Best Home And Auto Insurance Bundles In Massachusetts 2025
Residents of Massachusetts can access the cheapest home and auto insurance bundle rates from Vermont Mutual, with an average yearly cost of $2,663.
We’ve saved shoppers an average of $450 per year on their home insurance.
The cheapest bundle rates in Massachusetts can be found with Vermont Mutual, at an average yearly rate of $2,663. However, the best bundled insurance policy can be found from State Farm.
Bundling policies is often cheaper, as insurers offer discounts for multiple lines. This guide includes comparisons, customer reviews, and my personal experience to help you identify the top bundle deals in Massachusetts. With 15 years of experience as an insurance agent, I’ve guided many people toward better coverage and lower costs.
Best Home And Auto Bundles In Massachusetts, 2025
Compare The Best Home And Auto Bundles In Massachusetts
| 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 Massachusetts 2025
Best Overall
Key Statistics
Why We Like Them
⇅State Farm stands out as Massachusetts’ premier provider for home and auto insurance because of its financial strength and reasonable rates. Positive ratings from A.M. Best and S&P Global Ratings underscore the company’s stability, reassuring policyholders that claims will be paid reliably.
With lower-than-average costs and a variety of coverage options, State Farm is a versatile choice. Massachusetts residents enjoy the convenience of personalized service through local agents, and a high J.D. Power score points to State Farm’s dedication to excellent customer service.
Benefits & Drawbacks
⇅- Great deals on bundled services.
- Remarkable customer satisfaction
- Secure financial health ✓
- Shortage of gap coverage
- The processing of claims may be prolonged.
- Time-limited bargains ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅Allstate is a strong contender for home and auto insurance bundles in Massachusetts, thanks to its competitive rates. The company provides substantial savings through bundle discounts, allowing customers to save as much as 25% on their combined policies. Allstate’s HostAdvantage is a unique feature that offers extra coverage for those who rent out their homes.
Additionally, the Responsible Payment Discount benefits customers with a positive payment history. While customer satisfaction ratings may be mixed, Allstate’s combination of low prices and great coverage options makes it an appealing choice. Bundling insurance with a reputable company is a strategic decision that not only simplifies management but also provides significant savings. A top-rated insurer ensures timely and fair claim settlements along with excellent customer service, offering you reassurance and peace of mind.
Benefits & Drawbacks
⇅- Competitive charges
- Varied assortment of coverage possibilities
- Insurance for energy-conserving replacements ✓
- Heterogeneous customer critiques
- Claim processing is known for its slow pace.
- Requires local agents for support. ✘
Best For Add-Ons
Key Statistics
Why We Like Them
⇅For Massachusetts residents, Nationwide is a top choice for bundle insurance due to its wide range of add-on options. The smart home discounts available can lead to significant savings for homeowners who utilize smart technology. Nationwide also offers term life and pet insurance in its bundles, providing broader coverage for different aspects of life.
The add-ons are tailored to enhance protection and convenience, with home rental coverage options that protect customers if they need to temporarily move after a covered loss. With potential savings of up to 20% for bundling home and auto insurance, Nationwide is a comprehensive and affordable option.
It’s important not to settle for just basic coverage when looking for home and auto insurance. Prioritizing a bundle with extensive add-ons allows for a personalized policy that meets your specific needs, offering protection that goes beyond standard offerings. Whether you require roadside assistance for your vehicle or flood coverage for your home, these add-ons can be crucial in emergencies.
Benefits & Drawbacks
⇅- Recognized for its excellent customer service record.
- More than a dozen additional coverage enhancements
- Bundle and save 20%. ✓
- Minimal online capabilities
- Their pricing isn't as competitive as others.
- Counting on agents close by ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Choosing GEICO for your insurance bundles in Massachusetts is a smart way to maximize savings on home and auto policies. One of the key benefits of bundling with GEICO is its multi-policy discount, which applies automatically when you combine auto insurance with homeowners, renters, condo, or mobile home coverage.
Additionally, GEICO offers discounts to students, military members, and federal employees, making it an attractive choice for many customers. Alongside the significant savings from bundling, GEICO also provides numerous other opportunities for discounts. For example, insuring multiple vehicles with GEICO can lead to discounts of up to 25% on most of your car insurance coverages.
Moreover, GEICO extends membership, organizational, or employee discounts on car insurance, increasing your savings potential. The financial benefits of bundling home and auto insurance in Massachusetts deliver undeniable value. A company that offers a range of discounts not only lightens your financial load but also showcases its commitment to customer satisfaction. Each saving, whether through multi-policy, claims-free, or loyalty discounts, can lead to a noticeable reduction in your annual premium.
Benefits & Drawbacks
⇅- Top-notch digital connectivity for customers
- Economical fees
- Various policy reductions ✓
- Some customers were displeased with the customer service.
