Best & Cheapest Car And Home Insurance Bundles In Ohio 2025
State Farm has consistently proven to be the best all-around option in Ohio. It offers the most competitive bundle rates and the largest multi-policy discounts, making it a top choice for affordability and coverage.
We’ve saved shoppers an average of $450 per year on their home insurance.
If you’re in Ohio and looking for the most affordable home and auto insurance bundles, you’re in the right place. As a licensed insurance agent with over 15 years of experience, I’ve helped hundreds of clients secure the right coverage at the best possible rates.
In this guide, I’ll walk you through the top home and auto bundle providers in Ohio. We’ll look at comparison charts, customer satisfaction ratings, and my own real-world experience to help you avoid common pitfalls and confidently choose the best insurer for your needs.
The average cost of full coverage auto insurance in Ohio is $1,596 per year, while the average homeowners insurance premium is $1,390 per year. But rates have been climbing — especially since 2023, when natural disasters and labor shortages pushed home insurance costs up by more than 22%.
With premiums continuing to rise, it’s more important than ever to take advantage of bundling discounts. This guide will show you how.
Best Home And Auto Insurance Bundles In Ohio, 2025
Compare The Best Home And Car Insurance Bundles In Ohio
| Overall Rating | Best For | A.M. Best Rating | J.D. Power Rating | Average Bundle Cost | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Overall |
A++ |
838 |
$1,510 |
Instant Quote |
| GEICO |
|
Discounts |
A++ |
801 |
$1,690 |
Instant Quote |
| Farmers |
|
Cheapest |
A |
813 |
$1,970 |
Instant Quote |
| Allstate |
|
Runner-Up |
A+ |
809 |
$1,602 |
Instant Quote |
| Nationwide |
|
Add-On Captions |
A+ |
797 |
$1,988 |
Instant Quote |
Best Car And Home Insurance Bundles in Ohio 2025
Best Overall
Key Statistics
Why We Like Them
⇅In Ohio, State Farm is esteemed as the best overall choice for home and auto insurance, due to its exceptional financial strength and competitive pricing. Both A.M. Best and S&P Global Ratings have awarded State Farm high ratings, confirming its strong financial condition. This assurance means policyholders can rely on State Farm to fulfill their obligations promptly. Moreover, State Farm offers annual premiums that are below average for many drivers, making it a cost-effective option for residents in Ohio.
State Farm’s top-ranking status is bolstered by its financial stability and affordability, as well as its comprehensive coverage options and personalized service. Whether you require auto, home, or life insurance, or coverage for recreational vehicles such as ATVs or RVs, State Farm provides tailored solutions to suit various needs. Additionally, their community-focused approach ensures local assistance, enabling you to customize your insurance quote online or contact a nearby agent directly.
State Farm’s commitment to delivering exceptional customer experiences is a key factor in its recognition as the best in Ohio. Achieving an impressive rating of 838 from J.D. Power reflects State Farm’s consistent ability to exceed policyholder expectations and ensure high levels of customer satisfaction.
Finding the top home and auto bundle insurance company in Ohio is important for your financial protection. The right insurer offers complete coverage to safeguard your most valuable assets – your home and car. By bundling these policies, you can achieve significant savings, streamline your insurance management, and enjoy the ease of dealing with one provider.
Benefits & Drawbacks
⇅- Attractive rates with bundle packages
- High-quality customer support
- Solid financial footing ✓
- No gap insurance
- Lengthy claims processing
- Limited discounts offered ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅When it comes to bundling home and auto insurance in Ohio, Allstate is an excellent option due to its competitive prices. Allstate offers significant savings through its bundle discounts, enabling Ohio to save up to 25% by bundling their home and auto policies.
One unique offering from Allstate is their HostAdvantage home-sharing insurance, which gives additional coverage for homeowners who rent out their homes. They also provide a Responsible Payment Discount to customers with a good payment history. Despite mixed customer satisfaction ratings, the low prices and great coverage options from Allstate make it a compelling choice for bundling home and auto insurance in Ohio.
