Best & Cheapest Home And Auto Insurance Bundles In Virginia 2025

As a coastal state, Virginia is increasingly vulnerable to severe weather events like hurricanes, windstorms, and flooding. These risks have pushed homeowners insurance premiums higher in recent years. With over 15 years of experience in the insurance industry, I’ve helped countless Virginia residents secure cost-effective, comprehensive coverage — especially by taking advantage of bundling opportunities.

In this guide, I’ll share comparison tables, customer insights, and my own experience with the best and most affordable home and auto insurance bundles in Virginia.

• Average annual home insurance in Virginia: $1,545
• Average annual auto insurance in Virginia: $2,145

By combining both policies, many Virginia homeowners are saving hundreds of dollars per year — and gaining the convenience of simplified insurance management. Let’s break down your best options.

Cheapest Home and Auto Insurance Bundles in Virginia

State Farm offers the cheapest home and auto bundle in Virginia, with an average annual premium of $1,942.

Here’s how the top providers compare:

While State Farm delivers the best price, remember that the ideal policy isn’t just about cost. Coverage limits, customer service, and available add-ons (like flood or hurricane coverage) also matter. Always compare a few personalized quotes to ensure you’re getting both a good deal and the right protection for your needs.

Cheapest Non-Bundle Combinations In Virginia

If you don’t want to bundle your home and auto insurance, you can still find competitive pricing by mixing and matching providers. In fact, the cheapest non-bundled combination in Virginia is:

• Auto policy from State Farm
• Home policy from Nationwide
• Total annual premium: $1,652

Here are some of the lowest-cost combinations:

Sometimes, buying from two different insurers actually results in lower combined premiums than a bundle. This is especially true if one company offers great auto rates but weaker home coverage (or vice versa).

If you’re willing to manage two separate policies, these pairings could offer the best value. Just make sure to weigh any trade-offs in convenience or discounts.

Biggest Home And Auto Bundle Discounts In Virginia

Looking for the largest bundle discounts in Virginia? State Farm leads the way, offering savings of up to 27% when you combine your home and auto insurance policies.

Here’s how the major insurers compare:

Summary of Top Providers:

• State Farm: Offers the most generous bundling discounts in Virginia, consistently around 24–27%.
• Allstate: Competitive savings, averaging 23% on combined policies.
• Nationwide: Known for dependable service, with bundle savings of around 19%.
• Virginia Farm Bureau: Offers a modest 18% discount, but some of the cheapest standalone rates in the state.

If you’re shopping for a bundle in Virginia, don’t just focus on the discount percentage — compare the final combined price. Sometimes, a lower discount on already cheap policies beats a higher discount on expensive ones.

Why You Should Bundle Your Insurance in Virginia

After 15 years in the insurance world, I can confidently say that bundling home and auto insurance is one of the easiest ways to save money and simplify your life — especially in Virginia.

Here’s why bundling often makes sense:

Save More on Premiums

Bundling policies can lead to serious savings. According to Experian, combining home and auto insurance can cut your premiums by up to 25%. Most insurers reward loyalty with a multi-policy discount — and in Virginia, those savings can add up to hundreds or even thousands of dollars per year.

Lock In 12-Month Auto Rates

In Virginia, many standalone auto policies renew every 6 months — and prices often go up. But when you bundle with certain insurers, you may get access to 12-month auto policies that lock in your rate for an entire year. That’s a rare perk worth considering.

Easier Policy Management

Managing two policies with one insurer is just simpler. You’ll deal with fewer bills, one renewal date, one customer portal, and often just one deductible if a single event (like a storm or falling tree) damages both your home and car.

Better Customer Service

When you bundle, you become a higher-value customer. In my experience, that often translates to faster claims processing, priority service, and access to more customizable policy features.

Reasons Not to Bundle Your Insurance in Virginia

Bundling your insurance can save you money — but it’s not always the best choice. Here’s what I’ve seen go wrong in my 15+ years of helping clients compare bundled vs. separate policies:

You Might Actually Pay More

While bundling often results in discounts, that’s not guaranteed. One company might offer great auto insurance rates but charge high premiums for home insurance — and when you combine the two, you could end up overpaying overall.

Limited Coverage Flexibility

Bundling ties you to a single provider, which can restrict your options. Say you find a great auto policy — but their home insurance options don’t cover what you need (like hurricane endorsements or high dwelling limits). You might be sacrificing coverage quality just to save a few dollars.

You Could Miss Out on Better Deals

Bundling often makes people complacent. If you’re saving 20%, you might stop shopping around — even though a better rate could be waiting elsewhere. I’ve seen plenty of clients stuck in outdated bundles that were no longer competitive just because they didn’t re-shop each year.

Special Coverage May Not Be Included

If you’re a high-risk driver, need flood insurance, or want additional endorsements, you might find that bundled policies don’t offer the flexibility you need. Not every company will bundle niche products — and the advertised discount might not even apply to those specialized policies.

Some “Bundles” Aren’t Actually Bundles

Here’s something most people don’t know: not all bundles are truly handled by one company. Some insurers (especially auto-first providers) partner with third-party carriers for home insurance. So while you’re getting a “multi-policy discount,” you’re still dealing with two separate insurers — with two claims departments, two customer portals, and no real streamlining.

💡 Ask your insurer: “Will both my home and auto policies be handled under one provider or split across partners?”

Average Home And Auto Insurance Rates In Virginia By City

Insurance costs can vary widely depending on where you live in Virginia. Below is a breakdown of average monthly rates for home, auto, and bundled policies in several major cities across the state:

Arlington currently has the cheapest bundled insurance rate in Virginia at just $240/month, likely due to its lower auto claim frequency and competitive home insurance market.

Most Expensive ZIP Codes For Auto And Home Insurance Bundles In Virginia

Insurance rates in Virginia can differ drastically depending on your ZIP code. Areas with high claim volumes, weather risk, or dense urban environments tend to be more expensive. Below are the ZIP codes where bundled auto and home insurance costs the most:

23459 is the most expensive ZIP code home home and auto bundles in Virginia, at an average rate of $4,682 per year.

Cheapest ZIP Codes For Auto And Home Insurance Bundles In Virginia

Conversely, these ZIP codes offer the most affordable average premiums for bundled home and auto insurance. These areas often have lower population density, fewer claims, and cheaper home values:

22802 is the cheapest ZIP code for home and auto insurance bundles in Virginia, at $2,469 per year.

Biggest Home and Auto Bundle Discounts in Virginia

Several insurance providers offer competitive bundling discounts in Virginia — but the biggest savings typically come from State Farm. That said, while some companies offer higher percentage discounts, others may have lower base rates, which can still result in the cheapest overall premiums.

• State Farm provides the largest bundling discount in Virginia, averaging around 24% off when you combine your home and auto policies. This makes it one of the top options for those prioritizing maximum savings from a single provider.
• Allstate follows closely behind with an average bundling discount of 21%, offering solid value across the state.
• Nationwide offers discounts averaging 18% for home and auto bundles in Virginia. While the percentage is lower, they are often competitive on pricing — especially in smaller cities and rural areas.
• Virginia Farm Bureau offers a 16% average bundling discount. Although it has the lowest discount percentage of the group, its individual home and auto insurance rates are often among the most affordable in the state, making it a strong contender overall.