Best and cheapest companies for home and auto bundles in Missouri

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When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Missouri to identify which ones provide significant savings when combining multiple coverage types.

State Farm provides the highest percentage discount on home and auto insurance premiums in Missouri when you bundle your policies. By choosing this insurer, you can save an average of 26% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Missouri. When you bundle your policies, you can expect to pay an average of $3,393.

Key Takeaways

In Missouri, State Farm is the best home and auto bundle insurance provider, offering an average discount of 26%.
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

In 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre and post bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Missouri

We ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Missouri.

State Farm

State Farm offers an average bundle discount of $1,223, which is a 26% savings on your premiums. Before the discount, the combined home and auto insurance cost is $4,616, and after applying the bundle discount, the total cost drops to $3,393.

American Family

American Family offers an average discount of $1,003 when you bundle your auto and home insurance, which is about 19%. Without the discount, the average cost is $5,273, but with the discount, the price drops to $4,270.

Allstate

Bundling auto and home insurance with Allstate can save an average of $575, or 11%. Without the discount, the coverage costs $5,081, but after the discount, it’s only $4,506.

Nationwide

Nationwide offers an average bundle discount of $573, which is about 10%. Without the discount, the combined cost of home and auto insurance is $5,789. After applying the discount, the total cost drops to $5,216.

Compare home and auto bundles in Missouri

Bundling your home and auto insurance in Missouri can help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$3,393	47	87.4	A++	26%	82.03
American Family	$4,270	50	85	A	19%	66.79
Allstate	$4,506	39	85	A+	11%	56.28
Nationwide	$5,216	42	86.6	A	10%	50.62

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

State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,918	$1,698	$4,616	$3,393
American Family	$3,391	$1,882	$5,273	$4,270
Auto Club Enterprises (AAA)	$2,112	$3,189	$5,301	$4,427
Allstate	$2,740	$2,341	$5,081	$4,506
Nationwide	$4,326	$1,463	$5,789	$5,216

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

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Missouri.

Most expensive ZIP codes

The ZIP code 64130 in Missouri has the highest average cost for bundling home and auto insurance, at $4,877. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
64130	$4,877	17%
64125	$4,857	17%
64124	$4,839	17%
64126	$4,824	17%
64128	$4,824	17%
64132	$4,806	17%
64123	$4,801	17%
64109	$4,779	17%
64127	$4,779	17%
64106	$4,772	17%

Least expensive ZIP codes

The least expensive ZIP code in Missouri for home and auto insurance bundling is 65043 at an average rate of $3,750. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
65043	$3,750	17%
63640	$3,772	17%
63128	$3,773	17%
63129	$3,831	17%
65775	$3,848	17%
63123	$3,850	17%
63055	$3,876	17%
65023	$3,879	17%
63125	$3,893	17%
63143	$3,895	17%

Frequently asked questions about bundling home and auto insurance

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

Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.

However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.

It’s also possible that a company has the right coverage for one type of insurance but not for the other.

Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.

“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 Missouri?

Switching to a bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.

However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.

But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered.

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.

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Chris Kissell

Contributing Researcher

Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.