Choosing to bundle home and auto insurance with a reputable company in Ohio is a smart move for securing your assets. This strategy consolidates your coverage under one trusted provider, leading to substantial savings, easier policy management, and efficient claims processing. A top-rated insurer ensures quick and fair claim settlements and excellent customer support, providing confidence and peace of mind.
Benefits & Drawbacks
⇅- Competitive pricing
- Numerous coverage options
- Energy-efficient replacement coverage ✓
- Mixed customer feedback
- Claims processing can be slow
- Relies on local agents ✘
Cheapest
Key Statistics
Why We Like Them
⇅In Ohio, Farmers is the most cost-effective option for bundling home and auto insurance. Its premiums are much lower than those of many competitors, providing comprehensive coverage without straining your budget. Moreover, bundling with Farmers can save customers an average of 20% on their policies, making it even more budget-friendly.
In addition to its low rates, Farmers Insurance provides top-tier coverage and significant savings. Ohio residents can tailor their policies with comprehensive options, including dwelling, personal property, liability, and additional living expenses coverage for homeowners, and comprehensive, collision, and liability coverage for auto insurance. Farmers also offers numerous discounts based on policy details and location, allowing customers to unlock multiple savings opportunities.
Choosing an insurance company with low rates for bundling home and auto insurance in Ohio is a wise move. This decision consolidates your coverage under one trusted provider, saves you significant money, and makes managing your policies simpler.
Benefits & Drawbacks
⇅- Many discount opportunities
- Broad coverage options for home and auto
- Lowest bundle premiums ✓
- Customer service can be inconsistent
- Limited online tools
- Higher rates for drivers with high risk ✘
Best For Add-Ons
Key Statistics
Why We Like Them
⇅As a premier choice for bundle insurance in Ohio, Nationwide stands out for its numerous add-on options. This includes smart home discounts, providing substantial savings for homeowners with smart home devices. Nationwide also offers term life and pet insurance as part of its bundles, ensuring comprehensive coverage.
Nationwide’s add-ons offer an extra layer of protection and convenience, like home rental coverage for temporary relocations after a covered loss. Additionally, customers can save up to 20% by bundling home and car insurance, making Nationwide a comprehensive and cost-effective choice.
Basic home and auto insurance coverage might not be enough for your needs. Find a bundle with numerous add-ons to get better protection. These extra features help you customize your policy, providing more than just basic coverage. Roadside assistance for your car or flood protection for your home can be crucial in unforeseen circumstances.
Benefits & Drawbacks
⇅- Known for high-quality customer service
- Features more than 10 coverage add-ons
- Save 20% by bundling ✓
- Limited online service capabilities
- Prices aren’t the most competitive
- Relies on local agents for support ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Using GEICO for bundled insurance in Ohio is an effective way to save on both home and auto policies. The multi-policy discount from GEICO is a key benefit, automatically applying when you combine auto coverage with homeowners, renters, condo, or mobile home insurance. GEICO also provides discounts for students, military personnel, and federal employees, making it a flexible option for diverse customer needs.
GEICO’s savings options extend beyond just bundled insurance discounts. For example, you might receive a discount of up to 25% on your car insurance coverages when you insure more than one vehicle with GEICO. Additionally, discounts are available through memberships, organizational affiliations, or employee status, giving you more opportunities to save.
Combining home and auto insurance in Ohio can lead to significant financial benefits. Companies providing multiple discounts reduce your financial burden and reflect a strong commitment to customer satisfaction. Discounts such as those for multi-policy, claims-free, and loyalty can contribute to a substantial decrease in your yearly premium.
Benefits & Drawbacks
⇅- Excellent digital access for customers
- Competitive rates
- Many policy discounts ✓
- Some complaints about customer service
- Prices might increase unexpectedly
- Limited local office network ✘
The Cheapest Non-Bundle Combinations In Ohio
While bundling home and auto insurance often leads to savings, it’s not always the cheapest option. In some cases, purchasing your home and auto policies from different insurers can result in lower total premiums.
