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 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

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 Missouri.

State Farm

State Farm offers a 26% bundle discount, which amounts to an average savings of $1,223. The combined cost of home and auto insurance before the discount is $4,616, and after the discount, it 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

Allstate offers an average discount of $575 when you bundle your auto and home insurance, which is about 11%. Without the discount, the average cost is $5,081, but with the discount, it drops to $4,506.

Nationwide

The average bundle discount at Nationwide is $573, which is a 10% savings. The cost of home and auto insurance before the discount is $5,789, but it lowers to $5,216 after applying the discount.

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 bundles in Missouri?

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

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

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 Missouri for policyholders who bundle their coverage:

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 least expensive ZIP code in Missouri for bundling home and auto insurance is 65043, with an average cost of $3,750. Here are the 10 cheapest 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.