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 has the biggest auto and home bundling discount in Missouri at an average of 26%, and also has the cheapest overall bundled rate at an average of $3,393 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie is a home and auto insurance expert, educator and content creation professional. She has nearly two decades of experience in the insurance industry, first as a customer service representative at Farmers Insurance and now as a researcher and writer for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. She also has written for insurance shopping sites such as ExpertInsuranceReviews.com and InsuranceHotline.com. | Updated on: December 26, 2024 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. 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 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 bundlingIn 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre- and post-bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.Our recommendation for the best home and auto bundles in MissouriInsure.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 FarmThe 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 FamilyThe 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.AllstateThe 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.NationwideThe 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 MissouriBundling your home and auto insurance in Missouri can help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$3,393 4787.4A++26%82.03American Family$4,270 5085A19%66.79Allstate$4,506 3985A+11%56.28Nationwide$5,216 4286.6A10%50.62What 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.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$2,918$1,698$4,616$3,393American Family$3,391$1,882$5,273$4,270Auto Club Enterprises (AAA)$2,112$3,189$5,301$4,427Allstate$2,740$2,341$5,081$4,506Nationwide$4,326$1,463$5,789$5,216Most and least expensive ZIP codes for home and auto insurance bundles in MissouriWhere 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 codesThe ZIP code 64130 in Missouri has the highest average cost for bundling home and auto insurance, at $4,877. See the top 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference64130$4,87717%64125$4,85717%64124$4,83917%64126$4,82417%64128$4,82417%64132$4,80617%64123$4,80117%64109$4,77917%64127$4,77917%64106$4,77217%Least expensive ZIP codesThe 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 codeAverage auto and home after discountAverage difference65043$3,75017%63640$3,77217%63128$3,77317%63129$3,83117%65775$3,84817%63123$3,85017%63055$3,87617%65023$3,87917%63125$3,89317%63143$3,89517% 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. MethodologyInsure.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. You might find interesting The best, cheapest car insurance in MissouriCheapest car insurance in MissouriMissouri car insurance calculatorNon-owner auto insurance in Missouri: Which company has the cheapest rates?Cheapest SR-22 insurance in Missouri How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing Researcher . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in MissouriCompare home and auto bundles in MissouriWhat company offers the cheapest home and auto bundles in Missouri?Most and least expensive ZIP codes for home and auto insurance bundles in MissouriFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates