Best & Cheapest Home And Insurance Bundles In New York 2025

Bundling your home and auto insurance is one of the easiest ways to save on coverage — and in New York, those savings matter. With average full coverage auto insurance nearing $4,000 per year, and homeowners insurance averaging $1,700, New Yorkers face some of the highest combined premiums in the country.

Fortunately, bundling both policies with the same provider can lead to significant savings. Allstate offers the cheapest home and auto bundle in New York, with rates starting at $3,973 per year — a potential 20% discount off the combined cost of separate policies.

With over 15 years of experience as a licensed insurance agent, I’ve helped hundreds of clients find the right coverage at the right price. In this guide, I’ll walk you through comparison tables, customer reviews, and my own expert insights so you can confidently choose the best (and cheapest) home and auto bundle in New York.

Cheapest Home And Auto Bundles In New York 2025

If you’re looking for the most affordable way to combine your home and auto coverage in New York, Allstate offers the cheapest bundle, averaging just $3,973 per year. That’s hundreds less than many competitors — and a great starting point for smart savings.

Here’s how other top insurers compare on bundled premiums:

Allstate and NYCM offer some of the most competitive bundled rates in the state — but rates can vary depending on your ZIP code and coverage needs, so it’s worth comparing both.

Cheapest Non-Bundle Insurance Combinations In New York

Bundling isn’t always the cheapest route. In some cases, you’ll pay less by purchasing your auto and home insurance from different providers.

In New York, the cheapest non-bundled combination comes from pairing an Allstate auto insurance policy with a State Farm homeowners policy, for an average annual premium of just $3,708. That’s even lower than some bundled options.

Here are other competitive non-bundle pairings worth comparing:

Don’t assume bundling is cheaper — always compare standalone premiums. In New York, Allstate for auto + State Farm for home currently beats out every bundle on price.

Biggest Home And Auto Bundle Discounts In New York

If you’re looking for the biggest savings from bundling your home and auto insurance in New York, NYCM Insurance leads the pack with an average discount of 24%. That can mean hundreds—sometimes thousands—of dollars in annual savings.

Here’s how top providers compare on bundle discounts:

While Travelers offers competitive standalone rates, their bundling discount is minimal. If maximizing your discount is your top priority, NYCM or Allstate are your best bets.

Don’t just look at the discount percentage—always compare final bundle premiums. A smaller discount on already-low rates can still mean the best deal overall.

Benefits Of Bundling Your Insurance In New York

Bundling your home and auto insurance can unlock big savings—plus a few underrated perks. Here’s why more New Yorkers are bundling their policies:

1. You Can Save Up to 25%

Insurance companies love loyal customers, and bundling your home and auto policies is one of the easiest ways to earn a discount. According to Experian, bundling can save you as much as 25% on your total premium. Even a smaller discount could mean hundreds of dollars in annual savings.

2. Everything’s Easier to Manage

No more juggling different renewal dates, billing portals, or customer service numbers. When your policies are with the same provider, managing your coverage becomes simpler—one account, one payment, one point of contact.

3. Better Customer Service

Insurers often prioritize customers with multiple policies. That means faster service, personalized support, and, in some cases, access to exclusive perks. If you’ve ever had to file a claim, you know how valuable that can be.

Drawbacks Of Bundling Your Insurance In New York

While bundling can often lead to savings, it’s not always the best choice for every New Yorker. Here are a few important downsides to keep in mind:

1. You Might Actually Pay More

Not all bundles are created equal. One company may offer excellent rates for auto insurance but below-average rates for home coverage—or vice versa. In some cases, buying policies separately could save you more overall, especially if you qualify for other discounts elsewhere.

2. Less Flexibility for Specialized Needs

Have a recent DUI or live in a high-risk flood zone? Bundled packages may not offer the specialized coverage you need. Insurers tend to standardize their bundle offerings, and if you fall outside the typical customer profile, you might find yourself underinsured or forced into a plan that doesn’t fit.

3. Some Bundles Aren’t True Bundles

Be careful—what looks like a bundle isn’t always fully integrated. Some auto insurers “bundle” by partnering with a separate home insurance provider. This means you’ll deal with two companies, two customer portals, and two claims processes. You also might lose out on key perks, like a single deductible when both your car and home are damaged in the same event.

4. You’re Less Likely to Shop Around

Bundling often comes with auto-renewals and incentives to stay put, which sounds convenient—but it can also lead to complacency. If you’re not comparing rates at least once a year, you could be missing out on better deals or coverage upgrades elsewhere.

Average Home And Auto Insurance Rates In New York – By City

Your location in New York can have a big impact on your insurance costs. Urban areas like New York City typically see higher premiums due to increased traffic and property values, while smaller cities like Utica or Rochester tend to be more affordable.

Here’s a breakdown of average monthly rates across key cities in New York:

Biggest Home and Auto Bundle Discounts in New York

If you’re looking to save the most when bundling your home and auto insurance in New York, a few companies stand out for their generous discounts and strong service.

• NYCM Insurance – Offers the largest bundling discount in New York, averaging 22% off when you combine home and auto insurance. They’re a top pick for value-focused shoppers.
• State Farm – Provides an average 20% discount and is widely known for reliable service and competitive rates across the state.
• Allstate – Offers a bundling discount of around 18%, with strong customer support and plenty of local agents throughout New York.