Best & Cheapest Home And Auto Insurance Bundle In North Carolina 2025
State Farm’s home and auto insurance bundle for North Carolina residents comes in at an average of $2,559 per year, making it the best deal available.
We’ve saved shoppers an average of $450 per year on their home insurance.
Finding affordable home and auto insurance bundles in North Carolina just got easier. With 15 years as an insurance agent, I’ve assisted many clients in finding good coverage at reasonable prices.
Bundling these policies often leads to savings, as insurance companies offer discounts for multi-policy customers. This guide provides comparisons, customer feedback, and my personal take on the best bundle options available.
The Best Home And Auto Bundle Insurance In North Carolina, 2025
Compare The Best Home And Auto Bundles In North Carolina
| 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 North Carolina 2025
Best Overall
Key Statistics
Why We Like Them
⇅Rated highly by A.M. Best and S&P Global, State Farm is a leader in North Carolina for auto and home insurance, offering financial security and affordable rates. North Carolina policyholders appreciate the variety of coverage options, from auto to homeowner’s and recreational insurance.
State Farm’s localized approach with nearby agents and easy online quoting makes personalizing coverage simple, while a top score from J.D. Power underscores its dedication to customer satisfaction.
Benefits & Drawbacks
⇅- Savings with bundled service options.
- Unparalleled customer assistance
- Steady financial security ✓
- Gap insurance not present
- It's not unusual for claims to undergo a lengthy processing phase.
- Time-sensitive offers ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅Allstate is a prime choice for North Carolina residents looking to bundle their home and auto insurance due to its competitive pricing. The company offers significant savings, with discounts reaching up to 25% for bundled policies. A unique feature is Allstate’s HostAdvantage, which provides additional coverage for homeowners who rent their homes.
The Responsible Payment Discount rewards customers for maintaining a good payment record. Although customer satisfaction ratings can vary, Allstate’s affordability and comprehensive coverage make it an appealing option. Choosing to bundle your home and auto insurance with a reliable company is a strategic move that simplifies management and offers considerable savings. A top-rated insurer guarantees prompt claims processing and excellent customer support, ensuring you have peace of mind.
Benefits & Drawbacks
⇅- Reasonable pricing
- A broad selection of insurance coverage
- Policy that supports energy-efficient replacements ✓
- Discordant customer feedback
- Claims often face delays during processing.
- Counts on agents from the locality. ✘
Cheapest
Key Statistics
Why We Like Them
⇅Farmers has become a prominent choice for bundling home and auto insurance in North Carolina due to its low premiums. The company’s rates are significantly lower than many competitors, making it an ideal option for North Carolina residents looking for thorough coverage without straining their finances. Additionally, bundling policies can save customers around 20% on average, further enhancing affordability.
In addition to competitive pricing, Farmers Insurance provides extensive coverage and substantial savings opportunities. Their customizable plans allow North Carolina residents to select the coverage that meets their specific needs, including dwelling, personal property, liability, and additional living expenses for homeowners, as well as comprehensive, collision, and liability coverage for vehicles.
Farmers also offers a range of discounts based on policy and location, giving customers various avenues to unlock savings. Securing your assets with a reputable insurance company that provides low rates for bundling home and auto insurance in North Carolina is a strategic choice. This decision consolidates your coverage under a trusted provider and opens the door to significant savings while simplifying policy management
Benefits & Drawbacks
⇅- Many discount offers
- Varied insurance options for both home and car.
- Cost-effective bundle pricing ✓
- The reliability of customer service varies
- Basic online capabilities
- Elevated insurance costs for risky drivers. ✘
Best For Add-Ons
Key Statistics
Why We Like Them
⇅For North Carolina residents seeking a top choice in bundle insurance, Nationwide offers an extensive range of add-on options that stand out. Homeowners can benefit from smart home discounts that yield significant savings. Nationwide also includes term life and pet insurance in its bundles, providing a broader coverage scope.
