Best Home And Auto Insurance Bundles In Georgia 2025

Having bundled home and auto insurance with different companies, my experience shows that State Farm stands out as the best overall option for Georgia residents. It offers a strong combination of affordability, customer service, and one of the biggest multi-policy discounts in the state, averaging 27% off when you bundle.

We’ve saved shoppers an average of $450 per year on their home insurance.

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Updated: 03 April 2025
Written by Bob Phillips
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Are you in Georgia and searching for affordable home and auto insurance bundles? With over 15 years of experience as an insurance agent, I’ve helped many clients save thousands by choosing the right provider. Georgia’s insurance costs are high—home insurance averages 22% above the national rate, and auto coverage often exceeds $3,000 per year.

In this guide, I’ll walk you through the most affordable and top-rated bundle options using comparison data, real customer feedback, and my personal insights—so you can protect your home and vehicle without overpaying.

Best Home And Auto Bundle Insurance In Georgia, 2025

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Best Overall - State Farm
allstateicon-logo
Best Runner-Up - Allstate
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Cheapest - Farmers
Best Bundle Insurance, Georgia, 2025

Compare The Best Home And Auto Bundles In Georgia

Overall Rating Best For A.M. Best Rating J.D. Power Rating Average Bundle Cost Get A Quote
State Farm
4.9

Overall

A++

838

$3,603

Instant Quote
Allstate
4.8

Runner-Up

A+

809

$3,010

Instant Quote
Farmers
4.5

Cheapest

A

813

$2,840

Instant Quote
Nationwide
4.7

Add-On Captions

A+

797

$4,015

Instant Quote
GEICO
4.6

Discounts

A++

801

$3,598

Instant Quote
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Best Home And Auto Insurance Bundles in Georgia 2025


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

State Farm is distinguished as the top provider of home and auto insurance in Georgia due to its outstanding financial strength and competitive pricing. A.M. Best and S&P Global Ratings have given State Farm high ratings, confirming its solid financial standing. This financial stability ensures that State Farm policyholders can rely on the company to meet their obligations promptly. Moreover, State Farm offers annual rates that are cheaper than average for a wide range of drivers, making it a financially advantageous choice for Georgia residents.

Beyond its solid financial standing and competitive pricing, State Farm distinguishes itself with a broad array of coverage options and personalized service. Whether you’re seeking auto, homeowners, or life insurance, or basic coverage for vehicles such as ATVs or RVs, State Farm offers tailored solutions to meet diverse needs. Furthermore, their community-driven approach ensures accessible support, allowing you to personalize your insurance quote online or connect with a nearby agent.

State Farm is recognized as the best in Georgia, largely due to its commitment to providing exceptional customer experiences. Achieving a notable rating of 838 from J.D. Power reflects State Farm’s consistent ability to exceed policyholder expectations and ensure strong customer satisfaction.

Finding the right home and auto bundle insurance company in Georgia is key to your financial safety. A good insurer provides complete protection for your home and car, your most valuable assets. By bundling your policies, you can enjoy significant savings, easier insurance management, and the convenience of one provider.

Benefits & Drawbacks

Benefits
  • Cost-effective when bundled
  • Great customer service
  • Financial stability
Drawbacks
  • No gap insurance
  • Claims can be slow
  • Few available discounts

Best Runner-Up

Overall Rating
4.8

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

When it comes to bundling home and auto insurance in Georgia, Allstate stands out for its competitive pricing. Allstate offers significant savings through its bundle discounts, with Georgia residents able to save up to 25% when they bundle their home and auto policies.

Allstate offers a unique product called HostAdvantage home-sharing insurance, which provides additional coverage for homeowners renting out their homes. The company also rewards customers with a good payment history through its Responsible Payment Discount. While customer satisfaction ratings are mixed, Allstate’s affordable prices and great coverage options make it a strong contender for home and auto bundle insurance in Georgia.

Securing your assets by bundling home and auto insurance with a reputable Georgia company is a smart move. This decision consolidates your protection with a single trusted provider, leading to substantial savings, easier policy management, and efficient claims processing. A top-rated insurer ensures quick and fair claim settlements, along with excellent customer support, providing you with peace of mind.

Benefits & Drawbacks

Benefits
  • Competitive pricing
  • Broad range of coverage options
  • Energy-efficient replacement coverage
Drawbacks
  • Mixed customer ratings
  • Lengthy claims processing
  • Reliance on local agents

Cheapest

Overall Rating
4.5

Key Statistics

10/10 Affordability
7/10 Customer Reviews
7/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

For Georgia residents, Farmers is the most affordable choice for bundling home and auto insurance. Its premiums are much lower than those of many other companies, offering comprehensive coverage without straining your budget. Additionally, Farmers’ bundling option can save customers an average of 20% on their policies, making it even more budget-friendly.

