Best Home And Auto Insurance Bundles In South Carolina 2025
State Farm offers an average annual rate of $2,811, providing South Carolina residents with the most competitive home and auto bundle pricing.
We’ve saved shoppers an average of $450 per year on their home insurance.
Looking for budget-friendly home and auto insurance bundles in South Carolina? You’re in good hands. With over 15 years as an insurance agent, I’ve assisted many in finding coverage that saves them money.
Bundling often means better rates, as companies give discounts for buying multiple policies. This guide offers comparisons, customer reviews, and insights to find Texas’s best options.
Best Home And Auto Bundles In South Carolina, 2025
Compare The Best Home And Auto Bundles In South 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 South Carolina 2025
Best Overall
Key Statistics
Why We Like Them
⇅State Farm leads South Carolina in auto and home insurance thanks to its financial stability and competitive pricing. Top ratings from A.M. Best and S&P Global point to the company’s ability to handle claims effectively.
South Carolina residents benefit from below-average rates and comprehensive coverage, with policy options for various insurance needs. The local availability of agents and online quoting makes it easy to customize policies, and J.D. Power’s high rating confirms State Farm’s commitment to excellent customer service.
Benefits & Drawbacks
⇅- Affordable rates with bundled packages.
- Stellar customer support
- Dependable financial well-being ✓
- Deficit in gap insurance
- It's typical for claims to require a lengthy processing period.
- Limited-period deals ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅In South Carolina, Allstate is an excellent choice for those interested in bundling home and auto insurance, primarily due to its competitive rates. Customers can save up to 25% by combining their policies. One standout feature is Allstate’s HostAdvantage, which provides additional coverage for homeowners renting their properties.
Allstate also offers a Responsible Payment Discount for those with good payment records. While customer satisfaction ratings can be mixed, the combination of affordable pricing and comprehensive coverage makes Allstate a strong candidate for bundled insurance. Bundling with a reputable provider simplifies your insurance management and unlocks significant savings. A well-rated insurer ensures quick claim processing and outstanding support, ensuring you have peace of mind.
Benefits & Drawbacks
⇅- Competitive price points
- Extensive array of insurance coverage
- Policy for energy-efficient replacement options ✓
- Varied customer appraisals
- The processing of claims is frequently slow
- Depends on agents in the vicinity. ✘
Cheapest
Key Statistics
Why We Like Them
⇅Farmers has gained recognition as a leading provider for bundling home and auto insurance in South Carolina, largely due to its affordability. Its premiums are significantly lower than many competitors, making Farmers a strong choice for South Carolina residents seeking comprehensive coverage without breaking the bank.
The bundling option can save customers an average of 20%, further increasing its affordability. Beyond its competitive rates, Farmers Insurance offers extensive coverage and valuable savings opportunities. Their customizable coverage options allow South Carolina residents to tailor their policies to their specific needs, including dwelling coverage, personal property coverage, liability, and additional living expenses for homeowners, alongside comprehensive, collision, and liability coverage for vehicles.
Farmers also provides a variety of discounts based on policy and location, giving customers multiple ways to maximize their savings. Securing your assets with a reputable insurance company offering low rates for bundling home and auto insurance in South Carolina is a strategic choice. This not only consolidates your protection under one trusted provider but also opens the door to significant savings and simplifies policy management
Benefits & Drawbacks
⇅- Various ways to save money
- Flexible insurance plans for home and auto.
- Economic bundle price ✓
- The quality of service isn't always consistent.
- Limited online features
- More costly insurance for high-risk individuals behind the wheel. ✘
Best For Add-Ons
Key Statistics
Why We Like Them
⇅Nationwide stands out in South Carolina as a preferred choice for bundle insurance due to its wide array of add-on options. Homeowners can benefit from smart home discounts, resulting in significant savings. The company’s bundles also include term life and pet insurance, ensuring comprehensive coverage across various life aspects.
Designed to enhance protection and convenience, the add-ons include rental coverage to protect customers if they need to temporarily relocate due to a covered loss. Additionally, bundling home and auto insurance can lead to savings of up to 20%, making Nationwide a comprehensive and budget-friendly option.
