Top 5 Rated Insurance Companies for Home and Auto in 2025

In 2025, finding the right insurance provider for both home and auto coverage is more important than ever. With rising premiums and varying levels of customer satisfaction, choosing a company that offers competitive rates, robust coverage, and excellent service is key. Bundling home and auto insurance can also unlock significant discounts, simplify policy management, and streamline claims processes. Based on comprehensive research, including customer satisfaction ratings, bundling discounts, coverage options, and pricing, here are the top 5 rated insurance companies for home and auto in 2025.

1. USAA: Best for Military Families

Overview

USAA consistently ranks at the top for both home and auto insurance, earning a stellar reputation for customer satisfaction and value. However, its services are exclusive to active military members, veterans, and their eligible family members. In 2025, USAA is the No. 1 choice for bundling home and auto insurance, scoring 4.9 out of 5 in U.S. News ratings for both categories.

Why USAA Stands Out

• Customer Satisfaction: USAA excels in customer service, claims handling, and loyalty, with J.D. Power scores reflecting the highest industry standards. Its policies are tailored to the unique needs of military families, offering discounts like up to 15% for garaging vehicles on military bases.
• Bundling Discounts: USAA offers bundling discounts of up to 10%, though the average is around 6%. While not the highest, the overall savings are significant due to USAA’s competitive base rates.
• Coverage Options: USAA provides comprehensive home and auto coverage, including extended replacement cost for homes and accident forgiveness for auto policies. It also has a low complaint ratio, indicating strong customer satisfaction.
• Pricing: USAA ranks No. 1 for the cheapest car insurance and offers affordable home insurance rates for military members, though it’s not the cheapest for homeowners overall.

Drawbacks

• Eligibility: Limited to military members and their families.
• Home Insurance Costs: USAA’s home insurance rates are higher than some competitors, ranking No. 5 for affordability in U.S. News’ analysis.

Best For

Military families seeking top-tier service, competitive rates, and tailored coverage.

Read more: From Sedans to Supercars: Your Guide to Top Car Insurance Providers

2. Amica: Best for Customer Satisfaction

Overview

Amica Mutual is a close second, earning a 4.8 out of 5 in U.S. News ratings and topping J.D. Power’s 2025 Auto Claims Satisfaction Study. Available in most states (except Alaska, Hawaii, and Washington, D.C.), Amica is renowned for its affordability and customer-centric approach.

Why Amica Stands Out

• Customer Satisfaction: Amica ranks highly for consumer satisfaction, with superior J.D. Power scores for both home and auto claims. Its mobile app and personalized service enhance the customer experience.
• Bundling Discounts: Amica offers some of the highest bundling discounts, up to 30% when combining home, auto, life, and umbrella policies.
• Coverage Options: Amica’s Platinum Choice homeowners policy provides extended coverage for jewelry and liability, while its auto insurance includes standard options like collision and comprehensive coverage. Dividend-paying policies can return 5-20% of premiums annually.
• Pricing: Amica has the lowest sample homeowners insurance rates in U.S. News’ survey, making it a cost-effective choice for home insurance. Its auto rates are also competitive.

Drawbacks

• Availability: Not available in Alaska, Hawaii, or Washington, D.C.
• Claims Process: Some customers report slower claims processing compared to USAA.

Best For

Homeowners and drivers prioritizing customer satisfaction, affordability, and high bundling discounts.

Read more: Should I Sell My Home Myself or Use an Estate Agent in the UK?

3. Auto-Owners: Best for Regional Coverage

Overview

Auto-Owners Insurance ranks No. 2 for home and auto bundles in U.S. News’ 2025 ratings, scoring highly for customer service and claims handling. Operating in 26 states, it’s a strong regional player with a reputation for value and personalized service.

Why Auto-Owners Stands Out

• Customer Satisfaction: Auto-Owners ranks first for customer service and second for claims handling in U.S. News’ homeowners insurance study. It scores 4.9 out of 5 for customer loyalty in auto insurance.
• Bundling Discounts: Auto-Owners offers variable bundling discounts, often among the most competitive, with Forbes noting it has the cheapest bundled coverage quotes among large insurers.
• Coverage Options: The company provides extensive coverage, including gap insurance, accident forgiveness, and extended replacement cost for homes. Its auto insurance includes student driver discounts and vanishing deductibles.
• Pricing: Auto-Owners’ home insurance rates are among the cheapest, though its auto insurance is pricier, with an average annual rate of $3,374, above the national average.

