Best car & homeowners insurance as rated by customers in 2024

If you own a car and home, insuring both assets with the same insurance company can be a great way to save money and limit the hassle of dealing with multiple policies. Of course, insuring your car and home with the same company is only possible if the insurer sells both lines of insurance. Not all policies look alike.

The split will depend on your home, car, driving record, and other factors. Auto insurance quotes often take into account a limited mix of factors. But you know what will increase rates (such as a ticket, accident, or a change in coverage). With auto and home, you may get used to seeing a combined bill.

Many new policies give you an insurance rate that combines an auto, home, and umbrella policy into one. In these cases, there is still a differentiation. Your insurance binder will list the annual premium for each section. But since they aren't separate policies, cancelling one without requoting the others can become much more complicated.

So if you’re looking to bundle and save, we’ve compiled a list of the highest rated insurance companies that sell both car and homeowners insurance policies, based exclusively on customer ratings and reviews on Clearsurance.

In the table above, you can find all insurance companies ranked on Clearsurance that sell both car and homeowners insurance. The Clearsurance score of each company represents the company’s overall score and is not specific to just car or homeowners insurance. Note: Only those companies with at least 25 reviews of either car or homeowners insurance and at least one review of the other line of insurance are eligible to appear in the rankings. To learn more about other customers’ experiences with each insurance product, visit the company’s review page and filter the reviews by product line.

Looking to find companies that only sell both products in your state? Enter your state or zip code and click search to see only the top-ranked car and homeowners insurance companies that sell in your state.

Can you save by bundling car and homeowners insurance?

Among the benefits of purchasing car insurance and homeowners insurance from the same company in is the savings you may see on both policies. Many insurance companies offer a multi-policy discount for bundling car and home (or other policies like life insurance or renters insurance). So instead of paying a full premium price for car insurance with one company and full price for homeowners with a different insurer, you could see discounted rates on both car and home by purchasing both policies from one carrier. Of course, not all companies offer both policies, and insurance costs can vary depending on the company.

Interested in learning more about the potential savings you could receive by bundling your policies? Find an insurance company you’re interested in on the rankings table and visit its profile page where we’ve listed the discounts the company offers. The amount of savings you’ll see will depend on the insurer and your own situation, so it’s best to call the company or your agent to find more detailed information on specific discounts.

Is convenience the only benefit of bundling car and homeowners insurance policies?

Keeping track of one policy, the payments, the paperwork and the renewal date is more than enough to make your head spin. Throw in multiple policies with different insurance companies and it can be maddening. This gets cut down even when you maintain separate policies with the same insurer. When you take your auto insurance bundle and combine it into the same policy, it gets even easier. But what if everything for your car and home was in one place?

Beyond just the potential savings, the convenience of having both policies with the same company can often be worth bundling with one company — if you can find an insurer you feel confident in that sells both products in your state. Having one renewal date, less paperwork and one insurance company to call can make insuring a car and home a lot more manageable.

What are the other benefits of bundling your auto insurance policy?

While it isn’t pleasant to think about, situations do arise where policyholders need to file a claim for their home and car at the same time. Take for instance, a severe windstorm that drops a tree on your car and home, or a fire that causes damage to your car and home. In the event you have to file a claim on both policies, some insurance companies only require you to pay one deductible, limiting your out-of-pocket costs. Plus, you’ll only have to deal with one company during the claims process instead of two. Traditional auto policies also have set limits based around auto accidents or other damage. Especially when auto and homeowners policies are combined into one, the combined limits can be much higher with a lower overall cost.

What other insurance coverages can you bundle beyond cheap car insurance?

While the rankings on this page are only for companies that sell both car and homeowners insurance, that doesn't mean you can’t bundle additional policies with the same company. If you have life insurance, renters insurance, motorcycle insurance, boat insurance, etc., it’s worth researching whether your homeowners insurance company also offers coverage for these products. You can search online or talk to an insurance agent to explore your options.

The convenience and savings doesn’t need to stop at just car and homeowners insurance. By bundling additional products, you could see higher insurance discounts.

When does bundling not make sense?

In some instances, bundling your car and homeowners insurance won’t result in savings. Even with a multi-policy discount, sometimes you’ll pay less by having your car and homeowners insurance with different companies. You need to assess your insurance premiums and other factors like the coverage you'd receive. Sometimes, auto insurance companies offer great auto insurance, but their homeowners coverage is outsourced or doesn't match your standards. Insurance coverages are just as important as price when choosing the right option.

What are some situations where this may be the case? If you have a poor driving record or young drivers on your policy resulting in expensive premiums, sometimes you can find cheaper rates with a company that may not offer homeowners insurance in your state or offers a good deal on car insurance. Of course, while price is important, you never want to sacrifice quality to save a couple bucks, so make sure to read insurance company reviews and ratings before making a decision.

Likewise, if you live in an area prone to natural disasters with high risk, it can result in expensive homeowners insurance rates. In these cases, it may pay to shop for policies with separate companies in addition to receiving bundled quotes.

Interested in seeing the top-ranked car insurers and homeowners insurers separately? Check out our rankings pages for each line of insurance: car, home and renters.

How Clearsurance rates and ranks insurance companies

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.