The 2026 Guide to Arizona Insurance Bundles: How to Save 25%+

In Arizona, where homeowners and drivers face unique risks from monsoon seasons to high traffic, insurance bundles Arizona residents love offer a smart way to protect your assets while saving money. Bundling home and auto insurance—also known as an auto insurance bundle or home insurance bundle—combines auto policies and homeowners policy (or renters insurance) for multi policy discounts. At Riseson Insurance, we help Arizona customers find the best insurance bundle options tailored to their needs, often leading to significant savings.

What Is an Insurance Bundle in Arizona?

An insurance bundle means purchasing multiple insurance policies from the same insurer, typically auto and home or auto and renters. This approach provides convenience and access to discounts that reduce premiums. In Arizona, bundling is popular among drivers, homeowners, and renters seeking to save on payments while maintaining strong coverage.

Why Bundle Home and Auto Insurance?

Bundling policies simplifies management with one account, single billing, and one renewal date. It offers benefits like easier policy review, convenient online access, and potential for a streamlined claims process through a single point of contact. Arizona residents can manage everything anytime without needing to call an agent frequently.

Key Savings from Multi-Policy Discounts

Purchasing insurance bundles in Arizona typically saves 5% to 30% on premiums, with some providers reporting higher discounts. Reported savings range from $300 to $800 annually compared to separate policies, helping customers earn more value from their budget.

Average Costs of Bundled Insurance in Arizona

The average annual cost for home and auto insurance bundles in Arizona is around $2,933, about 5% below the national average. This equates to roughly $244 per month, making it an affordable option for many. Rates vary by location, with some areas seeing lower averages.

Cheapest Bundled Options Available

State Farm often provides the lowest bundled rates, around $2,043 annually—significantly below the state average. Other carriers like Auto-Owners and USAA offer competitive pricing, especially for eligible groups. Bundling can make coverage more affordable than buying separately.

Top Insurers for Bundling in Arizona

Leading companies include USAA (great for military families), Auto-Owners (affordable rates), and State Farm (strong discounts). State Farm offers notable savings, such as 17% on auto and 35% on home when bundled. These insurers earn high marks for customer satisfaction.

State Farm Bundling Advantages

State Farm stands out with an average bundle discount of about 25%, translating to substantial savings like $820 or more. New customers often see the biggest impact, making it a top choice for Arizona bundling.

Progressive and Liberty Mutual Bundle Deals

Progressive provides significant savings for new customers, often over 25% on average. Liberty Mutual offers discounts for bundling auto and home, with new switchers potentially saving over $950 per year. These options suit those seeking flexible policy choices.

Bundling for Renters and Condo Owners

Not a homeowner? Renters insurance or condo coverage bundles with auto insurance still qualify for multi-policy discounts. This protects personal belongings while adding savings similar to homeowners' bundles.

Convenience of Managing Bundled Policies

With a bundle, enjoy one digital hub for policy details, payments, and claims. This convenient setup lets you review coverage, make changes, or file a claim easily—ideal for busy Arizona lifestyles.

Potential for Simplified Claims Process

Bundling may lead to a more efficient claims experience with one insurer handling everything. Whether it's damage to your car or home, a single contact point speeds resolution and reduces hassle.

Additional Benefits Beyond Discounts

Some bundles include enhanced perks like higher liability limits, guaranteed replacement coverage, or roadside assistance. In rare cases, one deductible applies if both home and car are affected in the same incident.

Factors That Influence Bundle Rates

Rates vary based on driving history, home location, credit, and coverage needs. Arizona-specific risks like weather events can impact costs, but bundling often offsets these with discounts.

Is Now the Best Time to Bundle?

The best time to bundle is when renewing, moving, buying a new home or car, or simply reviewing options. New customers frequently unlock the biggest savings, so contact an agent to explore.

At Riseson Insurance, our local experts help Arizona residents find the right insurance bundles to protect what matters while maximizing savings. Whether you're bundling homeowners insurance, renters, or adding motorcycle coverage, we compare options to fit your needs. Reach out today to get a personalized quote and start saving on your insurance—don't miss out on these valuable multi policy discounts!