Drawbacks

• Availability: Limited to 26 states, restricting access for many consumers.
• Auto Insurance Costs: Higher than average car insurance rates may deter some customers.

Best For

Customers in Auto-Owners’ service areas seeking affordable home insurance and strong customer service.

4. State Farm: Best for Nationwide Availability

Overview

As the largest auto insurer in the U.S., State Farm is a household name with policies available in all states except California, Massachusetts, and Rhode Island for home insurance. It ranks No. 4 for auto and No. 5 for home insurance in U.S. News’ 2025 ratings, offering robust coverage and significant bundling discounts.

Why State Farm Stands Out

• Customer Satisfaction: State Farm scores well for customer service (fourth) and claims handling (third) in consumer surveys. Its nationwide network of agents ensures personalized support.
• Bundling Discounts: State Farm offers the highest average bundling discount at 23%, saving customers up to $1,356 annually.
• Coverage Options: The company provides optional coverages like energy efficiency upgrades, identity restoration, and rideshare insurance. Its home policies include standard credit card fraud and building ordinance coverage.
• Pricing: State Farm’s home insurance premiums are the second-lowest among reviewed companies, though its auto rates are closer to the national average.

Drawbacks

• Complaints: State Farm has a slightly higher-than-average complaint volume per the NAIC.
• Availability: Home insurance is unavailable in California, Massachusetts, and Rhode Island.

Best For

Customers nationwide seeking high bundling discounts and reliable coverage from a well-established insurer.

5. Erie: Best for Coverage Options

Overview

Erie Insurance, a regional carrier serving the Northeast and Midwest, ranks highly for its comprehensive coverage and competitive pricing. Scoring 8.5 out of 10 in The Zebra’s 2025 survey, Erie is a top pick for customers in its 12-state service area.

Why Erie Stands Out

• Customer Satisfaction: Erie ranks second in The Zebra’s customer satisfaction survey and first for claims satisfaction. It has a low complaint ratio and strong regional reputation.
• Bundling Discounts: Erie offers competitive bundling discounts, averaging 10% for paying in full, with additional savings for safe driving and student drivers.

• Coverage Options: Erie includes unique features like pet injury coverage, no-deductible windshield repair, and accident forgiveness at no extra cost. Its Rate Lock feature stabilizes premiums, protecting against rate hikes.
• Pricing: Erie’s median rate for minimum auto coverage is $474 annually, the lowest among top insurers. Its home insurance rates are also competitive.

Drawbacks

• Availability: Limited to 12 states, primarily in the Northeast and Midwest.
• Digital Experience: Erie’s app and website lag behind competitors, with low user ratings and no live chat.

Best For

Customers in Erie’s service area seeking comprehensive coverage and stable rates.

Why Bundle Home and Auto Insurance?

Bundling home and auto insurance offers several benefits:

• Cost Savings: Discounts range from 5% to 30%, with State Farm and Amica offering some of the highest savings. The average bundling discount is 14%, equating to $466 annually.
• Convenience: Managing policies with one insurer simplifies payments, renewals, and claims. Some companies waive the lower deductible if both home and auto are damaged in the same incident.
• Coverage Consistency: Bundling ensures cohesive coverage, reducing gaps in protection.

However, bundling isn’t always the cheapest option. Shopping around with separate providers may yield lower rates, especially if one policy is significantly cheaper elsewhere. Always compare quotes to ensure the best deal.

How to Choose the Right Insurance Company

When selecting among the top 5 rated insurance companies for home and auto, consider these factors:

1. Coverage Needs: Assess whether you need specialized coverages, like high-value home protection (Chubb) or military-specific benefits (USAA).
2. Pricing and Discounts: Compare base rates and bundling discounts. Amica and State Farm offer high savings, while USAA and Erie provide low base rates.
3. Customer Service: Prioritize companies with strong J.D. Power and NAIC ratings, like Amica and USAA.
4. Availability: Ensure the insurer operates in your state. State Farm and USAA have near-nationwide availability, while Erie and Auto-Owners are regional.
5. Claims Process: Look for efficient claims handling, as seen with Erie and Amica.

Conclusion

In 2025, the top 5 rated insurance companies for home and auto—USAA, Amica, Auto-Owners, State Farm, and Erie—offer a blend of affordability, coverage, and customer satisfaction. USAA is ideal for military families, Amica excels in customer service, Auto-Owners provides regional value, State Farm offers nationwide reach, and Erie stands out for coverage options. By bundling policies and comparing quotes, you can secure comprehensive protection at a competitive price. Always shop around and review your coverage needs to find the best fit for your home and auto insurance.