Here are the cheapest non-bundled combinations in Ohio, based on average annual premium:
| Auto Insurance Company | Home Insurance Provider | Annual Premium |
| Travelers | Nationwide | $2,068 |
| Farmers | Nationwide | $2,231 |
| Travelers | State Farm | $2,199 |
| State Farm | Farmers | $1,758 |
| Nationwide | Travelers | $1,779 |
| Travelers | Farmers | $1,978 |
| Allstate | State Farm | $2,142 |
| Farmers | Travelers | $2,035 |
| State Farm | Travelers | $1,650 |
| Allstate | Travelers | $1,830 |
| Farmers | State Farm | $2,359 |
| Farmers | Allstate | $2,267 |
| Travelers | Allstate | $2,117 |
| Nationwide | Allstate | $2,012 |
| Allstate | Nationwide | $2,026 |
| State Farm | Nationwide | $1,847 |
| Nationwide | Farmers | $1,863 |
| State Farm | Allstate | $1,899 |
| Allstate | Farmers | $1,924 |
| Nationwide | State Farm | $2,096 |
If you’re not seeing savings from bundling, try mixing and matching providers. Some of the cheapest combinations in Ohio come from pairing State Farm auto insurance with Travelers or Farmers for home coverage.
Average Home And Auto Insurance Rates In Ohio By City
Home and auto insurance costs in Ohio can vary based on where you live. Urban areas with higher accident rates and repair costs tend to have more expensive premiums, while smaller cities often benefit from lower rates.
Below is a breakdown of the average monthly premiums for home insurance, auto insurance, and bundled policies in key Ohio cities:
| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate Of Bundled Policies |
|---|---|---|---|
| Columbus | $120 | $132 | $200 |
| Cleveland | $118 | $138 | $190 |
| Cincinnati | $115 | $129 | $180 |
| Toledo | $124 | $140 | $170 |
| Akron | $110 | $127 | $160 |
| Dayton | $130 | $142 | $180 |
| Parma | $109 | $115 | $170 |
| Canton | $106 | $120 | $160 |
| Youngstown | $115 | $127 | $150 |
| Lorain | $111 | $117 | $170 |
Even if bundling doesn’t seem like a huge discount at first glance, it can lead to better deductibles, simpler billing, and added loyalty perks — especially in higher-cost cities like Dayton and Columbus.
Reasons You Should Bundle Your Insurance Policies
Bundling your home and auto insurance policies with the same provider is one of the easiest ways to simplify coverage — and save money. Below are the key benefits for Ohio residents:
Significant Savings on Premiums
The biggest reason most people bundle? The discount. Bundling can save you up to 25%, which often makes it the largest single discount you can get from an insurer.
Example: If State Farm charges $2,200 for home insurance and $2,400 for auto, that’s $4,600 per year. A 26% bundle discount brings that down to just $3,480 — over $1,100 in savings.
Easier Policy Management
When you bundle, you can manage all your policies in one place — whether it’s through a website, mobile app, or local agent. That means:
- One bill
- One renewal date
- One place to file claims or update coverage
It’s also easier to set up autopay or adjust coverage levels across policies.
Improved Customer Service
Insurers often give bundled customers priority treatment. You’re seen as a high-value policyholder, which can translate into:
- Faster claims processing
- More personalized support
- Access to loyalty perks or exclusive service features
In Ohio, some insurers even offer dedicated claims reps for bundled policyholders.
Reasons You Should Not Bundle Your Insurance
Bundling can save you money — but it’s not always the best fit for everyone. Here are some reasons why you might want to keep your home and auto insurance policies separate in Ohio:
Not Always the Cheapest Option
While bundling often comes with discounts of 20%–25%, you might still pay more overall if one insurer only offers competitive rates on one type of policy.
