Best and cheapest companies for home and auto bundles in Kansas

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Bundling home and auto insurance in Kansas can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, Iowa Farm Bureau provides the highest percentage savings, while State Farm offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within Kansas.

What you need to know about bundling in Kansas

Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.
Iowa Farm Bureau offers the biggest bundle discount in Kansas, saving an average of 27%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within Kansas plays a major role in how much you’ll actually save
Bundling is often cheaper and more convenient, but it’s not always the best deal

Which companies offer the best home and auto bundles in Kansas? Here’s our pick

Shelter Insurance, State Farm and Farmers rank among the best home and auto bundle companies in Kansas, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Kansas:

Shelter Insurance

The average bundle discount at Shelter Insurance is $1,144, or 18%. Shelter Insurance makes bundling home and auto policies available to most customers, with a relatively simple qualification process. The average combined rate before the discount is $6,345.

State Farm

The average bundle discount at State Farm is $1,817, or 27%. Customers who bundle home and auto with State Farm receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $6,840.

Farmers

The average bundle discount at Farmers is $1,650, or 24%. Bundling with Farmers also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage is $6,791.

Iowa Farm Bureau

The average bundle discount at Iowa Farm Bureau is $2,927, or 27%. Before the discount, the average cost of home and auto insurance is $11,013.

Allstate

The average bundle discount at Allstate is $1,456, or 16%. Without the bundle discount, the average rate for home and auto is $8,898.

People also ask:

Who has the cheapest home and auto bundle in Kansas?

State Farm typically provides the most affordable home and auto bundle in Kansas, with average premiums around $5,023.

How much can you save by bundling home and auto insurance in Kansas?

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

How do home and auto bundle rates compare in Kansas?

Home and auto bundle rates in Kansas can vary widely by insurer. Some companies offer lower starting premiums, while others provide larger discounts, and the difference between providers can be significant. Comparing both the final cost and the discount is essential to finding the best deal.

Here’s how rates and savings compare across top insurers in Kansas:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Shelter Insurance	A	A	$2,361	$3,984	0.44	0.39	$5,201	4.60
State Farm	A+	A+	$2,885	$3,955	0.87	1.15	$5,023	4.23
Farmers	A	A	$2,851	$3,940	1.24	0.89	$5,141	4.06
Iowa Farm Bureau	A	A	$3,133	$7,880	0.13	0.48	$8,086	3.35
Allstate	A+	A+	$5,067	$3,831	1.20	1.26	$7,442	2.93

Bundle savings can vary more than you expect

Two companies can offer similar discounts but very different final premiums depending on their base rates. Always request the combined annual total for both policies after discounts – not just the discount percentage – before deciding where to bundle. The insurer with the loudest bundle offer isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Kansas?

Choose State Farm if your priority is the lowest overall premium for a home and auto bundle in Kansas. If your goal is to unlock the highest discount percentage, Iowa Farm Bureau is the stronger option.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied. The best choice depends on whether you prioritize the lowest final price or the largest discount.

Here’s how the cheapest bundle options compare in Kansas:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$3,955	$2,885	$6,840	$5,023
Farmers	$3,940	$2,851	$6,791	$5,141
Shelter Insurance	$3,984	$2,361	$6,345	$5,201
Allstate	$3,831	$5,067	$8,898	$7,442
Iowa Farm Bureau	$7,880	$3,133	$11,013	$8,086

Cheapest doesn’t always mean best value

Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk.

Which ZIP codes are most and least expensive in Kansas?

The most expensive ZIP code for bundled home and auto insurance in Kansas is 67214, with average rates of $7,756, while the least expensive is 66220, where premiums drop to $5,347. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing both base premiums and available discounts.

Top ten most expensive ZIP codes

The most expensive ZIP code in Kansas for home and auto insurance bundling is 67214 at an average rate of $7,756.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
67214	$7,756	$1,967	20%
67213	$7,745	$1,963	20%
67211	$7,739	$1,963	20%
67203	$7,700	$1,960	20%
67218	$7,688	$1,950	20%
67208	$7,676	$1,953	20%
67207	$7,637	$1,948	20%
67210	$7,591	$1,934	20%
67220	$7,584	$1,954	20%
67209	$7,568	$1,957	21%

Top ten cheapest ZIP codes

The least expensive ZIP code in Kansas for home and auto insurance bundling is 66220 at an average rate of $5,347.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
66220	$5,347	$1,283	19%
66219	$5,367	$1,287	19%
66062	$5,369	$1,291	19%
66061	$5,387	$1,293	19%
66227	$5,387	$1,298	19%
66083	$5,395	$1,304	19%
66209	$5,401	$1,297	19%
66215	$5,402	$1,298	19%
66012	$5,407	$1,337	20%
66216	$5,414	$1,304	19%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Kansas by city

See rates in your city

Overland Park

Topeka

Wichita

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 5 companies and 82 ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in Kansas?

Bundling home and auto insurance in Kansas can help reduce costs and simplify policy management, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in Kansas?

Switching to a bundle is straightforward. Many people make the change when one of their policies is up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in Kansas? Here's our pick
How do home and auto bundle rates compare in Kansas?
What is the cheapest home and auto bundles in Kansas?
Which ZIP codes are most and least expensive in Kansas?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Kansas