Homeowner Auto Insurance Discount

If you own a home or condo, you might qualify for a homeowner auto insurance discount. Currently, 18 national providers offer homeowner discounts, making it one of the most popular auto insurance discounts to ask for. Depending on the company you use, expect homeowner auto insurance discount rates to be 6% cheaper than average.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • Currently, 18 national insurance companies offer a homeowner auto insurance discount
  • On average, drivers save 6% on their premiums with this discount
  • Bundling insurance is a fast, easy, and convenient way to earn a discount

If you own a home, you can save an average of 6% on your annual premiums with a homeowner discount on auto insurance.

Keep reading to learn what providers offer the best home and auto insurance bundles and learn how hidden auto insurance discounts can help keep your premiums low.

Whether you want to buy homeowner discount auto insurance or update your coverage, enter your ZIP code into our free tool above to compare rates from the best companies in your area.

What is a homeowner auto insurance discount?

A homeowner discount is a way for companies to reward you with a slight rate reduction for your customer loyalty.

To qualify for this discount, you must purchase your home insurance policy through the same company as your auto insurance.

Bundling your insurances is a quick, easy, and often convenient way to save money, and most Americans are eligible. According to the United States Census Bureau, 65.6% of Americans are homeowners.

Insuring two cars under the same auto policy is another typical insurance bundle discount. If you’re a safe driver, know that this discount also often stacks with other rate reductions.

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What companies offer a homeowner auto insurance discount?

If you currently own your home and purchase auto insurance, a homeowners discount is one of the best auto insurance discounts to ask for.

Currently, at least 18 national insurance companies offer this savings opportunity. Local agencies in your region might also advertise this discount.

Take a look at a full list of providers offering homeowner discounts below:

  • 21st Century
  • AAA
  • Amica
  • Country Financial
  • Esurance
  • Farmers
  • GEICO
  • Liberty Mutual
  • MetLife
  • Nationwide
  • Progressive
  • Safe Auto
  • Safeco
  • State Farm
  • The General
  • The Hanover
  • The Hartford
  • Travelers

Each company uses different qualification rules and provides drivers with varying levels of savings. For example, some companies apply this discount if you own a condo instead of a traditional house.

This discount might also be factored into your initial quote instead of applied as an annual rate reduction.

To find the homeowner auto insurance discount company most compatible with your needs, compare quotes from multiple providers online.

Homeowner Auto Insurance Discount: The Bottom Line

The homeowner auto insurance discount is one of the most popular discounts available to drivers. If you own a home or condo, it’s worth checking if you’re eligible to earn these savings.

Now that you’ve compared affordable homeowner auto insurance discount rates enter your ZIP code into our free tool below to receive quotes from the top companies in your region.

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