Best Car Insurance Companies for Homeowners in 2025
If you’re a homeowner shopping for car insurance, you’re in a powerful position to save. Many insurers offer significant bundling discounts when you combine home and auto policies sometimes up to 25% or more. Beyond the savings, bundling simplifies your finances and often comes with better coverage perks.
But not all insurance companies offer the same value when it comes to bundling. In this 2025 comparison, we’ll break down the best car insurance companies for homeowners, based on features, pricing, customer service, and bundling deals worth your attention.
1. State Farm – Best Overall for Homeowners
Why it stands out:
State Farm remains a top pick in 2025 for its reliable claims service, strong bundling discounts, and wide agent network.
Key Benefits:
- Up to 17% bundling discount for combining home and auto
- Local agents who can help customize both policies
- Consistently high marks in J.D. Power’s customer satisfaction rankings
- Highly rated mobile app for managing policies
Average bundled premium (home + auto):
Around $2,100/year, depending on location and coverage limits.
Homeowner perks:
- One deductible for both policies in the event of the same claim (e.g., storm damages car and roof)
- Strong underwriting for newer homes with security systems
Best for:
Homeowners who prefer in-person service and rock-solid reliability.
2. Progressive – Best for Customization and Digital Tools
Why it stands out:
Progressive leads in digital features and pricing transparency, making it ideal for tech-savvy homeowners.
Key Benefits:
- Save an average of 20% or more by bundling
- Name Your Price® tool helps tailor coverage to your budget
- Snapshot® program rewards safe drivers
- Multi-policy discounts extend to other types (motorcycle, RV, etc.)
Average bundled premium (home + auto):
Around $1,850–$2,400/year, depending on location and usage.
Homeowner perks:
- Smart home discounts for security systems
- Generous accident forgiveness options
Best for:
Homeowners who like managing policies online and want deep customization.
3. Allstate – Best for Perks and Loyalty Rewards
Why it stands out:
Allstate offers solid bundling savings with extra policyholder benefits, including deductible rewards and claim-free bonuses.
Key Benefits:
- Up to 25% off when bundling home and auto
- Drivewise® program helps safe drivers earn cashback
- Claim Rateguard® keeps premiums stable after an accident
- Homeowners can qualify for Protective Device Discounts
Average bundled premium (home + auto):
Approximately $2,200/year, with potential for cashback through rewards.
Homeowner perks:
- Diminishing deductible for every claim-free year
- 24/7 roadside assistance available with most auto policies
Best for:
Homeowners who want rewards and long-term savings for safe behavior.
4. Liberty Mutual – Best for Flexible Coverage Options
Why it stands out:
Liberty Mutual gives homeowners room to tailor their policies with optional add-ons and strong discount potential.
Key Benefits:
- Bundling discount of up to 25%
- Optional add-ons like replacement cost coverage and accident forgiveness
- Intuitive quote tool that helps pair home and auto quickly
- Multi-policy savings available even with renters insurance
Average bundled premium (home + auto):
Typically between $2,000–$2,400/year, depending on coverage selections.
Homeowner perks:
- Enhanced coverage for valuable personal property
- Discounts for smart home features and newer construction
Best for:
Homeowners who want more control over every aspect of their policy.
5. Nationwide – Best for Long-Term Stability
Why it stands out:
Nationwide is known for strong customer support and On Your Side® Reviews that help policyholders keep their coverage current and cost-effective.
Key Benefits:
- Up to 20% off for bundling auto and home
- Vanishing Deductible® for safe driving
- Insurance review every renewal period to assess changing needs
Average bundled premium (home + auto):
Around $2,100–$2,300/year
Homeowner perks:
- Discounts for newly purchased homes and protective devices
- Extended replacement cost options on home insurance
Best for:
Homeowners who want dependable support and policy check-ins.
Comparison Table: Best Car Insurance for Homeowners (2025)
| Company | Avg. Bundled Premium | Max Bundling Discount | Best Feature | Customer Service Rating |
|---|---|---|---|---|
| State Farm | $2,100/year | 17% | Local agents, dependable claims | Excellent |
| Progressive | $1,850–$2,400/year | 20%+ | Digital tools & custom pricing | Very Good |
| Allstate | $2,200/year | 25% | Rewards for loyalty and safe driving | Very Good |
| Liberty Mutual | $2,000–$2,400/year | 25% | Wide add-on flexibility | Good |
| Nationwide | $2,100–$2,300/year | 20% | Personalized annual coverage reviews | Excellent |
Note: Prices vary based on state, credit score, vehicle type, claims history, and home value.
Key Takeaway: Combine Coverage, Not Headaches
If you’re a homeowner looking to simplify your insurance and save money bundling your auto and home policies with one provider is a smart move. Not only do you unlock discounts, but you also streamline your billing, claim process, and service touchpoints.
Just make sure to:
- Compare quotes with identical coverage levels
- Ask about bundling perks beyond price (like one deductible, digital access, and loyalty rewards)
- Choose a company that aligns with your service preferences (local agent vs. online self-service)
Want to learn how to maximize your savings and protection?
Read next: How Bundling Home and Auto Insurance Can Save You Thousands
