Best and cheapest companies for home and auto bundles in Minnesota

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Bundling home and auto insurance in Minnesota 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, State Farm provides the highest percentage savings, while Auto Club Group – ACG (AAA) 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 Minnesota.

What you need to know about bundling in Minnesota

Bundling allows you to purchase home and auto insurance from the same company and receive a discount on your policies.
State Farm has the highest bundle discount in Minnesota, averaging 25%
The largest discount doesn’t always lead to the lowest total premium
Your ZIP code within Minnesota can significantly impact your savings
Bundling is often more convenient and can save money, but it’s not always the cheapest option

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

Auto Club Group – ACG (AAA), Auto-Owners and State Farm rank among the best home and auto bundle companies in Minnesota, 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 Minnesota:

Auto Club Group – ACG (AAA)

The average bundle discount at Auto Club Group – ACG (AAA) is $688, or 17%. Auto Club Group – ACG (AAA) makes bundling home and auto policies available to most customers, with a relatively simple qualification process. The average combined rate before the discount is $4,124.

Auto-Owners

The average bundle discount at Auto-Owners is $428, or 8%. For Auto-Owners customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $5,374.

State Farm

The average bundle discount at State Farm is $1,477, or 25%. Bundling with State Farm 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 $6,025.

North Star Mutual

The average bundle discount at North Star Mutual is $1,150, or 15%. Without the bundle discount, the average rate for home and auto is $7,797.

People also ask:

Who has the cheapest home and auto bundle in Minnesota?

In Minnesota, Auto Club Group – ACG (AAA) offers the cheapest rates for home and auto bundle, with an average premium of $3,436.

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

On average, bundling home and auto insurance can save you about 17%, though your exact savings will depend on your coverage, location, and eligibility for discounts.

How do home and auto bundle rates compare in Minnesota?

Home and auto bundle rates in Minnesota 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 Minnesota:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Auto Club Group – ACG (AAA)	A	A	$2,054	$2,070	0.68	0.89	$3,436	4.15
Auto-Owners	A+	A+	$2,368	$3,006	0.44	0.39	$4,946	3.94
State Farm	A+	A+	$2,824	$3,201	0.87	1.15	$4,548	3.54
North Star Mutual	A+	A+	$5,523	$2,274	0.08	0.18	$6,647	3.50

Bundle savings can vary more than you expect

Two insurers may offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in Minnesota?

Auto Club Group – ACG (AAA) is the most affordable option for home and auto bundles in Minnesota, based on total premium. On the other hand, State Farm is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

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

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Auto Club Group – ACG (AAA)	$2,070	$2,054	$4,124	$3,436
State Farm	$3,201	$2,824	$6,025	$4,548
Auto-Owners	$3,006	$2,368	$5,374	$4,946
North Star Mutual	$2,274	$5,523	$7,797	$6,647

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 Minnesota?

The most expensive ZIP code for bundled home and auto insurance in Minnesota is 55411, with average rates of $6,010, while the least expensive is 55807, where premiums drop to $4,149. 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 Minnesota for home and auto insurance bundling is 55411 at an average rate of $6,010.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
55411	$6,010	$1,096	15%
55412	$5,975	$1,094	15%
55404	$5,936	$1,087	15%
55408	$5,908	$1,083	15%
55407	$5,899	$1,083	16%
55454	$5,843	$1,068	15%
55430	$5,811	$1,069	16%
55415	$5,780	$1,062	16%
55401	$5,778	$1,062	16%
55101	$5,773	$1,031	15%

Top ten cheapest ZIP codes

The least expensive ZIP code in Minnesota for home and auto insurance bundling is 55807 at an average rate of $4,149.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
55807	$4,149	$755	15%
55920	$4,162	$788	16%
55806	$4,166	$758	15%
55802	$4,174	$758	15%
55812	$4,177	$755	15%
55805	$4,178	$759	15%
55811	$4,183	$758	15%
55804	$4,216	$763	15%
55810	$4,216	$766	15%
55808	$4,235	$766	15%

Location can impact your premium more than you might expect

Local risk factors such as weather exposure, crime rates and rebuilding costs can create significant price differences even within the same city. Two homes located close to each other but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is typical, check whether your ZIP code is driving it higher – and if you’re planning to move, compare insurance rates for your new address before finalizing your decision.

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 Minnesota by city

See rates in your city

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 4 companies and 100 ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Minnesota can help reduce costs and make policy management easier, 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 separate quotes. Coverage can also vary, so make sure both policies meet your needs before combining them.

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

Switching to a bundle is straightforward and often happens when one policy comes 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 current one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, check the total cost, coverage details, and the insurer’s reputation. It’s important to choose a licensed company with dependable claims handling, since the lowest price may not always offer the best protection (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. May 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 Minnesota? Here's our pick
How do home and auto bundle rates compare in Minnesota?
What is the cheapest home and auto bundles in Minnesota?
Which ZIP codes are most and least expensive in Minnesota?
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 Minnesota