Example: You might find a great homeowners rate with Company A and a low auto insurance rate with Company B. Separately, those rates (plus smaller discounts) could beat a bundle from a single provider.
You’re Less Likely to Shop Around
Bundling is designed to encourage automatic renewals. That convenience is great — until it leads to complacency. Over time, you could miss out on better coverage or pricing just because you didn’t recheck your options at renewal.
If you’re someone who likes to compare quotes every few years, bundling could work against your savings strategy.
Limited Flexibility & Specialized Coverage
Every insurer has strengths and weaknesses. One company may be great for car insurance but fall short in home coverage — or not offer specialized policies like:
- High-risk auto coverage
- Customizable deductibles
- Flood, wind, or wildfire endorsements (especially important in rural Ohio)
By bundling, you could sacrifice access to niche features or lower deductibles available elsewhere.
How To Bundle Home & Auto Insurance
Here are five steps to bundling your auto and home insurance easily and efficiently:
Determine Your Coverage Needs
The initial step in bundling your home and auto insurance is understanding your coverage needs. Evaluate the value of your home and vehicle, determine the protection level required, and consider specific needs based on your location or personal situation. This step ensures you get a bundle that provides adequate protection.
Gather Information About Your Home And Vehicle
After deciding on your coverage needs, gather all the pertinent information about your home and vehicle. This includes information such as the age and condition of your home, security features, your car’s make and model, your driving history, and other relevant details. Insurance providers will use these details to provide you with accurate quotes.
Compare Quotes From Different Insurers
Once you’ve assembled all the necessary information, begin shopping for quotes from different insurers. You can do this online or by contacting an insurance agent. To ensure you’re getting the best deal, gather quotes from several companies. When comparing, consider both the price and the specifics of the coverage, including any exclusions.
Review Each Offer Thoroughly
After obtaining a number of quotes, take time to review each one in detail. Consider the coverage specifics, deductibles, policy limits, and any added benefits. Additionally, assess the insurer’s reputation, their customer service, and their claims handling process.
Make Your Purchase
Once you’ve gone through all the offers and decided which bundle is right for you, go ahead and make the purchase. Be diligent in reading the policy documents before signing. After you’ve completed the purchase, store all your insurance documents safely and review your policies annually to ensure they still fulfill your requirements.
Biggest Home And Auto Bundle Discounts In Ohio
The biggest discounts come from a handful of companies. State Farm has the highest level of discounts available, but companies like Grange Mutual and American Family which offer an average of 13% off respectively have the cheapest prices throughout the state for both auto and home insurance.
- State Farm: The average discounts in Ohio for bundling are 26%.
- Allstate: Allstate discounts policies by 19% in Ohio.
- Nationwide: Nationwide offers an 18% discount for Ohio residents.
- American Family: American Family gives a 16% discount for bundling.
- Farmers: Farmers Insurance discounts premiums by 16% when bundled.
- Auto-Owners: Auto-Owners offers Ohio residents a 13% discount for bundling.
- Grange Mutual: Grange Mutual gives a 12% discount.
- Travelers: Travelers offers an average of 11% for those who bundle in Ohio.
Our Methodology
To ensure accurate and trustworthy insurance company ratings, we employ a detailed methodology. We assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, we enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
What type of insurance can I bundle?
In Ohio you can bundle more than just your car and home insurance although these are the two most common. You can also combine coverage for motorcycle insurance, RV insurance, boat insurance, and in some cases renters or life insurance.
Can I cancel a single policy and a bundle?
Yes, you can cancel just one of your insurance products even if they are bundled together. If, for example, you have home and auto insurance under the same package you can cancel your auto insurance if you no longer need it or find better coverage elsewhere, and keep your home insurance. However, that does risk losing any bundle related discounts.
Can I bundle insurance if I’m not married?
Yes, if you are an unmarried couple you can still share your car insurance in most cases and bundle that car insurance with your homeowners insurance or other eligible insurance product.
