Best Home And Auto Insurance Bundles In New Jersey 2025
With an average cost of $2,559 per year, State Farm offers New Jersey residents top bundle rates for home and auto insurance.
We’ve saved shoppers an average of $450 per year on their home insurance.
New Jersey residents searching for the mbest home and auto insurance bundles should consider State Farm, who offer policies at an average annual rate of $2,559.
Bundling policies can lower rates since insurers offer discounts for multiple lines. As a former insurance agent with over 15 years of experience, I’ve helped many people find cost-effective coverage.
Best Home And Auto Bundles In New Jersey, 2025
Compare The Best Home And Auto Bundles In New Jersey
| 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 |
| Farmers |
|
Cheapest |
A |
813 |
$1,598 |
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 New Jersey 2025
Best Overall
Key Statistics
Why We Like Them
⇅State Farm is New Jersey’s top home and auto insurer, valued for its financial reliability and competitive prices. Strong ratings from A.M. Best and S&P Global affirm its capacity to handle claims promptly, reassuring policyholders.
Offering below-average rates and comprehensive coverage options, State Farm is an accessible choice. Local agents and online tools make it easy to tailor policies, and J.D. Power’s high rating reflects State Farm’s commitment to customer satisfaction.
Benefits & Drawbacks
⇅- Affordable pricing with package deals.
- First-rate customer treatment
- Solid financial resilience ✓
- Void of gap insurance
- Claims can take quite some time to process.
- Brief discount opportunities ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅In New Jersey, Allstate is an excellent option for those seeking to bundle home and auto insurance, thanks to its competitive rates. The company offers discounts of up to 25% for bundled policies, making it a cost-effective choice. One standout offering is the HostAdvantage home-sharing insurance, which provides added coverage for homeowners who rent their properties.
Allstate also has a Responsible Payment Discount for those with a strong payment history. While customer satisfaction ratings are mixed, the combination of affordability and good coverage options makes Allstate a solid choice. Bundling your home and auto insurance with a trusted provider helps streamline your insurance management and unlocks significant savings. A well-rated insurer ensures prompt claims handling and exceptional customer service, giving you confidence and peace of mind
Benefits & Drawbacks
⇅- Competitive cost structure
- Extensive variety of coverage options
- Insurance for replacing with energy-saving options ✓
- Differing customer evaluations
- The processing of claims can be quite slow.
- Rests on agents based nearby. ✘
Best For Add-Ons
Key Statistics
Why We Like Them
⇅Nationwide is a top contender for bundled insurance in New Jersey, especially because of its extensive range of add-on options. Smart home discounts can offer substantial savings for homeowners who utilize modern technology. Additionally, Nationwide provides term life and pet insurance as part of its bundle options, allowing for comprehensive coverage across different life areas.
The add-ons are intended to deliver extra protection and convenience for customers, including home rental options to ensure coverage during temporary relocations due to covered losses. With potential savings reaching up to 20% when bundling home and auto insurance, Nationwide is a comprehensive and affordable choice.
As a consumer, opting for basic coverage may not be adequate. It’s essential to find a home and auto bundle that includes extensive add-ons, allowing for policy customization to meet individual needs. Features like roadside assistance or flood coverage can prove invaluable in unexpected situations.
Benefits & Drawbacks
⇅- Noted for its outstanding customer service performance.
- More than 10 additional coverage upgrades
- Save 20% when you purchase bundles. ✓
- Narrow online capacities
- Their pricing falls short in terms of competitiveness.
- Depending upon local agents ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Opting for GEICO for bundled insurance in New Jersey is a great way to maximize your savings on home and auto insurance. One major benefit of bundling with GEICO is its automatic multi-policy discount, which applies when you combine auto insurance with homeowners, renters, condo, or mobile home coverage.
The company also extends discounts to students, military members, and federal employees, appealing to a broad audience. In addition to the significant savings from bundling, GEICO provides a variety of other opportunities for discounts. For example, insuring more than one vehicle can lead to savings of up to 25% on most of your auto coverages.
GEICO also offers membership, organizational, or employee discounts on car insurance, enhancing the potential for even greater savings. The financial benefits of bundling home and auto insurance in New Jersey provide undeniable value. A company offering numerous discounts not only eases your financial stress but also demonstrates its dedication to customer satisfaction. Each discount—be it multi-policy, claims-free, or loyalty-related—contributes to a marked reduction in your annual premium.
Benefits & Drawbacks
⇅- Stellar online availability for patrons
- Competitive charges
- Numerous savings on policies ✓
- Some customers found the customer service lacking.
- Prepare for unexpected price rises.
- Scant local office numbers ✘
Cheapest Home And Auto Insurance Bundles In New Jersey 2025
The cheapest bundle premium can be found with Allstate, at $2,437 per year.
| Company | Average Annual Premium |
| Allstate | $2,437 |
| Travelers | $2,688 |
| State Farm | $2,559 |
| New Jersey Manufacturers | $2,653 |
Biggest Home And Auto Bundle Discounts In New Jersey
State Farm offer residents of New Jersey the largest discounts, at 25%. On the other hand, USAA provide the lowest discount percentage, at 12%.
| Company | Discount |
| Travelers | 15% |
| Nationwide | 22% |
| State Farm | 25% |
| USAA | 12% |
Cheapest Non-Bundle Combinations In New Jersey
Although bundling insurance policies often leads to discounts, it’s not always the most cost-effective option. In some cases, buying car and home insurance from separate providers can save you more money.
