Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Missouri Best and cheapest companies for home and auto bundles in Missouri State Farm offers the biggest bundling discount in Missouri, saving drivers an average of 23%, while State Farm has the cheapest bundled premium at $5,235. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onSeptember 18, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. For a deeper dive into our process, see our complete methodology. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Bundling your home and auto insurance in Missouri can help lower your overall costs, but the best option depends on whether you’re focused on getting the biggest discount or the lowest final premium. On average, State Farm delivers the highest percentage savings, while State Farm offers the most affordable bundled rates.Because insurers price bundles differently, it’s important to compare multiple companies. The right fit depends on your home value, driving profile and where you live within Missouri. What you need to know about bundling in Missouri What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.State Farm offers the largest bundle discount in Missouri, saving about 23%.The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.Your ZIP code within Missouri can significantly affect how much you save.Bundling is often cheaper and more convenient, but it’s not always the best overall value. Which companies offer the best home and auto bundles in Missouri? Here’s our pickState Farm, Shelter Insurance and Nationwide are among the best home and auto bundle companies in Missouri, offering strong discounts, competitive bundled rates and high rankings for both auto and home insurance. The right choice for you will depend on whether you prioritize the biggest discount or the lowest final premium.We ranked companies based on the average bundle discount they offer in both dollar and percentage terms, along with their performance in auto and home insurance rankings. Based on those criteria, these are the best companies for bundling in Missouri:State FarmThe average bundle discount at State Farm is $1,604, or 23%. State Farm makes bundling home and auto policies available to most customers, with a relatively simple qualification process. The average combined rate before the discount is $6,839.Shelter InsuranceThe average bundle discount at Shelter Insurance is $1,354, or 20%. For Shelter Insurance customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $6,901.NationwideThe average bundle discount at Nationwide is $962, or 15%. Bundling with Nationwide also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage is $6,611.AllstateThe average bundle discount at Allstate is $1,190, or 17%. Before the discount, the average cost of home and auto insurance is $7,046. People also ask: Who has the cheapest home and auto bundle in Missouri?State Farm has the cheapest home and auto bundle in Missouri, with an average premium of $5,235.How much can you save by bundling home and auto insurance in Missouri?Bundling home and auto insurance can save you around 17% on average, depending on the insurer. Actual savings may vary based on your policies, location, and eligibility for discounts. How do home and auto bundle rates compare in Missouri?Home and auto bundle rates in Missouri can vary significantly by insurer. Some companies offer lower base premiums, while others provide larger discounts, and the difference between providers can be substantial. Comparing both the final price and the discount is key to finding the best deal.Here’s how rates and savings compare across top insurers in Missouri:Company GroupAuto AM BestHome AM BestAuto PremiumHome PremiumAuto NAICHome NAICBundled PremiumOverall RatingState FarmA+A+$3,280$3,5590.871.15$5,2354.30Shelter InsuranceAA$2,862$4,0390.440.39$5,5474.10NationwideAA$3,436$3,1750.641.34$5,6493.32AllstateA+A+$4,224$2,8221.201.26$5,8562.66Powered by: Bundle savings can vary more than you expect Two companies can offer similar discounts but very different final premiums depending on their base rates. Always request the combined annual total for both policies after discounts – not just the discount percentage – before deciding where to bundle. The insurer with the loudest bundle offer isn’t always the one with the lowest final bill. What is the cheapest home and auto bundles in Missouri?State Farm is the most affordable option for home and auto bundles in Missouri, based on total premium. On the other hand, State Farm is a better choice if you’re looking for the largest discount rather than the lowest base price.A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.The best option depends on whether you want the lowest final price or the biggest discount off your premium.Here’s how the cheapest bundle options compare in Missouri:CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$3,559$3,280$6,839$5,235Shelter Insurance$4,039$2,862$6,901$5,547Nationwide$3,175$3,436$6,611$5,649Allstate$2,822$4,224$7,046$5,856Powered by: Cheapest doesn’t always mean best value Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.Before choosing based on price, check three things: the liability limits, the deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t a better deal – it’s a more expensive one the moment you need to use it. Which ZIP codes are most and least expensive in Missouri?The