Beyond competitive pricing, Farmers Insurance offers outstanding coverage and ample savings opportunities. Georgia residents can customize their policies with comprehensive options such as dwelling, personal property, liability, and additional living expenses coverage for homes, and comprehensive, collision, and liability coverage for cars. Farmers also provides numerous discounts based on policy and location, helping customers save in multiple ways.

Choosing an insurance company known for low rates when bundling home and auto insurance in Georgia is a strategic move. This decision consolidates your coverage with one trusted provider, saves you significant money, and simplifies policy management.

Benefits & Drawbacks

Benefits
  • Many discount options
  • Wide array of coverage choices for home and auto
  • Lowest bundle premium rates
Drawbacks
  • Customer service may be uneven
  • Limited online functionality
  • Higher rates for high-risk drivers

Best For Add-Ons

Overall Rating
4.7

Key Statistics

7/10 Affordability
9/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In Georgia, Nationwide is a preferred choice for bundle insurance, thanks to its extensive add-on options. These include smart home discounts, which can save tech-savvy homeowners a lot. Nationwide also offers term life and pet insurance in its bundles, providing broader coverage for customers.

Nationwide provides add-ons for added protection and convenience, like home rental coverage for temporary relocations due to covered losses. Additionally, bundling home and car insurance can save up to 20%, making Nationwide a cost-effective and comprehensive option.

Opting for only basic home and auto insurance coverage may not be adequate. Look for a bundle that includes numerous add-ons to ensure comprehensive protection. These extras enable you to tailor your policy to your individual needs, going beyond the standard coverage. Roadside assistance for your car or flood protection for your home could be vital in emergencies.

Benefits & Drawbacks

Benefits
  • Noted for superior customer service
  • Offers more than 10 coverage add-ons
  • 20% savings when bundling
Drawbacks
  • Limited online features available
  • Not the lowest pricing around
  • Local agents are a key component

Best For Discounts

Overall Rating
4.6

Key Statistics

9/10 Affordability
7/10 Customer Reviews
7/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Choosing GEICO for bundled insurance in Texas can help you save on both home and auto policies. GEICO offers a multi-policy discount that automatically applies when you combine auto insurance with coverage for homeowners, renters, condos, or mobile homes. Furthermore, GEICO extends discounts to students, military members, and federal employees, making it a versatile option for various customers.

GEICO doesn’t just offer substantial discounts on bundled insurance; it also provides various other opportunities for savings. For instance, you could save up to 25% on your car insurance coverages by insuring multiple vehicles with GEICO. Additionally, GEICO provides discounts based on memberships, organizations, or employment, further increasing your savings.

Combining home and auto insurance in Georgia can provide considerable financial savings. When a company offers various discounts, it not only lessens your financial burden but also indicates its commitment to customer service. Discounts for multi-policy, claims-free, and loyalty contribute to a significant drop in your annual premium.

Benefits & Drawbacks

Benefits
  • Excellent online customer experience
  • Competitive pricing
  • Many discounts on policies
Drawbacks
  • Reports of customer service dissatisfaction
  • Rates can sometimes increase without notice
  • Limited number of local branches

Cheapest Non-Bundle Combinations In Georgia

Bundling isn’t always the most affordable option. In some cases, you might find lower overall rates by purchasing your auto and home insurance from different providers. For example, combining a State Farm auto policy with a Nationwide home policy averages $3,516 per year—less than some bundled packages.

Here are some of the most cost-effective non-bundled combinations in Georgia:

Auto Insurance Company Home Insurance Provider Annual Premium
State Farm Nationwide $3,516
State Farm Allstate $3,759
Nationwide State Farm $4,534
Allstate State Farm $4,450
Nationwide Allstate $3,639
Allstate Nationwide $3,312

If you’re willing to manage two separate policies, these combinations could offer better value than a bundled plan—especially if you already prefer one insurer for either your home or auto.

Average Home And Auto Insurance Rates In Georgia – By City

Insurance costs in Georgia can vary widely depending on where you live. Urban areas like Atlanta typically have higher rates due to more traffic and increased claims risk, while cities like Valdosta or Columbus tend to be more affordable.

Below are the average monthly costs for home insurance, auto insurance, and bundled policies in several major Georgia cities:

City Avg. Monthly Home Insurance Rate Avg. Monthly Auto Insurance Rate Avg. Monthly Rate Of Bundled Policies
Atlanta $190 $193 $242
Augusta $185 $145 $217
Columbus $201 $149 $208
Savannah $252 $157 $229
Athens $159 $140 $200
Sandy Springs $170 $186 $233
Roswell $165 $143 $229
Johns Creek $162 $175 $233
Albany $183 $134 $213
Warner Robins $180 $144 $221
Valdosta $188 $116 $208

If you’re in a high-cost city like Savannah or Atlanta, a home and auto bundle can make a big difference—often saving $50–$100 per month compared to separate policies.

