Best and Cheapest Home and Auto Bundle Companies in Missouri (2024)

State Farm is the best provider of bundle insurance in Missouri. This insurer offers customers a wide range of coverage options at competitive prices with excellent customer service. The top two insurance providers that offer both home and auto bundles in Missouri are:

• State Farm: MoneyGeek score of 84 out of 100
• Allstate: MoneyGeek score of 80 out of 100

In terms of customer satisfaction with home and auto insurance, State Farm scored above average on both insurance products. Allstate, however, ranks second because of its significant difference in policy premiums.

If you are in the military or come from a military family, you can get the most affordable bundle option in the state from USAA. It is one of the top insurers with a wide range of benefits.

The average annual home and auto insurance bundle discount in Missouri is $591, which equates to 16% off the total cost. Based on MoneyGeek's research, Farmers has the most significant discount rate at 28%, whereas USAA has the smallest discount at 4%. Meanwhile, Allied does not offer discounts for bundling.

The company with the largest bundle discount doesn't necessarily mean it's the cheapest or best option. For example, Farmers offers the biggest discount rate for a home and auto bundle in Missouri at 28%. However, bundled premiums from Farmers cost $4,137 per year. That's significantly higher than State Farm, which only costs around $2,401 annually but has a discount rate of 25%.

Even with the lowest discount rate, USAA offers the cheapest rate to military members, starting at $2,326 per year.

Excluding discounts, the most affordable home and auto bundles in Missouri are:

• State Farm: $2,401 per year
• Allstate: $3,233 per year

On average, the companies listed above are the most affordable. However, it's a good idea to consider other options to find the best insurance for your specific needs. Taking the time to compare rates and weigh the benefits and drawbacks will help you save money in the long run.

Although bundling can usually result in lower rates, wanting specific coverages from different insurers makes it difficult to take advantage of these bundling offers. You can still save money without purchasing a bundled policy from the same insurer.

The cheapest non-bundle insurance combination in Missouri is from Allstate and State Farm. For a total annual premium of $3,170, you can pair Allstate auto insurance ($907) with State Farm home insurance ($2,263).

Compared with State Farm's cheapest bundle insurance at $2,401 per year, that's an annual difference of $769 in exchange for more customized coverage based on your needs.

Bundling home and auto insurance allows policyholders to save more money and time. However, there are times when purchasing separate policies is less expensive than bundling. Because policies are quoted differently for each policyholder, it is a good idea to investigate both options. You want to determine whether you can save more money by bundling insurance or using two different insurers.