How much does bundling home and auto insurance actually save you?

Insurance companies love the word "up to." Amica advertises up to 30% off for bundling. State Farm advertises up to $1,429 a year. Progressive says its new customers save "over 25% on average." None of those numbers are made up — they're the companies' own disclosed figures. But "up to" and "on average" are doing real work in those sentences, and the straight answer to "how much will bundling save me" is: it depends entirely on whether your specific carrier happens to price both your home and your car competitively — which only a side-by-side comparison actually tells you.

What "bundling" means

Bundling — also called a multi-policy or multiline discount — means putting two or more policies (typically auto and home, or auto and renters) with the same insurance company. Instead of shopping and paying for each policy separately, the insurer applies a discount to one or both policies for keeping your business together. It's one of the most common discounts in the industry, alongside things like paying in full or having a clean driving record, and it shows up on nearly every major carrier's discount list.

What the big carriers actually advertise

Here's what three major insurers disclose on their own bundling pages, as of this writing:

• State Farm's own bundling page cites $1,429 a year as the headline figure for combining auto and home insurance. That figure is footnoted as the "average annual per household savings based on a 2025 national survey by State Farm of new policyholders who reported savings by switching to State Farm" — in other words, it's a self-reported average among people who switched to State Farm, not a rate every existing customer should expect. State Farm separately cites 17% as its figure for adding a policy to an existing auto policy, and $900 for bundling renters with auto.
• Progressive says new customers who bundle home and auto "save over 25% on average," with auto alone averaging "5% ... in most states." Progressive's own footnote pins this to a national-average 12-month savings figure ($946 for auto, $1,086 for the bundle) among new customers surveyed between June 2024 and May 2025 — again, a specific, dated survey population, with the site's own caveat that "potential savings will vary" and the bundle discount "is not available in all states."
• Amica's own page cites a figure of 30% as the ceiling when you bundle auto, home, umbrella and life policies, while noting the exact savings depend on which policies you combine and where you live.

Line them up and you get a wide range — roughly 17% to 30%, or anywhere from a few hundred to over a thousand dollars a year — and that range is the point. Every one of these numbers comes from the carrier's own marketing page, based on that carrier's own customers, in that carrier's own footnoted time window. None of them tells you what you'd save with your home value, your car, your driving record, and your state.

Why the range is so wide

The Insurance Information Institute — an industry-funded but widely cited consumer-education nonprofit — lists bundling as a standard way to lower both homeowners and auto costs, but is direct about the caveat: discount availability and size "depend heavily on your state, insurer, and personal risk profile," not every insurer or state applies the discount to both policies equally, and bundling "does not always guarantee the cheapest overall combination." A carrier that's competitively priced on auto insurance in your state might be expensive on homeowners coverage for your specific house — and the bundle discount, even at its advertised maximum, may not close that gap.

In practice, your real savings depend on factors the marketing pages can't account for: your home's construction, age, and location; your driving record and vehicle; your state's insurance market; and how that one carrier happens to price each line relative to its competitors. Two neighbors bundling the same two policy types with the same company can land on meaningfully different discounts.

How to actually find your number

There's really only one reliable way to know what bundling saves you: price the bundle, then price the same coverage as separate policies — from the same carrier and from at least one or two competitors — and compare the totals. A large "up to" discount on a policy that was already priced high to begin with can still cost more than two separately shopped, competitively priced policies. Hold your coverage constant (same liability limits, same deductibles) so price is the only thing moving between comparisons.

A few practical questions worth asking whoever quotes you: - Does the discount apply to both policies, or just one? - What happens to the discount if you drop one of the bundled policies later? - Is this carrier's individual pricing on each line actually competitive, or is the bundle discount masking an above-market starting price?

The bottom line

Bundling home and auto insurance is a real, common discount — not a myth — and the carriers above back their advertised figures with their own disclosed (if self-reported) survey data. But "up to 30%" and "25% on average" describe other customers in a specific survey window, not a guarantee for your household. The only way to know your real number is to quote it both ways — bundled and separate — and let the total decide. For the coverage side of the equation, it's worth understanding what actually drives your car insurance premium, how your liability limits work, and what your homeowners policy does and doesn't cover before you price it out. Then hold coverage constant and compare your options against ClearValue's published comparison standard.

ClearValue Insure is an educational publisher and comparison resource — we don't sell, underwrite, or issue insurance policies. For an actual bundled quote or to confirm what discounts you qualify for, talk to a licensed agent or your insurer directly.