"Bundle and save" is the most advertised discount in insurance — but how much would you actually save? Bundling your home and auto policies with the same insurer typically knocks roughly 10–25% off your combined premium, yet the real number depends on your current premiums, your insurer's discount table, and which state you live in.
This free calculator does the math in seconds. Enter what you pay now for auto and home insurance, pick a bundle discount rate, and you'll see your estimated bundled total, your annual savings, and what that saves you every month. It's the fastest way to know whether the bundle is actually worth it before you switch.
What moved your estimate most
The unbundled total is your two premiums added together, before any discount. The savings range spans ±10% around the central estimate because insurers structure multi-policy discounts differently.
How we estimate
This tool is deliberately simple and transparent. Every estimate follows the same formula:
Estimated annual savings = (auto premium + home premium) × bundle discount rate
That is it — the bundle discount applies to your combined premium. Two details make the result realistic:
- Discount rate (5–25%): Major US insurers advertise bundle savings of roughly 10–25%. Around 15% is the figure most often quoted as typical. The slider lets you model conservative (10%), typical (15%) and generous (20%) cases — always use the rate your insurer actually offers, found on your declarations page or their website.
- Policy stacking: Adding a third policy (umbrella or life) can push the total multi-policy discount a few points higher. Choosing "Auto + Home + Umbrella" or "Auto + Home + Life" adds roughly 3 extra discount points in this calculator, reflecting how insurers layer multi-policy and multi-line discounts.
- State matters indirectly: Some states regulate how insurers discount more tightly than others, and a few insurers simply offer bigger bundles in states where they are trying to grow. Your state choice is shown in your results as a reminder to check that the discount is actually available where you live.
The final number is shown with a ±10% range because insurers don't all apply the discount to both policies equally — some load it onto the auto policy, some split it. Treat the middle of the range as your planning number.
Frequently asked questions
How much can bundling home and auto insurance save me?
Most major US insurers advertise bundling discounts of roughly 10–25% when you combine home and auto policies with the same company, with around 15% being a commonly cited typical figure. The actual discount depends on your state, the insurer, your claims history and how many policies you bundle. This calculator applies the discount rate you enter (or pick from presets) to your current premiums to estimate the savings — treat the result as a planning number, not a guaranteed quote.
Does the bundle discount apply to both policies?
Usually yes, though insurers structure it differently: some apply the full percentage to both the auto and the home policy, while others discount one policy more heavily (often the auto policy). This calculator assumes the discount rate applies to the combined premium, which matches how most insurers describe their multi-policy savings in advertising.
Do I have to bundle with the same insurer to get the discount?
Yes. A bundling discount requires you to hold both policies with the same insurance company, which means you accept one insurer's pricing on both policies. Sometimes a competitor's standalone auto or home quote is so much cheaper that it beats your current insurer's bundled price — that is why this calculator compares your bundled total against your unbundled total before you switch.
Will bundling always be cheaper?
Not always. If your current insurer charges high base rates for one of the policies, the bundle discount may not make up for it. Run your actual numbers through this calculator, then get at least one competing standalone quote for each policy before deciding. Also watch the renewal: some insurers raise bundled rates at renewal, so re-shop every 12 months.
Keep reading: home + auto guides
An estimate is a starting point — these guides help you turn it into real savings:
- Texas Home and Auto Insurance Rate Cuts (2026) — what falling Texas rates mean for bundlers, and when to re-shop.
- Home Insurance Cost Estimator — get your home premium ballpark right before comparing bundle quotes.
- Car Insurance Cost Estimator — get your auto premium ballpark right the same way.