Best & Cheapest Home And Auto Insurance Bundles In Arizona 2025

Bundling your home and auto insurance policies with the same provider can lead to substantial savings. Many insurers in Arizona offer multi-policy discounts, helping residents reduce costs while simplifying policy management.

As a licensed insurance agent with over 15 years of experience, I’ve helped many Arizona homeowners and drivers find the right coverage at the best price. In this guide, I’ll share real premium data, customer reviews, and expert advice to help you compare your options.

Arizona’s average homeowners insurance premium is over $2,000 per year—11% higher than the national average—due in part to wildfire risk in high-rated protection zones like 8B. Meanwhile, the average cost of full coverage auto insurance in Arizona is about $1,600 per year.

If you live in a high-risk area or pay more than average for either policy, bundling your home and auto insurance may be one of the most effective ways to lower your overall premium.

Cheapest Home And Auto Bundles In Arizona

For Arizona residents looking to save, State Farm offers the most affordable home and auto insurance bundle, with an average annual premium of $2,492. That’s significantly lower than competitors, making it a top choice for budget-conscious policyholders.

Here’s how major insurers compare:

If you’re currently paying more than $2,500 for both policies combined, switching to a bundle could result in meaningful annual savings.

Biggest Home And Auto Bundle Discounts In Arizona

When it comes to bundling home and auto insurance in Arizona, State Farm leads with the highest average discount of 24%, followed closely by Farmers at 23%. Nationwide offers a respectable 16% discount, while Allstate trails with a 12% average discount.

These savings can add up quickly—especially for Arizona residents dealing with high home insurance premiums due to wildfire risk. If you’re shopping for a bundle, it pays to consider not just the rates, but also the discount percentage each company offers.

Cheapest Non-Bundle Combinations In Arizona

While bundling often leads to discounts, it’s not always the most affordable route. In Arizona, the lowest-priced non-bundled combination is a Travelers auto insurance policy paired with a Farmers home insurance policy, totaling $2,675 per year. This option can be especially attractive for homeowners who want to keep providers separate without overspending.

Reasons to Bundle Your Home and Auto Insurance in Arizona

Bundling your home and auto insurance policies can offer several advantages for Arizona residents:

1. Substantial Discounts on Premiums

Many insurers offer up to 25% in savings when you combine home and auto policies. In a state where homeowners insurance is rising due to wildfire risks, this kind of discount can meaningfully reduce your annual costs.

2. Easier Policy Management

Having a single insurer for both your home and car means fewer bills, fewer renewal dates, and one point of contact. This is especially helpful if you ever need to file a claim that involves both properties—such as damage caused by a wildfire or monsoon storm.

3. Better Customer Service and Loyalty Perks

Bundled customers are typically treated as higher-value clients. That often means faster claims processing, better support, and access to loyalty perks that single-policyholders don’t get.

Bundling in Arizona isn’t just about saving money—it’s about simplifying your insurance life while getting more value from your provider.

Reasons Not to Bundle Your Insurance in Arizona

Bundling your home and auto insurance policies can be convenient, but it’s not always the most cost-effective strategy. Here are some reasons to think twice before combining your coverage:

1. It May Actually Cost More

While bundling often leads to discounts, this isn’t guaranteed. One provider may offer excellent auto rates but overpriced home insurance. In such cases, the combined bundle rate could exceed what you’d pay with two separate providers.

2. Reduced Flexibility

Bundling locks you into a single insurer for both policies. This can limit your options, especially if you need specialized coverage—for example, wildfire protection or high-risk auto policies. You may also compromise on service quality if your insurer excels in one product but not the other.

3. Missed Opportunities to Save

Bundled discounts can give a false sense of security. If you stop shopping around at renewal time, you may miss better rates or superior coverage from other companies. Regularly comparing policies ensures you’re still getting the best value—even if you currently bundle.

Bundling isn’t a one-size-fits-all solution. If you value flexibility, need unique coverage, or find better deals through separate policies, keeping your insurance products with different providers may be the smarter move.

Average Home And Auto Insurance Rates In Arizona By City

Insurance premiums in Arizona can vary significantly based on the city. Here’s a breakdown of average monthly rates for home and auto insurance, along with estimated bundled policy rates:​

Note: The estimated bundled rates assume a discount when combining home and auto policies, though actual savings may vary based on the insurer and individual circumstances.​

These figures highlight the importance of comparing insurance rates in your specific city to find the most cost-effective coverage.

Most Expensive ZIP Codes In Arizona

Some areas in Arizona come with significantly higher insurance premiums due to increased risks like theft, accidents, or weather damage. ZIP code 85065 ranks as the most expensive in the state for bundling home and auto insurance, with an average annual premium of $5,301.

Cheapest ZIP Codes for Home and Auto Insurance Bundles in Arizona

While some parts of Arizona have higher insurance rates due to risk factors like crime and weather, others offer more affordable premiums. Below are the ZIP codes with the lowest average annual costs for bundled home and auto insurance in the state:

Biggest Home and Auto Bundle Discounts in Arizona

Arizona residents can access generous bundle discounts by combining home and auto policies with the same provider. While actual savings will vary based on your location and insurance profile, these companies offer the most competitive average discounts:

• State Farm – Offers the largest home and auto bundle discount in Arizona at 25%, alongside top-rated customer satisfaction and claims service.
• Farmers – Provides bundle discounts of up to 22% for Arizona residents.
• Nationwide – Offers an average discount of 13% on combined home and auto policies.
• Allstate – Gives an average discount of 11% for bundling home and auto insurance.