Best And Cheapest Home And Auto Insurance Bundles In Pennsylvania 2025

If you’re exploring home and auto insurance bundles in Pennsylvania and looking for the most affordable rates, State Farm currently offers one of the cheapest options at around $2,372 per year.

In this guide, I’ll break down the best and cheapest home and auto bundle options available in Pennsylvania, drawing on comparison data, customer satisfaction ratings, and personal experience.

As of 2025, the average cost of home insurance in the state is around $1,400 per year, while full coverage auto insurance averages $2,436 per year. If you’re hoping to reduce your overall insurance spend, bundling could be one of the most effective strategies.

Cheapest Home And Auto Bundles In Pennsylvania

Bundling your home and auto insurance policies in Pennsylvania can lead to significant savings. Below is a comparison of average annual premiums from various insurers:​

Note: The premiums listed above are average estimates and may vary based on individual circumstances.​

State Farm offers the most affordable bundling option, with an average annual premium of $2,372. This represents a significant discount compared to purchasing home and auto policies separately. ​

Nationwide and Erie Insurance also provide competitive bundling options, with bundle premiums of $3,549 and $3,492, respectively. While their discounts are substantial, their overall premiums are higher than those offered by State Farm. ​

It’s important to note that while Travelers offers a bundling discount, their combined premium remains the highest among the listed insurers, at $6,613 annually.

Cheapest Non-Bundle Insurance Combinations In Pennsylvania

Bundling home and auto insurance often leads to savings — but not always. In some cases, you’ll get a better deal by purchasing policies from different companies.

For example, pairing an auto policy from Travelers with a home policy from Allstate results in the lowest non-bundled total, at just $2,038 per year.

Here’s a breakdown of the most affordable non-bundled combinations:

Biggest Home And Auto Insurance Bundle Discounts In Pennsylvania

While bundling your insurance can lead to major savings, it’s not just about who offers the biggest discount percentage — it’s about who offers the best overall deal. That said, here’s how the top insurers stack up when it comes to bundling discounts in Pennsylvania:

Takeaway:

• State Farm offers the most generous bundle discount at 21%, helping it consistently rank as the cheapest overall option in Pennsylvania.
• Discount % ≠ best value — a smaller discount on a lower base rate can still be the cheaper option.

Benefits Of Bundling Insurance In Pennsylvania

Bundling your home and auto insurance policies with the same company offers more than just convenience — it can lead to real financial savings and a better overall experience. Here are the biggest advantages of bundling in Pennsylvania:

Significant Savings on Premiums

Bundling your home and car insurance can unlock multi-policy discounts that reduce your premiums by up to 25%, according to Experian. Even smaller discounts — in the range of 10–15% — can add up to hundreds or even thousands of dollars saved each year, depending on your coverage and insurer.

Simplified Policy Management

When all your policies are with the same company, you only deal with:

• One bill
• One renewal date
• One online portal or customer service team

This makes managing your insurance far easier — especially when it comes to filing a claim or updating your information.

Enhanced Customer Service

Bundled customers are often treated as higher-value clients, which can mean:

• Faster claims handling
• Better access to agents
• Priority support during disputes or emergencies

You’re also more likely to qualify for loyalty perks and be less vulnerable to sudden rate hikes or policy cancellations due to isolated issues like minor accidents or traffic tickets.

Long-Term Coverage Stability

Bundling can help you maintain consistent coverage, especially if you’ve had a few claims or traffic violations. Insurers are generally more forgiving with long-term, multi-policy customers and may be less likely to drop you for risk-related issues — something that’s increasingly important in Pennsylvania’s tightening insurance market.

Drawbacks Of Bundling Your Isurance In Pennsylvania

While bundling home and auto insurance can save you money, it’s not always the best fit for every policyholder. Here are a few reasons why bundling may not work in your favor:

You Could End Up Paying More

Not all insurers are equally competitive across all policy types. Some may offer great auto insurance rates but charge much higher premiums for homeowners coverage (or vice versa). If you bundle with one company, you may get a discount — but still end up overpaying for one of the policies.

Less Flexibility in Choosing Coverage

Each insurance company has its strengths. Bundling locks you into one provider for both policies, which might mean giving up better coverage options or pricing you could get by mixing and matching policies from different insurers.

Missed Opportunities to Save

Bundling can create a false sense of convenience. When it’s time to renew, many people avoid shopping around — assuming their current bundle is still the best deal. But skipping the comparison process could cause you to miss out on lower premiums or better policy terms elsewhere.

Not Ideal for Specialized Coverage Needs

If you need a high-risk auto policy (for example, due to a recent DUI or multiple violations), you may not find the right level of coverage from the same provider that offers your home insurance. Bundling is less effective if one policy requires specialized underwriting.

Some Discounts May Not Stack

In some cases, bundling discounts can’t be combined with other offers — like safe driver discounts, loyalty bonuses, or military savings. Be sure to ask insurers whether your other discounts will still apply after bundling.

Average Home And Auto Insurance Rates In Pennsylvania – By City

Insurance rates can vary significantly depending on where you live in Pennsylvania. Below is a breakdown of the average monthly premiums for home insurance, auto insurance, and bundled policies across 10 major cities:

Takeaway:

• Philadelphia is the most expensive city overall, but also shows the biggest bundling savings.
• Cities like Scranton and Erie are the most affordable across the board, but still benefit from modest bundle discounts.
• Bundling consistently trims 15–30% off total monthly costs, depending on location.

Biggest Home and Auto Bundle Discounts in Pennsylvania

Looking to save the most by bundling your home and auto insurance? Here’s how the top insurers in Pennsylvania stack up when it comes to multi-policy discount percentages:

• State Farm – 23% average discount: State Farm consistently offers the highest bundle discount in the state, helping it rank as the most affordable overall option for many residents.
• Allstate – 19% average discount: Allstate’s bundling discount is strong, especially for homeowners who already carry a policy and want to add auto coverage.
• Nationwide – 17% average discount: Nationwide remains competitive across Pennsylvania with reliable discounts for bundled policies.
• Erie Insurance – 16% average discount: Though smaller, Erie offers a solid discount for bundling — often comparable to bigger national providers.
• Travelers – 10% average discount: Travelers provides the lowest bundling discount on this list but may still offer the cheapest total cost when buying standalone policies, especially for auto insurance.