When selecting home and auto insurance, it’s essential not to settle for just basic coverage. Seeking a bundle with extensive add-ons allows you to tailor your policy according to your needs, providing protection beyond the standard offering. Additional features, such as roadside assistance or flood coverage, can be lifesavers during unexpected emergencies
Benefits & Drawbacks
⇅- Valued for its exceptional customer service standards.
- More than 10 add-ons for enhanced coverage
- Bundle now and save 20%. ✓
- Simple online constraints
- Their prices are less competitive than others in the market.
- Banking on local agents ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Opting for GEICO for bundled insurance in South Carolina is a great strategy for maximizing savings on your home and auto insurance policies. One of the primary benefits 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.
GEICO also provides discounts to students, military members, and federal employees, appealing to a diverse range of customers. Beyond the significant discounts offered through bundling, GEICO provides various other savings opportunities. For example, insuring multiple cars with GEICO could yield discounts of up to 25% on many of your auto insurance coverages. Additionally, GEICO offers membership, organizational, or employee discounts that further increase your savings potential.
The financial perks of bundling home and auto insurance in South Carolina clearly demonstrate value. A company that offers a variety of discounts not only reduces your expenses but also shows a commitment to customer satisfaction. Each discount, whether it’s a multi-policy benefit, a claims-free incentive, or a loyalty reward, contributes to a significant reduction in your overall premium
Benefits & Drawbacks
⇅- Unmatched online usability for users
- Fair fees
- Various policy cost savings ✓
- There were reports of dissatisfaction with the service provided to customers.
- Unexpected rises in prices can happen.
- Meager local office count ✘
Cheapest Home And Auto Insurance Bundles In South Carolina 2025
The cheapest bundle is offered by State Farm in South Carolina, at $2,811 per year.
| Company | Annual Premium |
| Auto-Owners | $3,173 |
| Travelers | $5,549 |
| State Farm | $2,811 |
| Allstate | $3,452 |
Biggest Home And Auto Bundle Discounts In South Carolina
If you live in South Carolina, bundling your insurance policies can save you $350 per year, on average. State Farm offer the biggest bundle discount, at 28%. On the other hand, Auto-Owners provide the smallest discount, at 15%.
Something you should keep in mind, just because an insurance company has a big discount, it doesn’t mean they will be your cheapest option. You should shop around and compare quotes from different insurance carriers.
| Company | Discount |
| Allstate | 16% |
| Travelers | 13% |
| State Farm | 28% |
| Auto-Owners | 15% |
Cheapest Non-Bundle Combinations In South Carolina
Sometimes, it’s actually cheaper to keep your insurance policies un-bundled.
The cheapest non-bundled combination in South Carolina can be found by mixing State Farm’s auto policy with Allstate’s home insurance policy, this comes to $1,957 per year.
| Auto Insurance Company | Home Insurance Provider | Annual Premium |
| Nationwide | State Farm | $2,476 |
| Travelers | State Farm | $2,490 |
| State Farm | Nationwide | $3,968 |
| Allstate | Nationwide | $4,040 |
| State Farm | Allstate | $1,957 |
| Nationwide | Allstate | $2,054 |
| Travelers | Allstate | $2,066 |
| Allstate | State Farm | $2,455 |
How To Bundle Home & Auto Insurance
Follow these steps to simplify the bundling of your auto and home insurance
Determine Your Coverage Needs
The initial step in combining your home and auto insurance is to clarify your coverage needs. Assess the value of your home and vehicle, determine the level of protection necessary, and consider any specific requirements based on your personal situation or location. This step is crucial for ensuring you receive a comprehensive insurance bundle.
Gather Information About Your Home And Vehicle
Once you’ve figured out your coverage requirements, gather all essential information about your car and home. This includes the age and condition of your house, security features installed, the make and model of your vehicle, your driving history, and any other relevant details. This information is necessary for insurance companies to provide you with accurate quotes.