Designed to enhance customer protection, the add-ons feature rental coverage for homes, ensuring you’re protected if a temporary move is necessary due to a covered loss. Additionally, bundling home and auto insurance with Nationwide can lead to savings of up to 20%, making it a comprehensive and cost-effective option.
When choosing home and auto insurance, it’s vital not to settle for basic coverage. Seeking a bundle that provides extensive add-ons allows for a tailored policy that meets your unique needs, offering protection that goes beyond standard coverage. Features such as roadside assistance or flood coverage can be lifesavers during emergencies.
Benefits & Drawbacks
⇅- Respected for its commitment to excellent customer service.
- Above ten extra coverage features
- Get a 20% discount on bundled items. ✓
- Restricted digital access
- They're not leading in price competitiveness.
- Placing trust in local representatives ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Selecting GEICO for bundled insurance in North Carolina is a smart move to maximize your savings on home and auto policies. One of the key benefits of bundling with GEICO is the automatic multi-policy discount that 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 an accessible option for a diverse customer base. Beyond the substantial discounts associated with bundling, GEICO also offers various other savings opportunities. For example, insuring multiple vehicles can lead to discounts of up to 25% on most of your car insurance coverages.
Additionally, GEICO provides membership, organizational, or employee discounts, further increasing your savings potential. The financial advantages of bundling home and auto insurance in North Carolina offer undeniable value. A company that presents a range of discounts not only reduces your financial burden but also reflects its commitment to customer satisfaction. Each discount—be it from multi-policy, claims-free, or loyalty incentives—contributes to a significant reduction in your overall premium.
Benefits & Drawbacks
⇅- Superior digital access for consumers
- Affordable rates
- Several policy offers ✓
- There were instances of customers feeling dissatisfied with the service experience.
- Watch out for sudden price increases.
- Minimal local office options ✘
Cheapest Home And Auto Insurance Bundles In North Carolina 2025
State Farm offers the cheapest bundled insurance policy, at an average of $996 per year.
| Company | Annual Bundle Premium |
| Erie | $4,287 |
| Nationwide | $3,012 |
| State Farm | $996 |
Cheapest Non-Bundle Combinations In North Carolina
Combining your insurance policies with a single provider isn’t always the most cost-effective choice. In some cases, purchasing policies from different insurers can save you more money.
For Florida residents, one of the most budget-friendly non-bundled insurance options pairs Nationwide’ auto insurance with Travelers home insurance. This combination offers an annual premium of $1,549.
| Auto Insurance Company | Home Insurance Provider | Annual Premium |
| Metropolitan | Travelers | $1,998 |
| Nationwide | MetLife | $2,297 |
| Nationwide | Metropolitan | $2,298 |
| State Farm | MetLife | $2,367 |
| Nationwide | Travelers | $1,549 |
| State Farm | Travelers | $1,619 |
| Allstate | Travelers | $1,976 |
| MetLife | Travelers | $1,999 |
Biggest Home And Auto Bundle Discounts In North Carolina
State Farm offer the largest bundled insurance discount at around 25%. However, USAA provide the lowest discount of 12%.
| Company | Discount |
| Erie | 15% |
| Nationwide | 22% |
| State Farm | 25% |
| USAA | 12% |
How To Bundle Home & Auto Insurance
Learn the straightforward process of bundling your auto and home insurance with these steps
Determine Your Coverage Needs
To begin bundling your auto and home insurance, you must first identify what coverage you need. Take a close look at the value of your home and vehicle, the necessary protection level, and any specific coverage requirements based on your area or personal circumstances. This initial analysis is crucial for securing the right bundle.
Gather Information About Your Home And Vehicle
After determining what coverage you need, gather all relevant details about your home and vehicle. This should encompass the age and condition of your house, any installed security features, your vehicle’s make and model, your driving record, and other pertinent information. Insurers will rely on this data to provide you with accurate quotes.