most expensive ZIP code for home and auto bundles in Missouri is 63120, with average rates of $7,709, while the cheapest is 63640, where premiums drop to $5,120. Rates can vary widely due to differences in risk, property values and local claims data.Where you live plays a major role in your insurance costs, affecting both base premiums and available discounts.Top ten most expensive ZIP codesThe most expensive ZIP code in Missouri for home and auto insurance bundling is 63120 at an average rate of $7,709.See the 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discount$ difference% difference63120$7,709$1,48116%63107$7,457$1,44116%63115$7,451$1,45316%63147$7,377$1,43616%63136$7,360$1,43616%63113$7,354$1,43416%63137$7,350$1,43416%63106$7,344$1,41816%63155$7,180$1,44217%63121$7,058$1,40617%Powered by:Top ten cheapest ZIP codesThe least expensive ZIP code in Missouri for home and auto insurance bundling is 63640 at an average rate of $5,120.See the 10 least expensive ZIP codes below.ZIP codeAverage auto and home after discount$ difference% difference63640$5,120$1,16118%65001$5,216$1,17118%65632$5,234$1,18318%65804$5,240$1,16718%65807$5,251$1,17118%65440$5,254$1,17118%65809$5,272$1,17218%65020$5,282$1,18218%65775$5,288$1,16718%65810$5,293$1,18418%Powered by: Your ZIP code can impact your rate more than your insurer Location-based risks such as weather patterns, crime rates and rebuilding costs can create major price differences even within the same city. Two homes located less than a mile apart but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is standard, check whether your ZIP code is driving it up – and if you’re planning a move, get insurance quotes for your new address before committing. Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Missouri by citySee rates in your cityKansas CityMountain ViewHow we picked the best companies for home and auto bundlingWe analyzed home and auto insurance rates from Quadrant Data Services in 2025 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 4 companies and 118 ZIP codes. Frequently asked questions about home and auto bundle insurance Is bundling home and auto insurance right for everyone in Missouri? Bundling home and auto insurance in Missouri can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.“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 home and auto insurance in Missouri can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.“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.” What should you check before bundling home and auto insurance? Before bundling home and auto insurance, compare total costs, coverage details, and the insurer’s reputation. Make sure the company is licensed and offers reliable claims support, as the cheapest option may not provide the best overall value (Texas Department of Insurance, n.d.). Resources & Methodology Sources:Texas Department of Insurance, (2025). Shopping for auto insurance. September 2026. MethodologyInsure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:Annual premium (35%) – average cost across auto and home datasetsNAIC (35%) – complaint index and customer experienceAM Best (30%) – financial strength and stabilityHow much is home and auto bundle insurance in other statesAlaska$3,766/YearAlabama$4,171/YearArkansas$4,303/YearArizona$3,494/YearCalifornia$3,605/YearColorado$4,655/YearConnecticut$4,165/YearWashington, D.C.$4,209/YearDelaware$2,995/YearFlorida$5,034/YearGeorgia$4,402/YearHawaii$2,297/YearIowa$3,357/YearIdaho$2,084/YearIllinois$2,823/YearIndiana$3,707/YearKansas$5,023/YearKentucky$4,319/YearLouisiana$5,444/YearMassachusetts$3,348/YearMaryland$3,055/YearMaine$1,925/YearMichigan$5,213/YearMinnesota$3,436/YearMississippi$4,294/YearMontana$3,332/YearNorth Carolina$2,138/YearNorth Dakota$3,818/YearNebraska$5,170/YearNew Hampshire$2,285/YearNew Jersey$3,261/YearNew Mexico$3,695/YearNevada$3,040/YearNew York$4,832/YearOhio$3,343/YearOklahoma$5,012/YearOregon$2,817/YearPennsylvania$3,126/YearRhode Island$2,525/YearSouth Carolina$3,978/YearSouth Dakota$3,689/YearTennessee$4,177/YearTexas$5,665/YearUtah$2,742/YearVirginia$2,450/YearVermont$1,821/YearWashington$3,023/YearWisconsin$3,191/YearWest Virginia$3,395/YearWyoming$2,786/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in MissouriBest and cheapest homeowners insurance companies in MissouriCost of Living in Missouri in 2025How much does condo insurance cost in Missouri?Average renters insurance cost in MissouriMissouri homeowners insurance calculatorSee more Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. Explore other insurance options in Missouri Average homeowners insurance cost in Missouri Average car insurance cost in Missouri Non-owner auto insurance in Missouri In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance premiums? Mobile home insurance: What it covers and how much it costs Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance How much flood insurance do I need? 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Here's our pickHow do home and auto bundle rates compare in Missouri?What is the cheapest home and auto bundles in Missouri?Which ZIP codes are most and least expensive in Missouri?How we picked the best companies for home and auto bundlingFrequently asked questions about home and auto bundle insuranceResources & Methodology ZIP Code Please enter valid ZIP See rates 1-833-708-6021