Compare Quotes From Different Insurers
Once you’ve compiled all necessary information, it’s time to start seeking quotes from different insurance providers. You can either do this online or by contacting an insurance agent. It’s vital to gather quotes from several companies to ensure you’re getting the best deal. While comparing, focus on the prices as well as the coverage specifics and any exclusions.
Review Each Offer Thoroughly
Once you have collected multiple quotes, be sure to examine each offer carefully. Look at the coverage specifics, deductibles, policy limits, and any additional perks included in the package. Additionally, consider the insurer’s reputation, customer service performance, and their claims handling process.
Make Your Purchase
Once you’ve reviewed the offers and selected the bundle that best fits your needs, it’s time to proceed with the purchase. Ensure you read the policy documents thoroughly before signing. After you purchase, keep your insurance documents in a safe location, and make it a point to review your policies each year to ensure they still meet your needs.
Reasons You Should Bundle Your Insurance In South Carolina
There are numerous benefits to bundling your insurance policies. Here are some key advantages to consider
Major Savings On Premiums
Bundling your home and auto insurance can lead to significant savings on premiums. According to Experian, you could save up to around 25% when you combine your insurance policies, as insurers often provide discounts for customers with multiple forms of coverage.
Simplified Management Of Insurance
Another key benefit of bundling is the convenience it offers. Managing several policies from different insurers can be a hassle, with multiple bills and renewal dates. Bundling simplifies this process, reducing paperwork and minimizing the hassle of dealing with different insurance companies.
Improved Customer Service Experience
A significant yet often overlooked advantage of bundling your home and auto insurance is the enhanced customer service experience it can deliver. By bundling, you become a more valued customer to the insurer, often resulting in better and more streamlined service when you need to file a claim or seek assistance.
Reasons Not To Bundle Your Insurance In South Carolina
Bundling your insurance isn’t always the best decision. Here are some drawbacks to consider
Potential For Higher Premiums
Although bundling can save money, it could also result in higher rates. An insurer might offer competitive auto rates while lacking affordability for home insurance, causing you to pay more for one policy than necessary.
Limited Flexibility
Bundling your policies may restrict your options for coverage. Different insurers excel in different areas, and by bundling, you might miss out on getting the best coverage from various companies.
Risk Of Ignoring Better Offers
Bundling can lead to complacency, making it easy to overlook better deals from other providers. If you’re satisfied with your bundled insurance, you might not explore other options at renewal time, potentially missing out on significant savings or improved coverage.
Average Home And Auto Insurance Rates In South Carolina – By City
| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate Of Bundled Policies |
| Aiken | $109 | $192 | $298 |
| Columbia | $132 | $182 | $310 |
| Anderson | $118 | $216 | $340 |
| Fort Mill | $114 | $200 | $315 |
Compare Insurance Bundle Rates In South Carolina To Other States
| State | Annual Rate |
| New York | $3,728 |
| Texas | $2,966 |
| Pennsylvania | $4,311 |
| Michigan | $2,483 |
| Florida | $3,629 |
Our Methodology
Our pursuit of delivering precise and trustworthy insurance company ratings is supported by a comprehensive methodology. We review a wide array of insurance providers, drawing insights from respected review platforms. Key metrics from industry authorities such as A.M. Best and J.D. Power also inform our evaluations. With my 15 years of experience as an insurance agent, I add valuable practical knowledge to our analysis. This careful approach guarantees that our ratings are well-informed and reliable, guiding you in your insurance decision-making.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
How much can I save with bundled insurance?
Bundling your insurance can lead to noteworthy discounts, often ranging from 10% to 25% off each policy. Nonetheless, the actual savings will depend on various factors, including your insurance provider, your location, and the particulars of your policies.
Which insurance policies can I bundle together?
The most typical insurance bundle combines home and auto coverage, offering extensive protection for both your home and vehicles. However, some providers also permit bundling additional policies like renters, condo, boat, motorcycle, and life insurance.
Who offers the best insurance bundle policies?
As a standout provider of insurance bundles, State Farm consistently achieves excellent customer ratings and has been recognized with various industry accolades.
