RateRoots Auto Insurance Marketplace
Bundle home & auto — save up to 25%
One carrier, one renewal, one bill. Most homeowners save $400–$1,200/yr by combining policies.
Free • No SSN required • Licensed carrier partners
Bundle discounts by carrier
2026 benchmark multi-policy discounts. Actual savings vary by state and underwriting tier.
| Carrier | Bundle discount | Notable bundle perk |
|---|---|---|
| Allstate | Up to 25% | Combined deductible on shared claims |
| State Farm | Up to 17% | Single dedicated agent for both policies |
| Travelers | Up to 13% | Eligible for green-home credits on bundle |
| Farmers | Up to 20% | Signal app discount stacks with bundle |
| Liberty Mutual | Up to 12% | Single deductible on shared events |
| Nationwide | Up to 20% | SmartRide telematics stacks |
When bundling is NOT the right move
- •You live in a high-risk wind, wildfire, or hail zone where specialty home carriers price aggressively below bundled carriers.
- •You have a teen driver and a clean homeowner — separating auto to a non-standard carrier may be cheaper than a bundled standard carrier.
- •Your home insurer just had a rate hike of 15%+ but your auto carrier didn't — bundling may lock in the home rate.
The right test: get one bundled quote and two best-standalone quotes (one home, one auto). Pick the lower total.
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Drivers can save an average of $847/year. See your rates from top carriers.
Frequently asked questions
Most carriers offer a 5–25% multi-policy discount. The largest discounts (Allstate, State Farm, Travelers, Farmers) often hit 20%+ on the home side and 8–15% on auto, for combined savings of $400–$1,200/year on a typical homeowner.
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