Best and cheapest companies for home and auto bundles in Kansas

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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 Kansas 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 Kansas when you bundle your policies. By choosing this insurer, you can save an average of 29% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Kansas. When you bundle your policies, you can expect to pay an average of $3,865.

Key Takeaways

In Kansas, State Farm offers the biggest average discount of 29% 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 bundling

In 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 Kansas

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Kansas for home and auto bundling.

State Farm

State Farm offers an average bundle discount of $1,547, which is a 29% savings on your premiums. Before the discount, the combined home and auto insurance cost is $5,412, and after applying the bundle discount, the total cost drops to $3,865.

American Family

American Family offers an average bundle discount of $945, or 19%. Before the bundle discount, you’ll pay an average of $4,975, which will decrease to $4,030 after the discount is applied.

Farmers Insurance

Bundling auto and home insurance with Farmers Insurance can save an average of $2,314, or 25%. Without the discount, the coverage costs $9,136, but after the discount, it’s only $6,822.

Nationwide

The average bundle discount at Nationwide is $1,630, or 19%. Before the discount is added, the average cost of home and auto insurance is $8,573. After adding the bundle discount, the average cost is $6,943. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and at No. 7 in the Best Home Insurance Companies ranking.

Allstate

Allstate offers an average bundle discount of $943, or 13%. The average rate for coverage before the discount is $7,250, and with the discount, it’s reduced to $6,307.

Compare home and auto bundles in Kansas

Bundling your home and auto insurance in Kansas can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$3,865	47	87.4	A++	29%	82.03
American Family	$4,030	50	85	A	19%	68
Farmers Insurance	$6,822	43	82	A	25%	63.39
Nationwide	$6,943	42	86.6	A	19%	57.18
Allstate	$6,307	39	85	A+	13%	53.27

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What company offers the cheapest home and auto bundles in Kansas?

If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$3,799	$1,613	$5,412	$3,865
American Family	$3,436	$1,539	$4,975	$4,030
Shelter Insurance	$3,370	$2,052	$5,422	$4,511
Iowa Farm bureau	$4,147	$1,969	$6,116	$4,751
Allstate	$3,633	$3,617	$7,250	$6,307
Farmers Insurance	$7,139	$1,997	$9,136	$6,822
Nationwide	$7,107	$1,466	$8,573	$6,943

Most and least expensive ZIP codes for home and auto insurance bundles in Kansas

The ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Kansas for bundling insurance.

Most expensive ZIP codes

The most expensive ZIP code in Kansas for home and auto insurance bundling is 67801 at an average rate of $6,264. See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
67801	$6,264	21%
67870	$6,253	21%
67834	$6,244	21%
67547	$6,074	21%
67515	$6,006	20%
67260	$5,981	21%
67202	$5,961	21%
67228	$5,947	21%
67211	$5,943	21%
67227	$5,935	21%

Least expensive ZIP codes

The least expensive ZIP code in Kansas for bundling home and auto insurance is 66219, with an average cost of $4,388. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
66219	$4,388	21%
66209	$4,406	21%
66061	$4,437	21%
66062	$4,445	21%
66220	$4,460	21%
66213	$4,467	21%
66221	$4,468	21%
66210	$4,493	21%
66083	$4,498	21%
66223	$4,500	21%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in Kansas?

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 Kansas?

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.

Methodology

Insure.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.

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Chris Kissell

Contributing Researcher

Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.