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 onJune 4, 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. 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 home and auto insurance in Missouri can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, State Farm offers the highest percentage savings, while State Farm delivers the cheapest bundled rates.Insurance companies vary widely in how they price bundles, so comparing multiple providers is key. The right choice depends on your home value, driving profile and where you live within Missouri. What you need to know about bundling in Missouri Bundling allows you to purchase home and auto insurance from the same company and receive a discount on your policies.State Farm has the highest bundle discount in Missouri, averaging 23%The largest discount doesn’t always lead to the lowest total premiumYour ZIP code within Missouri can significantly impact your savingsBundling is often more convenient and can save money, but it’s not always the cheapest option Which companies offer the best home and auto bundles in Missouri? Here’s our pickState Farm, Shelter Insurance and Nationwide rank among the best home and auto bundle companies in Missouri, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Missouri:State FarmThe average bundle discount at State Farm is $1,604, or 23%. State Farm offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $6,839.Shelter InsuranceThe average bundle discount at Shelter Insurance is $1,354, or 20%. For policyholders who carry both home and auto with Shelter Insurance, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $6,901 for coverage.NationwideThe average bundle discount at Nationwide is $962, or 15%. Policyholders who bundle with Nationwide manage both policies together, with one renewal date and a single team handling any claims. Without the bundle discount, the average rate for home and auto is $6,611.AllstateThe average bundle discount at Allstate is $1,190, or 17%. The average combined rate before the discount is $7,046. People also ask: Who has the cheapest home and auto bundle in Missouri?In Missouri, State Farm offers the cheapest rates for home and auto bundle, with an average premium of $5,235.How much can you save by bundling home and auto insurance in Missouri?On average, bundling home and auto insurance can save you about 17%, though your exact savings will depend on your coverage, location, and eligibility for discounts. How do home and auto bundle rates compare in Missouri?Home and auto bundle rates in Missouri can vary widely by insurer. Some companies offer lower starting premiums, while others provide larger discounts, and the difference between providers can be significant. Comparing both the final cost and the discount is essential 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 insurers may advertise similar discounts but still produce very different final premiums depending on their starting rates. Always ask for the total combined annual cost of both policies after discounts are applied – not just the discount percentage – before deciding where to bundle. The company with the biggest advertised savings isn’t always the one with the lowest final bill. What is the cheapest home and auto bundles in Missouri?Choose State Farm if your priority is the lowest overall premium for a home and auto bundle in Missouri. If your goal is to unlock the highest discount percentage, State Farm is the stronger option.A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied. The best choice depends on whether you prioritize the lowest final price or the largest discount.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 Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you 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 alone, review three key elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk. 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 like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant. 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 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 4 companies and 118 ZIP codes in our analysis. 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. June 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 Missouri 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 in 2026 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 cost and coverage in 2026 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 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