Best and cheapest companies for home and auto bundles in Minnesota

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Bundling your home and auto insurance in Minnesota can help lower your overall costs, but the best option depends on whether you’re focused on getting the biggest discount or the lowest final premium. On average, State Farm delivers the highest percentage savings, while Auto Club Group – ACG (AAA) offers the most affordable bundled rates.

Because insurers price bundles differently, it’s important to compare multiple companies. The right fit depends on your home value, driving profile and where you live within Minnesota.

What you need to know about bundling in Minnesota

Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.
State Farm offers the biggest bundle discount in Minnesota, saving an average of 25%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within Minnesota plays a major role in how much you’ll actually save
Bundling is often cheaper and more convenient, but it’s not always the best deal

Which companies offer the best home and auto bundles in Minnesota? Here’s our pick

Auto Club Group – ACG (AAA), Auto-Owners and State Farm rank among the best home and auto bundle companies in Minnesota, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Minnesota:

Auto Club Group – ACG (AAA)

The average bundle discount at Auto Club Group – ACG (AAA) is $688, or 17%. Most Auto Club Group – ACG (AAA) policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $4,124.

Auto-Owners

The average bundle discount at Auto-Owners is $428, or 8%. For policyholders who carry both home and auto with Auto-Owners, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $5,374 for coverage.

State Farm

The average bundle discount at State Farm is $1,477, or 25%. Policyholders who bundle with State Farm manage both policies together, with one renewal date and a single team handling any claims. Without the bundle discount, the average rate for home and auto is $6,025.

North Star Mutual

The average bundle discount at North Star Mutual is $1,150, or 15%. Before the discount, the average cost of home and auto insurance is $7,797.

People also ask:

Who has the cheapest home and auto bundle in Minnesota?

Auto Club Group – ACG (AAA) typically provides the most affordable home and auto bundle in Minnesota, with average premiums around $3,436.

How much can you save by bundling home and auto insurance in Minnesota?

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

How do home and auto bundle rates compare in Minnesota?

Home and auto bundle rates in Minnesota vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

Here’s how rates and savings compare across top insurers in Minnesota:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Auto Club Group – ACG (AAA)	A	A	$2,054	$2,070	0.68	0.89	$3,436	4.15
Auto-Owners	A+	A+	$2,368	$3,006	0.44	0.39	$4,946	3.94
State Farm	A+	A+	$2,824	$3,201	0.87	1.15	$4,548	3.54
North Star Mutual	A+	A+	$5,523	$2,274	0.08	0.18	$6,647	3.50

Bundle savings can vary more than you expect

Two insurers may offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in Minnesota?

Auto Club Group – ACG (AAA) is the most affordable option for home and auto bundles in Minnesota, based on total premium. On the other hand, State Farm is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

Here’s how the cheapest bundle options compare in Minnesota:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Auto Club Group – ACG (AAA)	$2,070	$2,054	$4,124	$3,436
State Farm	$3,201	$2,824	$6,025	$4,548
Auto-Owners	$3,006	$2,368	$5,374	$4,946
North Star Mutual	$2,274	$5,523	$7,797	$6,647

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price, check three things: the liability limits, the deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t a better deal – it’s a more expensive one the moment you need to use it.

Which ZIP codes are most and least expensive in Minnesota?

The most expensive ZIP code for bundled home and auto insurance in Minnesota is 55411, with average rates of $6,010, while the least expensive is 55807, where premiums drop to $4,149. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing both base premiums and available discounts.

Top ten most expensive ZIP codes

The most expensive ZIP code in Minnesota for home and auto insurance bundling is 55411 at an average rate of $6,010.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
55411	$6,010	$1,096	15%
55412	$5,975	$1,094	15%
55404	$5,936	$1,087	15%
55408	$5,908	$1,083	15%
55407	$5,899	$1,083	16%
55454	$5,843	$1,068	15%
55430	$5,811	$1,069	16%
55415	$5,780	$1,062	16%
55401	$5,778	$1,062	16%
55101	$5,773	$1,031	15%

Top ten cheapest ZIP codes

The least expensive ZIP code in Minnesota for home and auto insurance bundling is 55807 at an average rate of $4,149.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
55807	$4,149	$755	15%
55920	$4,162	$788	16%
55806	$4,166	$758	15%
55802	$4,174	$758	15%
55812	$4,177	$755	15%
55805	$4,178	$759	15%
55811	$4,183	$758	15%
55804	$4,216	$763	15%
55810	$4,216	$766	15%
55808	$4,235	$766	15%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Minnesota by city

See rates in your city

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. We also reviewed bundle discount percentages based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 4 companies and 100 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Minnesota can help reduce costs and simplify policy management, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in Minnesota?

Switching to a bundle is straightforward. Many people make the change when one of their policies is up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in Minnesota? Here's our pick
How do home and auto bundle rates compare in Minnesota?
What is the cheapest home and auto bundles in Minnesota?
Which ZIP codes are most and least expensive in Minnesota?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Minnesota