Below are our picks for the best home and auto insurance bundling companies in Missouri:
Best Home and Auto Insurance in Missouri
Updated: April 7, 2025
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Key Takeaways
USAA, State Farm and Allstate are the top-rated home and auto insurance companies in Missouri.
State Farm offers the best home and auto insurance discount, with savings of 13% on auto and 35% on home insurance.
The average home and auto insurance cost in Missouri is $3,422 annually, 11% higher than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Missouri?
| USAA | 98 | $2,327 | $178 |
| State Farm | 79 | $2,933 | $1,077 |
| Nationwide | 74 | $4,364 | $523 |
| Allstate | 63 | $4,064 | $478 |
State Farm: Best Cheap Home and Auto Insurance in Missouri
State Farm offers the cheapest home and auto insurance rates in Missouri for nonmilitary members, with a $1,077 bundling discount — the largest in our study. The company also provides other discounts, including its Drive Safe and Save program that can reduce car insurance costs by up to 30%. State Farm ranks fifth for auto and seventh for home insurance in J.D. Power customer satisfaction ratings.
| Auto | $1,309 | $202 | 13% |
| Home | $1,624 | $875 | 35% |
USAA: Best Home and Auto Insurance in Missouri for Military
USAA offers the most affordable home and auto insurance in Missouri, but only for military members and their families. If you qualify, you can save more with discounts like SafePilot, a telematics program that can cut car insurance costs by up to 30%. USAA ranks first in J.D. Power home and auto insurance customer experience studies.
| Auto | $556 | $19 | 3% |
| Home | $1,771 | $160 | 8% |
Allstate: Best Home and Auto Insurance Coverage Options in Missouri
Allstate is among the more expensive insurance options in Missouri but offers strong discounts, including new car and smart student discounts. The company offers unique coverage options, such as new car replacement and deductible rewards not available from competitors.
| Auto | $1,290 | $319 | 20% |
| Home | $3,074 | $204 | 6% |
Missouri Home and Auto Insurance Cost
Missouri's average monthly home and auto insurance cost is $285, above the national average of $258. Depending on the provider, monthly rates range from $194 to $364.
| Missouri home and auto insurance bundle | $3,422 | $-328 | 11% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Missouri Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance can be pricier, your quotes may differ. Here are the average costs of all coverage options without bundling, ranked from cheapest to most expensive, using our top providers.
| USAA | State Farm | $3,073 |
| Allstate | USAA | $3,412 |
| State Farm | USAA | $3,442 |
| Nationwide | USAA | $3,539 |
| USAA | Allstate | $3,634 |
| USAA | Nationwide | $3,853 |
| Allstate | State Farm | $3,981 |
| Nationwide | State Farm | $4,108 |
| State Farm | Allstate | $4,571 |
| Nationwide | Allstate | $4,669 |
| Allstate | Nationwide | $4,760 |
| State Farm | Nationwide | $4,790 |
Should I Bundle Home and Auto Insurance in Missouri?
For Missouri drivers, bundling home and auto insurance typically costs less than purchasing separate policies. However, you should evaluate your coverage needs and financial situation to find the best option.
Bundling discounts save you more than individual policies
In Missouri, bundling home and auto insurance can lead to significant savings. The cheapest annual cost without bundling is $3,073, while bundling can reduce it to $2,327.
Bundling makes policy management convenient
Managing your insurance is easier with bundling. You can handle both home and auto policies through one account, saving time and reducing hassle.
In rare cases, it might be better not to bundle in Missouri
Sometimes, choosing separate policies might not save you more money, but it can offer more flexibility in coverage options.
Best Auto and Home Insurance in Missouri: Bottom Line
USAA, State Farm and Allstate are the top choices for bundling home and auto insurance in Missouri. Bundling these policies can save you money compared to buying them separately. However, compare multiple companies and get quotes to find the best deal for your situation.
Home and Auto Insurance in Missouri: FAQ
Find expert answers to common questions about Missouri home and auto insurance here:
Who has the best home and auto insurance in Missouri?
State Farm ranks highest in our study for home and auto insurance in Missouri for most drivers. USAA is a good option for military members and their families. If you need extensive coverage options, we recommend Allstate.
Who has the cheapest home and auto insurance in Missouri?
USAA offers the cheapest home and auto insurance bundle in Missouri at $2,327 annually. Customers save an average of $178 yearly compared to the state average.
How much does home and auto insurance in Missouri cost on average?
Missouri's average annual premium for a home and auto insurance bundle is $3,422, about 11% higher than the national average. The state's most affordable annual bundling cost is $2,327, while the highest rate is $4,364.
Is bundling home and auto insurance cheaper in Missouri?
Bundling home and auto insurance in Missouri is cheaper, according to our research. It's important to balance costs with adequate financial protection.
Best Auto and Home Insurance Bundle in Missouri: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Missouri Department of Commerce and Insurance and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Missouri
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Missouri
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.