For example, in New Jersey, combining a home insurance policy from State Farm and an auto insurance policy from MetLife offers the lowest non-bundled rate, costing $2,687 annually.
| Auto Insurance Company | Home Insurance Provider | Annual Premium |
| MetLife | State Farm | $2,687 |
| MetLife | Allstate | $2,822 |
| Metropolitan | Allstate | $2,822 |
| Allstate | MetLife | $2,929 |
| MetLife | State Farm | $2,687 |
| MetLife | Allstate | $2,824 |
| Metropolitan | Allstate | $2,825 |
| Allstate | MetLife | $2,927 |
How To Bundle Home & Auto Insurance In New Jersey
Discover the easy steps to consolidating your car and home insurance for maximum efficiency
Determine Your Coverage Needs
Understanding your coverage needs is essential when bundling your home and auto insurance. Start by assessing the value of your home and car, determining the level of protection necessary, and considering any specific needs that arise from your location or personal circumstances. This evaluation is crucial for obtaining a comprehensive insurance bundle.
Gather Information About Your Home And Vehicle
Once you have established your coverage needs, compile all the necessary information regarding your home and vehicle. This includes aspects like your home’s age and condition, security features, the make and model of your car, and your driving history, along with any other important details. Insurance companies will use this information to create accurate quotes.
Compare Quotes From Different Insurers
Once you’ve compiled all the required information, it’s time to shop around for quotes from different insurance providers. You can do this online or by reaching out to an insurance agent. It’s crucial to get quotes from several insurers to ensure you find the best deal. When making comparisons, focus on not just the price, but also the details of the coverage and any exclusions.
Review Each Offer Thoroughly
Once you have several quotes, be sure to analyze each offer carefully. Look at the coverage information, deductibles, policy limits, and any added benefits associated with the bundle. Additionally, consider the insurer’s reputation, customer service history, and how effectively they handle claims.
Make Your Purchase
After reviewing all the offers and selecting the bundle that fits your needs, it’s time to finalize the purchase. Be sure to carefully read the policy documents before signing anything. Once you’ve made your purchase, store all your insurance documents safely, and remember to reassess your policies each year to ensure they continue to meet your requirements.
Reasons You Should Bundle Your Insurance In New Jersey
There are many reasons to consider bundling your insurance policies. Here are some of the primary benefits:
Considerable Savings On Premiums
Bundling your home and auto insurance can lead to significant savings on your premiums. Experian reports that you could save up to 25% by combining your policies, as insurers frequently offer discounts to customers who hold multiple types of coverage.
Simplified Management Of Insurance
Another key advantage of bundling is the ease it provides in managing your insurance. Dealing with several policies from different insurers can be tedious, with various bills and renewal dates to track. Bundling simplifies this, reducing paperwork and making it easier to manage your home and auto policies.
Improved Customer Service Experience
An often-overlooked advantage of bundling is the enhanced customer service experience. When you bundle, you become a more important customer to the insurer, which can lead to smoother service when you need to file a claim or require assistance.
Reasons Not To Bundle Your Insurance In New Jersey
Bundling insurance isn’t always the best choice. Here are some potential downsides:
Potential For Increased Premiums
While bundling can save money, it can also lead to higher rates. An insurer might offer attractive rates for auto coverage but not for home coverage, resulting in higher costs when combined.
Limited Coverage Flexibility
When you bundle your policies, you might have fewer choices in terms of coverage. Different insurers have varying strengths; a company that excels at auto insurance might not be as effective in home insurance. This could mean you lose out on better coverage options.
Risk Of Overlooking Better Deals
Bundling can make you complacent and less likely to shop around for better offers from other insurers. If you’re satisfied with your bundled savings, you might skip comparing options when renewal comes, possibly missing out on better coverage or savings.
Average Home And Auto Insurance Rates In New Jersey – By City
| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate Of Bundled Policies |
| Clifton | $70 | $165 | $230 |
| Trenton | $100 | $170 | $268 |
| Jersey City | $190 | $170 | $358 |
| Sicklerville | $135 | $242 | $374 |
Our Methodology
Our goal of providing accurate and dependable insurance company ratings is achieved through a detailed methodology. We review a variety of insurers, drawing insights from trusted review sites. We also incorporate key metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I bring valuable knowledge to our evaluations. This thorough approach ensures our ratings are well-informed and trustworthy, aiding you in your insurance decision-making process.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
How much can I save with bundled insurance?
When you consolidate your insurance policies, you may enjoy substantial discounts, often in the range of 10% to 25% for each one. However, these savings can vary significantly based on your insurance provider, where you live, and the details of your coverage.
Which insurance policies can I bundle together?
A widely used bundle is the home and auto insurance package, offering all-encompassing protection for both your home and vehicles. However, certain insurers also let you combine additional policies like renters, condo, boat, motorcycle, and even life insurance.
Who offers the best insurance bundle policies?
Recognized as a leader in policy bundles, State Farm consistently receives high customer ratings and accolades from industry professionals.
