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 offers the biggest average discount of 26% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

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

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

The average bundle discount at American Family is $1,003, or 19%. Without a bundle discount, customers pay $5,273 for coverage. After the bundle discount, customers pay $4,270 on average. American Family ranked at No. 9 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

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, 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?

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

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 policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

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?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

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.