Best Home And Auto Insurance In Pennsylvania 2025

Bundling discounts, called multi policy discounts, offer the biggest discounts on home and auto premiums saving an average of $395 per year for new policyholders in Pennsylvania. This can be a critical figure given the rising increase in premiums across the state due to extreme weather events and higher risks.

Finding the right discounts can help you make sure you have the coverage you need.

Best Home And Auto Insurance Bundles In Pennsylvania

State Farm provides the top home and auto insurance in Pennsylvania, at an average annual premium of $2,399.

Cheapest Home And Auto Bundles In Pennsylvania

If you’re looking to save the most by bundling your home and auto insurance in Pennsylvania, State Farm offers the most affordable option, with an average annual premium of $1,940.

Here’s how the top providers compare:

Average Cost Of Home And Auto Insurance In Pennsylvania

The average annual cost of home and auto insurance in Pennsylvania is $3,000, which is $1,050  lower than the national average of $4,050.

Home And Auto Insurance Rates In Pennsylvania Without Bundling

While bundling typically leads to savings, in some cases it can be cheaper to purchase your auto and home insurance policies separately, especially if you’re working with companies that have strong standalone offerings.

The cheapest non-bundled combination in Pennsylvania is:

• Auto insurance from GEICO
• Home insurance from Travelers

This combo results in an average annual premium of $3,145.

Here’s how other non-bundled combinations compare:

Biggest Home And Auto Bundle Discounts In Pennsylvania

The biggest home and auto bundle discounts though are offered by:

• State Farm: State Farm has the highest discounts in the state offering 27% off home and auto bundles in Pennsylvania.
• Allstate: Allstate provides Pennsylvania residents with a home and auto bundle discount of 23%.
• Travelers: Travelers gives an average of 13%.
• Progressive: Pennsylvania residents can get a 10% discount on average from Progressive.
• USAA: USAA offers discounts of 8%.

When To Consider Bundling Your Pennsylvania Insurance

There are a few times to consider bundling your Pennsylvania insurance.

To Get Savings

The biggest benefit obviously comes from the savings including:

1. The discount for bundling
2. The savings from one deductible in an event that affects home and auto
3. The savings from 12-month car insurance policies instead of 6-month policies

It’s important to compare not just the percentage you get in terms of your discounts but what your premiums are for the coverage you get.

For example:

Allstate charges $1,740 for homeowners insurance and $1,465 for car insurance equaling $3,205 each year in separate policy premiums. With the 23% discount, you might pay around $2,465 each year instead.

By comparison, State Farm which has the highest discounts might charge $1,880 on average for your homeowners insurance premium and $1,525 on average for your car insurance premium equaling $3,405 per year. With a 27% discount that still brings the annual costs to around $2,485.

So while Pennsylvania residents can get the biggest discount from State Farm, the biggest savings comes from Allstate.

To Get Support

Another time to consider bundling your Pennsylvania insurance is when you want to get better support. It can be much easier to manage multiple insurance products like boat insurance, homeowners insurance, and car insurance from a single location, through a single agent, and with a single insurance portal.

When Not To Consider Bundling Your Insurance In Pennsylvania

There are two key drawbacks to bundling your insurance in Pennsylvania: you may not find the specialized coverage you need and you might not get savings as high as you would with separate policies.

Specialized Coverage

One of the biggest drawbacks to bundling your insurance in Pennsylvania is that you may not find the type of plan you need. Not all of the same coverage is available under bundled packages and if you find a worthwhile discount from one company, they may not provide the specialized coverage you need for your home.

In Pennsylvania, in particular, there is a need for specialized coverage extending to flood damage and other heavy snow and ice storms incidents. Not all providers who offer bundling discounts will offer that coverage.

Separate Savings

For some people, the savings that are provided by bundling may not be as high as the average across the state. For example, one customer might only save 2% on their current car insurance policy and 12% on their homeowners insurance, but that amounts to a total of 14% in savings whereas keeping separate policies gives them a total of 17% in savings.

There are plenty of ways to get discounts on home or car insurance and shopping around for separate policies might give you a better combination of discounts depending on your circumstances.

Compare Home And Auto Insurance Bundles To Other States