- There's a chance prices could spike unexpectedly.
- Sparse local office presence ✘
Cheapest Home And Auto Bundles In Massachusetts
Vermont Mutual offer the most affordable bundle premium, at $2,663 on average.
| Company | Bundle Premium |
| Amica | $3,918 |
| Allstate | $4,024 |
| Vermont Mutual | $2,663 |
| Travelers | $6,892 |
| Arbella Insurance | $3,235 |
Biggest Home And Auto Bundle Discounts In Massachusetts
The average saving for people in Massachusetts who bundle their insurance policies is $315. At an average of 25%, State Farm offer the largest discount for bundling home and auto insurance.
Just because a company has the largest discount, doesn’t mean that it has the cheapest policy. Make sure to shop around to find your cheapest rate.
| Company | Discount |
| Amica Mutual | 19% |
| Allstate | 21% |
| State Farm | 25% |
| Travelers | 18% |
The Cheapest Non-Bundle Combinations In Massachusetts
Bundling your insurance doesn’t always mean that you will get the cheapest rates. In some cases, it is actually cheaper to keep your insurance policies unbundled and purchase them through different companies.
In Massachusetts, the most affordable non-bundle option can be found by combining State Farm’s auto insurance with MetLife’s home insurance, for a total annual premium of $1,924.
| Auto Insurance Company | Home Insurance Provider | Annual Premium |
| Allstate | State Farm | $2,547 |
| Allstate | MetLife | $2,569 |
| Allstate | Metropolitan | $2,571 |
| State Farm | Travelers | $2,695 |
| State Farm | MetLife | $1,924 |
| State Farm | Metropolitan | $1,929 |
| Metropolitan | State Farm | $2,067 |
| MetLife | State Farm | $2,069 |
Benefits Of Bundling Your Insurance In Massachusetts
Bundling your insurance policies has many benefits. Here are some significant advantages
Notable Savings On Premiums
By bundling your home and auto insurance, you can achieve considerable savings on your premiums. Experian indicates that you could save up to 25% when you combine your insurance policies, as many insurers offer discounts for customers who hold multiple policies with them.
Simplified Management Of Insurance
Another advantage of bundling is the convenience it brings to managing your insurance. Handling several policies from different insurers can be burdensome, with separate bills and renewal dates. Bundling makes managing your home and auto policies easier, reducing paperwork and streamlining communication.
Superior Customer Service Experience
A significant yet often underestimated benefit of bundling is the enhanced customer service experience it can provide. By bundling your policies, you become a more valued customer, leading to improved service when you need to file a claim or seek assistance.
Disadvantages Of Bundling Your Insurance In Massachusetts
There are times when bundling your insurance policies may not be the smartest choice.
Higher Rates Could Occur
Even with potential savings, bundling home and auto insurance might sometimes lead to higher premiums. An insurer may provide a good deal on auto insurance but charge more for home insurance, resulting in an overall higher cost when bundled.
Limited Options For Coverage
When you bundle, you might find that your choices for coverage are limited. Each insurer has different strengths; one may do well in auto insurance while another excels in home coverage. Bundling might prevent you from obtaining the best coverage available.
Overlooking Superior Offers
Bundling can sometimes make you complacent, causing you to miss out on better deals from other providers. If you’re satisfied with your bundled savings, you might skip shopping around at renewal time, which could lead to missing significant savings or improved coverage from other insurers.
Average Home And Auto Insurance Rates In Massachusetts By City
Where you live has a big impact on your insurance premiums in Massachusetts. Check out average rates for different cities in Massachusetts below:
| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate Of Bundled Policies |
| Springfield | $122 | $165 | $282 |
| Worchester | $78 | $220 | $290 |
| Lowell | $175 | $75 | $245 |
| New Bedford | $165 | $158 | $320 |
Our Methodology
Our commitment to delivering accurate and reliable ratings for insurance companies involves a comprehensive methodology. We examine a wide range of insurers, incorporating insights from reputable insurance review sites. We also look at essential metrics from industry leaders like A.M. Best and J.D. Power. Additionally, my 15 years of experience as an insurance agent enriches our analysis with practical knowledge. This thorough approach ensures that our ratings are both informed and dependable, guiding your insurance choices.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
How much can I save with bundled insurance?
By bundling your insurance policies, you can often achieve significant savings, typically around 10% to 25% per policy. However, these savings may vary widely based on factors such as your insurance provider, your location, and the particulars of your policies.
Which insurance policies can I bundle together?
The most standard bundle is the home and auto insurance package, offering wide-ranging coverage for your home and vehicles. However, several insurers allow bundling additional policies, including renters, condo, boat, motorcycle, and life insurance.
Who offers the best insurance bundle policies?
State Farm is known as a top-tier insurance provider for bundled policies, consistently achieving high marks in customer reviews and industry recognition.
