Best and cheapest companies for home and auto bundles in Minnesota

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Minnesota insurers to help you find the carriers that offer the most affordable rates after bundling.

In Minnesota, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 27%.

State Farm provides the lowest bundled rate in Minnesota, with an average cost of $2,949 for combining your home and auto policies.

Key Takeaways

In Minnesota, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 27%.
Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.
Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.
Bundling is usually a smart move, but sometimes it might not be the best option.

How we picked the best companies for home and auto bundling

In 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Minnesota

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in Minnesota.

State Farm

State Farm offers a 27% bundle discount, which amounts to an average savings of $1,076. The combined cost of home and auto insurance before the discount is $4,025, and after the discount, it drops to $2,949.

American Family

The average bundle discount at American Family is $693, or 16%. Without a bundle discount, customers pay $4,244 for coverage. After the bundle discount, customers pay $3,551 on average. American Family ranked at No. 9 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Auto-Owners

The average bundle discount at Auto-Owners is $287, or 8%. Without the bundle discount, the average cost of coverage is $3,652. After the bundle discount, that cost goes down to $3,365. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and No. 3 in the Best Home Insurance Companies ranking.

Farmers Insurance

The average bundle discount at Farmers Insurance is $779, which is a 16% savings. The cost of home and auto insurance before the discount is $4,821, but it lowers to $4,042 after applying the discount.

Compare home and auto bundles in Minnesota

Bundling your home and auto insurance in Minnesota can help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$2,949	47	87.4	A++	27%	82.03
American Family	$3,551	50	85	A	16%	65.57
Auto-Owners	$3,365	49	81.2	A++	8%	60.96
Farmers Insurance	$4,042	43	82	A	16%	60.82

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

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	$2,568	$1,457	$4,025	$2,949
Automobile Club MI (AAA)	$1,710	$2,208	$3,918	$3,203
Auto-Owners	$1,574	$2,078	$3,652	$3,365
American Family	$2,780	$1,464	$4,244	$3,551
Western National Mutual	$1,746	$2,763	$4,509	$4,003
Farmers Insurance	$2,608	$2,213	$4,821	$4,042
North Star Mutual	$2,312	$3,065	$5,377	$4,612

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

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Minnesota.

Most expensive ZIP codes

The most expensive ZIP code in Minnesota for home and auto insurance bundling is 55106 at an average rate of $4,160. See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
55106	$4,160	16%
55130	$4,141	16%
55103	$4,104	16%
55101	$4,093	15%
55411	$4,077	16%
55104	$4,004	16%
55117	$3,994	16%
55404	$3,992	16%
55455	$3,982	16%
55107	$3,979	16%

Least expensive ZIP codes

The least expensive ZIP code in Minnesota for bundling home and auto insurance is 55920, with an average cost of $3,172. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
55920	$3,172	16%
56544	$3,181	16%
56511	$3,215	16%
55805	$3,222	16%
56720	$3,239	16%
55802	$3,267	16%
55811	$3,275	16%
55718	$3,278	16%
55812	$3,278	16%
56236	$3,289	16%

Frequently asked questions about bundling home and auto insurance

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

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 Minnesota?

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.