Best and cheapest companies for home and auto bundles in Missouri

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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 Missouri 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 Missouri when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 26%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Missouri. On average, you will pay $3,393 when you bundle.

Key Takeaways

In Missouri, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 26%.
Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.
Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.
Bundling is usually a smart move, but sometimes it might not be the best option.

How we picked the best companies for home and auto bundling

In 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of 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

The average bundle discount at State Farm is $1,223, or 26%. Before the bundle discount is added, the average cost of home and auto insurance is $4,616. After getting a bundle discount, the cost drops to $3,393. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

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

The average bundle discount at Allstate is $575, or 11%. Without the bundle discount, the average cost of coverage is $5,081. After the bundle discount, that cost goes down to $4,506. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Nationwide

The average bundle discount at Nationwide is $573, or 10%. Before the discount is added, the average cost of home and auto insurance is $5,789. After adding the bundle discount, the average cost is $5,216. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and at No. 7 in the Best Home Insurance Companies ranking.

Compare home and auto bundles in Missouri

Bundling your home and auto insurance in Missouri 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	$3,393	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 bundle in Missouri?

State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when 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 most expensive ZIP code in Missouri for bundling home and auto insurance is 64130, with an average cost of $4,877. Here are the 10 most expensive ZIP codes:

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 most affordable ZIP code in Missouri for bundling home and auto insurance is 65043, with an average rate of $3,750. Below are the 10 least expensive ZIP codes.

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.