Best and cheapest companies for home and auto bundles in Mississippi

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When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Mississippi to determine which will give you the biggest price break when you purchase multiple types of coverage.

State Farm offers the biggest percentage break on your home and auto premiums in Mississippi when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 28%.

Meanwhile, Allstate offers the cheapest overall rate when you bundle with the company in Mississippi. On average, you will pay $3,255 when you bundle.

Key Takeaways

In Mississippi, State Farm is the best home and auto bundle insurance provider, offering an average discount of 28%.
Some companies offer bigger savings for bundling than others, so it pays to shop around.
Where you live within the state will impact how much you can save by bundling.
Bundling usually makes sense, but there are situations where this might not be the case.

How we picked the best companies for home and auto bundling

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 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 48 companies and 4,686 ZIP codes in our analysis.

Our recommendation for the best home and auto bundles in Mississippi

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in Mississippi.

State Farm

State Farm offers an average bundle discount of $1,317, which is a 28% savings on your premiums. Before the discount, the combined home and auto insurance cost is $4,728, and after applying the bundle discount, the total cost drops to $3,411.

Nationwide

Nationwide offers an average bundle discount of $2,796, or 35%. Before the bundle discount, you’ll pay an average of $7,908, which will decrease to $5,112 after the discount is applied.

Allstate

Allstate offers an average discount of $565 when you bundle your auto and home insurance, which is about 15%. Without the discount, the average cost is $3,820, but with the discount, it drops to $3,255.

Travelers

Travelers offers an average bundle discount of $1,194, which is about 11%. Without the discount, the combined cost of home and auto insurance is $10,588. After applying the discount, the total cost drops to $9,394.

Compare home and auto bundles in Mississippi

Bundling your home and auto insurance in Mississippi can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$3,411	47	87.4	A++	28%	76.66
Nationwide	$5,112	42	86.6	A	35%	75.44
Allstate	$3,255	39	85	A+	15%	64.52
Travelers	$9,394	44	83.6	A++	11%	52.82

What company offers the cheapest home and auto bundles in Mississippi?

If you bundle your policies, State Farm gives you the highest discount. Allstate has the lowest overall rate for bundling.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Allstate	$1,246	$2,574	$3,820	$3,255
State Farm	$3,075	$1,653	$4,728	$3,411
Southern Farm Bureau	$3,162	$2,048	$5,210	$4,567
Nationwide	$6,582	$1,326	$7,908	$5,112
Travelers	$8,986	$1,602	$10,588	$9,394

Most and least expensive ZIP codes for home and auto insurance bundles in Mississippi

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in Mississippi for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 39595 in Mississippi has the highest average cost for bundling home and auto insurance, at $8,365. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
39595	$8,365	21%
39501	$6,652	21%
39507	$6,582	20%
39581	$6,491	20%
39567	$6,474	21%
39269	$6,442	21%
39560	$6,371	20%
38675	$5,847	21%
39563	$5,616	20%
38720	$5,522	21%

Least expensive ZIP codes

The least expensive ZIP code in Mississippi for bundling home and auto insurance is 39305, with an average cost of $4,408. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
39305	$4,408	20%
39705	$4,410	20%
39702	$4,411	20%
39701	$4,425	20%
39307	$4,457	20%
39710	$4,459	20%
38841	$4,483	20%
39730	$4,551	20%
39301	$4,593	20%
38916	$4,631	20%

Frequently asked questions about home and auto bundle insurance

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

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“Remember when buying insurance that you’re doing so to protect your most valuable assets,” says Christine O’Brien, president of the Insurance Council of New Jersey. “Take the time to learn about policy limits and coverages and get several quotes.”

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

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate.

You might find interesting

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

Arkansas$3,119/Year

California$2,866/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Idaho$1,993/Year

Illinois$2,678/Year

Indiana$2,437/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Missouri$3,393/Year

Montana$3,188/Year

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Ohio$2,229/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Carolina$2,766/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Utah$1,972/Year

Vermont$1,553/Year

Virginia$1,995/Year

Washington$1,762/Year

Washington, D.C.$2,506/Year

West Virginia$2,361/Year

Wisconsin$2,083/Year

Wyoming$2,619/Year

Chris Kissell

Contributing Researcher

Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in Mississippi
Compare home and auto bundles in Mississippi
What company offers the cheapest home and auto bundles in Mississippi?
Most and least expensive ZIP codes for home and auto insurance bundles in Mississippi
Frequently asked questions about home and auto bundle insurance
Methodology