurance premiums in Indiana. Below, you’ll find the average rates for various cities across the state:
| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate Of Bundled Policies |
| Kokomo | $108 | $105 | $210 |
| South Bend | $116 | $128 | $240 |
| Fort Wayne | $98 | $134 | $230 |
| Indianapolis | $125 | $152 | $272 |
How To Bundle Home & Auto Insurance
Follow these steps for a smooth process of consolidating your car and home insurance.
Determine Your Coverage Needs
Understanding your coverage needs is the initial step in bundling home and auto insurance. Consider the value of your house and vehicle, the type of protection you require, and any particular coverage necessities based on where you live or your personal situation. This assessment is key to finding a bundle that adequately protects you.
Gather Information About Your Home And Vehicle
After determining your coverage needs, compile all necessary details about your vehicle and home. This includes the age and condition of your house, any security measures you have, the make and model of your car, and your driving history, as well as any other relevant information. Insurers will utilize this data to provide you with accurate quotes.
Compare Quotes From Different Insurers
After you’ve gathered the necessary information, it’s time to start shopping around for quotes from various insurance companies. You can do this online or by calling an insurance agent. Getting quotes from multiple providers is crucial for finding the best deal. When making comparisons, pay attention to both the price and the specifics of the coverage, including any exclusions.
Review Each Offer Thoroughly
After collecting various quotes, be sure to spend time evaluating each one carefully. Look into the specifics of the coverage, deductibles, policy limits, and any added benefits that come with the bundle. Also, consider the company’s reputation, their customer service history, and their approach to handling claims.
Make Your Purchase
After reviewing the various offers and deciding on the bundle that best fits your requirements, it’s time to finalize your purchase. Ensure you read the policy documents carefully before signing anything. After the purchase, store your insurance documents securely, and remember to assess your policies each year to make sure they continue to meet your needs.
Reasons You Should Bundle Your Insurance In Indiana
There are many benefits to bundling your insurance policies. Here are some of the main advantages
Major Savings on Premiums
Bundling your home and auto insurance can provide significant savings on your premiums. As reported by Experian, you could save as much as 25% when you combine your policies, as insurers often reward customers for having multiple types of coverage with them.
Streamlined Insurance Management
Another perk of bundling is the ease it brings to managing your insurance. Handling various policies from different companies can be cumbersome, with separate bills and renewal dates to remember. Bundling simplifies the process, minimizing paperwork and making it easier to manage your home and auto policies.
Enhanced Customer Service Experience
A notable yet frequently overlooked benefit of bundling is the superior customer service experience it can offer. When you bundle, you become a more important customer to your insurer, often resulting in better service when filing claims or seeking assistance.
Reasons Not To Bundle Your Insurance In Indiana
Bundling your insurance may not always be the best route to take. Here are some reasons to consider
Possible Higher Rates
Despite the savings potential, bundling your home and auto insurance could lead to higher rates in some cases. If a company provides a great rate for auto coverage but not for home coverage, you may end up overpaying for one of the policies by bundling.
Limited Coverage Options
By bundling, you might encounter restrictions in your coverage choices. Each insurance company has its own strengths—while one might be strong in auto insurance, it may not be as proficient in home insurance. This could result in losing out on better options by combining your policies.
Chance of Overlooking Better Rates
Bundling can lead to a sense of complacency that makes you less likely to explore other options. If you’re satisfied with your bundled policy, you might not feel the need to shop around during renewal, potentially missing out on better rates or coverage from other insurers.
Our Methodology
To ensure our insurance company ratings are accurate and trustworthy, we employ a detailed methodology. We analyze multiple insurance providers, gathering insights from several respected review platforms. Key metrics from industry authorities like A.M. Best and J.D. Power also inform our evaluations. With my 15 years as an insurance agent, I contribute valuable expertise to our analysis. This rigorous process ensures our ratings are both knowledgeable and reliable, aiding you in making informed insurance decisions.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
How much can I save with bundled insurance?
Merging your insurance policies can lead to noteworthy savings, generally ranging from 10% to 25% off each policy. However, the amount you save can vary significantly based on your insurance company, your location, and the particular details of your policies.
Which insurance policies can I bundle together?
The typical bundle consists of home and auto insurance, ensuring comprehensive protection for both your residence and vehicles. Nonetheless, some insurers also offer bundles that include other types of coverage, such as renters, condo, boat, motorcycle, and life insurance.
Who offers the best insurance bundle policies?
State Farm has established itself as a leading provider of insurance bundles, earning excellent customer ratings and various industry honors.
