Best Home And Auto Insurance In Missouri 2025

Bundling your home and auto insurance policies in Missouri can lead to significant savings. When you buy both policies from the same insurer, you may be eligible for multi-policy discounts that make coverage more affordable, especially in high-risk areas.

If you’re looking for affordable home and auto insurance in Missouri, USAA offers the cheapest bundle, with an average annual premium of $2,327.

Best Home And Auto Insurance Bundles In Missouri

State Farm provides the top home and auto insurance in Missouri, at an average annual premium of $2,933.

Cheapest Home And Auto Bundles In Missouri

If you’re looking to save the most by bundling your home and auto insurance in Missouri, USAA offers the most affordable option, with an average annual premium of $2,327.

Here’s how the top providers compare:

Average Cost Of Home And Auto Insurance In Missouri

The average annual cost of home and auto insurance in Missouri is $3,422, which is $628 lower than the national average of $4,050.

Home And Auto Insurance Rates In Missouri Without Bundling

While bundling typically leads to savings, in some cases it can be cheaper to purchase your auto and home insurance policies separately, especially if you’re working with companies that have strong standalone offerings.

The cheapest non-bundled combination in Missouri is:

• Auto insurance from USAA
• Home insurance from Travelers

This combo results in an average annual premium of $3,891.

Here’s how other non-bundled combinations compare:

Biggest Home And Auto Bundle Discounts In Missouri

State Farm provides the largest discount for bundling your home and auto insurance policies, at 26%.

While the total cost of a bundle matters most, the size of the discount can also reveal which insurers are offering the best value when you combine policies.

Here are the largest bundling discounts currently available in Missouri:

Benefits Of Bundling Your Insurance Policies

Bundling your home and auto insurance isn’t just convenient — it can lead to real savings and better overall service. Here are some of the biggest advantages of combining policies with the same provider:

Significant Savings On Premiums

Bundling can lead to savings of up to 25%, according to Experian. Many insurers offer multi-policy discounts when you combine auto and home insurance — and in Missouri, that can translate to hundreds of dollars saved per year.

Simplified Insurance Management

Managing multiple policies across different insurers means juggling:

• Separate bills
• Different renewal dates
• Multiple customer service contacts

Bundling puts everything in one place — making it easier to pay your premiums, file a claim, update coverage, and track your documents through one app or online portal.

Enhanced Customer Service

When you bundle, you’re a higher-value customer. That means:

• Better support from your agent or claims department
• Potential loyalty perks or additional policy options
• Priority handling during peak claim periods (like after a storm or wildfire)

One Deductible For Combined Claims

Some insurers offer single-deductible policies, which means if the same event (like a severe storm or falling tree) damages both your car and home, you only pay one deductible — not two.

Drawbacks Of Bundling Your Insurance Policies

While bundling your home and auto insurance can be a smart financial move, it’s not always the right choice for everyone. Here are some situations where bundling may not be the best fit:

You Might Pay More For One Policy

Not every insurer is equally competitive across all policy types. A provider might offer great auto rates but charge significantly more for homeowners insurance (or vice versa). When you bundle, you risk overpaying for one part of your coverage, which could cancel out the discount entirely.

Limited Flexibility In Coverage

Each insurance company has its own strengths. Bundling forces you to stick with one provider — which could mean missing out on better coverage options, policy features, or claims handling available from another company. For example, a carrier strong in auto may fall short when it comes to high-value home coverage or extreme weather protections.

Complacency Can Cost You

Once you’ve bundled, it’s easy to assume you’re getting the best deal — and stop shopping around. But renewal premiums often creep up, and other insurers may be offering more competitive rates or better discounts. Over time, sticking with a bundle could mean leaving money on the table.

Less Access To Specialized Coverage

In Missouri, where weather-related risks are a concern, not all bundled plans cover the specialized endorsements or add-ons you may need. You might have to compromise on coverage to keep your bundle intact — which can leave you underinsured in high-risk areas.

Compare Home And Auto Insurance Bundles To Other States