Compare Quotes From Different Insurers
After gathering all relevant information, begin searching for quotes from different insurers. This can be done online or by contacting an insurance agent. It’s essential to obtain quotes from various companies to secure the best deal. While comparing them, take note of both the cost and the coverage details, along with any exclusions.
Review Each Offer Thoroughly
After gathering a range of quotes, take time to closely examine each offer. Look into the coverage details, deductibles, policy limits, and any additional benefits offered with the bundle. It’s also essential to evaluate the insurer’s reputation, their customer service ratings, and their approach to claims.
Make Your Purchase
Once you’ve compared all the offers and picked the bundle that best suits your needs, it’s time to proceed with the purchase. Ensure you read through the policy documents carefully before signing. After the purchase, keep your insurance documents in a secure place, and make sure to review your policies annually to confirm they still meet your needs.
Benefits Of Bundling Your Insurance In North Carolina
Bundling your insurance policies offers a range of advantages. Here are some of the main benefits
Major Savings On Premiums
By bundling your home and auto insurance, you can achieve considerable savings on your premiums. As noted by Experian, bundling may save you up to 25% since many insurers provide discounts for customers with multiple policies.
Convenient Insurance Management
Another significant advantage of bundling is the convenience it brings. Managing different policies from various insurers can be cumbersome, with multiple bills and renewal dates. Bundling simplifies this process, reducing paperwork and the hassle of dealing with various insurance companies.
Enhanced Customer Service Experience
A noteworthy but often overlooked benefit of bundling is the improved customer service experience it can offer. By bundling your policies, you become a more valuable customer to your insurance provider, resulting in better service when you need to file a claim or seek assistance.
Drawbacks Of Bundling Your Insurance In North Carolina
Bundling your insurance can sometimes have drawbacks. Here are a few reasons to consider
Potential For Higher Rates
Even though bundling usually saves money, it might also lead to higher premiums. If a company has competitive rates for auto insurance but not for home insurance, you might end up paying more when bundling them together.
Limited Flexibility In Coverage Choices
By bundling, you may restrict your options for coverage. Each insurance provider has its own strengths, and a company that excels in auto insurance may not be the best choice for home insurance, limiting your coverage options.
Risk Of Missing Superior Offers
Bundling can create a sense of complacency, making you less likely to seek out better deals from other insurers. If you are happy with your bundled policies, you might not compare rates during renewal, potentially overlooking better savings or coverage.
Average Home And Auto Insurance Rates In North Carolina – By City
| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate Of Bundled Policies |
| Raleigh | $150 | $165 | $310 |
| Durham | $152 | $170 | $318 |
| Charlotte | $138 | $170 | $300 |
| Fayetteville | $190 | $200 | $385 |
Compare Insurance Bundles Rates To Other States
| State | Annual Rate |
| New York | $3,728 |
| Texas | $2,966 |
| Pennsylvania | $4,311 |
| Michigan | $2,483 |
| Florida | $3,629 |
Our Methodology
To ensure the accuracy and reliability of our insurance company ratings, we utilize a comprehensive methodology. We evaluate many insurance providers and gather insights from established review platforms. Additionally, we consider critical metrics from trusted industry leaders like A.M. Best and J.D. Power. My 15 years of experience as an insurance agent also enriches our analysis. This rigorous approach guarantees our ratings are informed and trustworthy, guiding you confidently in 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 typically save a significant amount, often between 10% and 25% on each policy. However, the actual savings will vary depending on your insurance company, your location, and the specific terms of your policies.
Which insurance policies can I bundle together?
The most common type of bundle is the home and auto insurance package, which provides thorough coverage for your home and cars. However, some insurers will also allow you to bundle additional policies, including renters, condo, boat, motorcycle, and life insurance.
Who offers the best insurance bundle policies?
State Farm is a leading provider of insurance bundles, known for its exceptional customer ratings and numerous industry awards.
