Auto insurance

Best home and auto insurance packages in 2022

Auto Insurance Highlights

Erie auto insurance automatically includes additional coverages. These are:

  • Sorry for the first accident
  • windshield repair
  • Pet injury coverage
  • Locksmith Services

You can also choose from add-ons such as New Car Replacement, Rental Car Coverage, or Erie Auto Plus.®which includes coverage upgrades.

Home Insurance Highlights

Erie home insurance highlights include:

  • Guaranteed replacement cost
  • Sump Water Discharge and Overflow Cover
  • Identity recovery
  • Utility service line protection

Advantages and disadvantages of Erie

3. United States of America

Bundled home and auto discount: Up to 10%

BBB rating: Unclassified

Satisfaction rating in our consumer survey: 4.3 out of 5.0

While USAA only offers up to 10% off for bundling home and auto coverage, we found that its base rates tend to be cheap on average. Our estimates show that USAA auto insurance is about 39% cheaper than the national average, for example.

In addition to offering inexpensive car insurance, USAA also has an excellent reputation for customer service. The company marked 890 points out of 1000 in the JD Power 2022 US Auto Claims Satisfaction Study℠ and 893 out of 1,000 in the JD Power 2022 US Property Claims Satisfaction Study℠.

USAA is available to military personnel, veterans, and their immediate family members. If you qualify, it’s a good idea to get a USAA home and auto insurance quote.

Auto Insurance Highlights

USAA auto insurance highlights include:

  • Discounts for military deployment and garage of a vehicle on the base
  • Rent reimbursement and roadside assistance
  • Usage-based SafePilot® program

Home Insurance Highlights

USAA also offers a good selection of home insurance coverage options, such as:

  • Full replacement cost of personal items
  • military uniform blanket
  • Home Sharing Coverage
  • Identity theft protection

Advantages and Disadvantages of USAA

4. Geico

Bundled home and auto discount: Varied

BBB rating: A+

Satisfaction rating in our consumer survey: 4.1 out of 5.0

Geico is another of the best home and auto insurance bundling options available nationwide. Although the company does not disclose an exact discount for the bundle, we have found Geico’s home and auto insurance rates to be affordable on average.

According to our rate estimates, Geico auto insurance costs about 24% less than the national average. Our team also compared home insurance quotes and found rates of $77 per month at Geico, which was cheaper than eight other major insurers.

Auto Insurance Highlights

Geico car insurance highlights include:

  • Reimbursement of rent
  • Emergency Road Service
  • Mechanical breakdown insurance
  • Usage-based DriveEasy program

Home Insurance Highlights

Highlights of Geico home insurance policies include:

  • Additional living expenses or loss of use coverage
  • Coverage for property damage and personal property
  • Discounts for having a home security system or fire extinguishers

Advantages and disadvantages of Geico

Our review team contacted Geico for comment on their reviews but did not receive a response.

5. State Farm

Bundled home and auto discount: Varied

BBB rating: A+

Satisfaction rating in our consumer survey: 4.2 out of 5.0

State Farm is the nation’s largest insurance provider, and many people choose to bundle home and auto insurance with the company. According to the National Association of Insurance Commissioners (NAIC), State Farm wrote over $70 billion in insurance premiums for all types of coverage in 2021.

Like Geico, State Farm does not list a discount percentage for bundling. But we’ve found it offers low rates on average, which is why bundling home and auto with State Farm may be worth it. The provider offers a range of insurance products that apply to many needs.

Auto Insurance Highlights

State Farm auto insurance highlights include:

  • Drive Safe & Save™ and Steer Clear usage-based programs®
  • Good student discount up to 25%
  • Carpooling insurance
  • Emergency Road Service

Home Insurance Highlights

State Farm home insurance highlights include:

  • Customizable coverage limits
  • Discounts on home security and roofing
  • Special limits for watercraft, cash, firearms and trailers

Advantages and disadvantages of State Farm

Our review team contacted State Farm for a comment on their reviews, but did not receive a response.