Reasons to Bundle Home and Auto Insurance in Georgia

Bundling your home and auto insurance policies in Georgia can offer both financial and practical advantages. Here are some of the most important reasons why it might make sense:

1. Save on Premiums

One of the biggest benefits is cost savings. Georgia residents who bundle home and auto insurance typically save around 20% on their total premiums. Some providers, like Country Financial, offer additional perks such as single-deductible policies—if your home and car are damaged in the same event, you only pay one deductible instead of two.

2. Simplified Management

Handling two separate policies often means double the paperwork, billing, and account logins. Bundling streamlines everything—one company, one portal, one point of contact—making it easier to update your information, manage claims, or make payments.

3. Better Customer Service

Customers with bundled policies are often considered more valuable by insurers. As a result, they tend to receive faster claims processing, priority service, and more personalized support.

Reasons You Might Not Want to Bundle Home and Auto Insurance in Georgia

While bundling can offer great savings, it’s not always the best option. Here are a few drawbacks to consider before committing to a bundle in Georgia:

1. Higher Total Costs

Not all bundle deals result in savings. Some insurers offer competitive rates for auto insurance but higher-than-average rates for homeowners coverage. For instance, if your current separate policies cost $900 for home and $1,300 for auto (a total of $2,200), switching to a bundled policy might raise your home insurance premium, eliminating the savings.

2. Fewer Options and Less Flexibility

Bundling your policies with one insurer can limit your choices. You might lose out on better standalone discounts, more personalized coverage options, or stronger customer service from a competitor. Each company excels in different areas—bundling can force you to compromise on one policy.

3. Complacency at Renewal Time

When you’re locked into a bundle, it’s easy to stick with it out of convenience. But this complacency may cause you to overlook better deals or newer discounts from other insurers. In the long run, this could mean paying more for less.

How To Bundle Home & Auto Insurance

Here are five steps to bundling your auto and home insurance easily and efficiently:

Determine Your Coverage Needs

The initial step in bundling home and auto insurance is to understand your coverage needs. Assess the value of your home and vehicle, decide on the level of protection required, and consider any specific needs based on your location or personal situation. This initial evaluation is vital to getting the right bundle.

1

Gather Information About Your Home And Vehicle

When you’ve determined the type of coverage you need, collect all relevant information regarding your home and vehicle. This includes specifics such as your home’s age and condition, installed security features, the make and model of your car, your driving record, and other key details. Insurance companies will use this information to give you accurate quotes.

2

Compare Quotes From Different Insurers

After you’ve gathered all the necessary details, begin obtaining quotes from various insurers. This can be done online or by contacting an insurance agent. It’s important to gather quotes from multiple companies to find the best offer. Compare not just the prices but also the coverage terms and any exclusions.

3

Review Each Offer Thoroughly

After gathering multiple quotes, take the time to scrutinize each one. Examine the coverage details, deductibles, policy limits, and any additional benefits provided. Also, review the company’s reputation, customer service history, and their approach to handling claims.

4

Make Your Purchase

After going through all the offers and deciding on the bundle that meets your needs, make the purchase. Ensure you read the policy documents carefully before signing. Once you’ve bought the insurance, keep all related documents in a safe place and review your policies annually to ensure they still meet your requirements.

5

Biggest Home and Auto Bundle Discounts in Georgia

If you’re a Georgia resident looking to save with a home and auto insurance bundle, several providers stand out for their generous discounts and reliable service:

  • State Farm offers the largest bundling discount in Georgia, with savings of up to 27%. It’s a top choice for those prioritizing value and simplicity in managing multiple policies.
  • Country Financial provides average discounts of 19% for bundling. It’s a solid option for those who want personalized service through a local agent.
  • Allstate also offers bundling discounts around 19%, although the website may advertise slightly higher. Allstate is known for high marks in customer satisfaction and claims handling across Georgia.
  • Auto-Owners Insurance gives a 14% bundling discount, but often offers the lowest overall premiums even before discounts. While you can’t get a quote online and must work with an agent, its affordability and service make it a top contender.

Each of these companies brings unique strengths to the table — from digital convenience to agent-focused service — so consider what matters most to you before choosing a provider.

Our Methodology

We are dedicated to delivering precise and reliable insurance company ratings using a comprehensive methodology. This involves evaluating numerous insurers, gathering insights from reputable review sites, and considering critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, we enhance our analysis with firsthand knowledge, ensuring our ratings are trustworthy guides for your insurance decision-making process.

89

Quotes Analyzed

27

Brands Reviewed

30+

Research Hours

15+

Years Of Experience

FAQs

How much can I save with bundled insurance?

Bundling multiple insurance policies can lead to notable savings, generally ranging from 10% to 25% off each policy. The actual savings can vary based on your insurance provider, location, and the specific terms of your policies.

Which insurance policies can I bundle together?

Typically, the home and auto insurance bundle is the most common, covering your home and cars. But some insurance providers also offer bundles that include other policies, such as renters, condo, boat, motorcycle, and even life insurance.

Who offers the best insurance bundle policies?

State Farm excels in offering insurance bundles, earning top ratings from customers and several accolades within the industry.

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