- Cheapest home and auto bundles in Kansas
- The companies offering the cheapest home and auto bundles in Kansas
- Biggest home and auto bundle discounts in Kansas
- How do home and auto bundles affect car insurance rates in Kansas?
- What are the best home and auto insurance companies in Kansas?
- Home and auto bundle insurance in Kansas cities
- How does bundling home and car insurance work?
- The pros and cons of home and auto insurance bundles
- Should you bundle home and auto insurance in Kansas?
- Methodology
- FAQs: Home and auto insurance bundling
Cheapest home and auto bundles in Kansas
The price you pay with a home and auto bundle depends on the base prices for the home and auto policies plus the amount discounted on each policy. The table below shows the average rates for home insurance and auto insurance and how much the total premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. is with and without the bundling discount.
The cheapest car and home bundles in Kansas are from State Farm, followed by American Family.
| Company | Home premium | Auto premium | Bundle premium | Without bundle premium |
|---|---|---|---|---|
| State Farm | $3,799 | $1,613 | $3,865 | $5,412 |
| American Family | $3,436 | $1,539 | $4,030 | $4,975 |
| Shelter Insurance | $3,370 | $2,052 | $4,511 | $5,422 |
| Iowa Farm bureau | $4,147 | $1,969 | $4,751 | $6,116 |
| Allstate | $3,633 | $3,617 | $6,307 | $7,250 |
| Farmers | $7,139 | $1,997 | $6,822 | $9,136 |
| Nationwide | $7,107 | $1,466 | $6,943 | $8,573 |
The companies offering the cheapest home and auto bundles in Kansas
State Farm
Our take: State Farm topped the list of auto insurance companies in a recent ranking, with customers giving it extremely high satisfaction scores. The company is also the top pick for home insurance, with customers giving it high marks for customer satisfaction, ease of service and for its various policy offerings. State Farm is the biggest property and casualtyLiability or loss resulting from an accident. insurance company in the nation.
American Family
Our take: American Family auto insurance customers give the company high marks for auto and home bundling and customer satisfaction. Eighty-eight percent of American Family customers who responded to an Insure.com survey gave it high marks for customer service and more than nine in 10 said they would recommend the company to others. American Family ranked second in J.D. Power’s 2023 overall home insurance satisfaction survey.
Biggest home and auto bundle discounts in Kansas
With an average of 29%, the largest discount for bundling home and auto insurance can be found at State Farm. In contrast, at only 13%, the smallest multi-policy discount of the companies reviewed belongs to Allstate.
| Company | Home and auto bundle discount |
|---|---|
| State Farm | 29% |
| Farmers | 25% |
| Iowa Farm bureau | 22% |
| American Family | 19% |
| Nationwide | 19% |
| Shelter Insurance | 17% |
| Allstate | 13% |
How do home and auto bundles affect car insurance rates in Kansas?
The table below displays Kansas auto insurance rates both before and after a bundling discount is applied. The cheapest price after the multi-policy discount belongs to American Family at $1,194. The most significant discount on auto is offered by American Family at 22%.
| Company | Auto premium before bundling | Auto premium after bundling | $ difference after bundling | % difference after bundling |
|---|---|---|---|---|
| American Family | $1,539 | $1,194 | $346 | 22% |
| Nationwide | $1,466 | $1,334 | $132 | 9% |
| State Farm | $1,613 | $1,340 | $274 | 17% |
| Farmers | $1,997 | $1,578 | $419 | 21% |
| Iowa Farm bureau | $1,969 | $1,661 | $308 | 16% |
| Shelter Insurance | $2,052 | $1,951 | $101 | 5% |
| Allstate | $3,617 | $2,896 | $721 | 20% |
What are the best home and auto insurance companies in Kansas?
When shopping for the right company for your home and auto insurance, it’s important to consider more than just bundling. You want a company that has a solid reputation as well as great rates. Below are the best home and auto insurance companies in Kansas overall based on our analysis of rates, financial stability and customer complaints.
| Company | AM Best | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|
| Shelter Insurance | A | 0.42 | $3,428 | 5.00 |
| American Family | A | 0.37 | $3,751 | 5.00 |
| Farmers | A | 0.54 | $4,811 | 4.29 |
| State Farm | A++ | 0.95 | $3,611 | 4.05 |
| Allstate | A+ | 0.9 | $4,188 | 3.88 |
| Nationwide | A+ | 0.87 | $7,395 | 2.85 |
| Company | AM Best | JD Power by state | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | A++ | 797 | 0.49 | $1,601 | 3.54 |
| Nationwide | A+ | 792 | 0.64 | $1,316 | 3.42 |
| Geico | A++ | 819 | 0.91 | $1,622 | 3.27 |
| State Farm | A++ | 833 | 0.7 | $1,976 | 3.26 |
| Progressive | A+ | 803 | 0.65 | $1,937 | 3.09 |
| Farmers | A | 819 | 0.8 | $1,992 | 2.89 |
| Shelter Insurance | A | 851 | 1.18 | $2,230 | 2.7 |
| Allstate | A+ | 806 | 0.65 | $2,968 | 2.55 |
Home and auto bundle insurance in Kansas cities
Where you live in Kansas will impact what you pay for an auto and home insurance bundle. Take a look at average home and auto insurance bundles by city below.
| City | Auto & home after discount | Auto & home before discount | $ Difference | % Difference |
|---|---|---|---|---|
| Andover | $4,059 | $5,712 | $1,653 | 29% |
| Atchison | $3,668 | $5,093 | $1,425 | 28% |
| Basehor | $3,644 | $4,776 | $1,133 | 24% |
| Beloit | $3,953 | $4,754 | $801 | 17% |
| Clay Center | $4,080 | $5,256 | $1,176 | 22% |
| Fort Riley | $3,953 | $4,754 | $801 | 17% |
| Kansas City | $5,511 | $6,499 | $987 | 15% |
| Lenexa | $3,897 | $4,992 | $1,097 | 22% |
| Wichita | $5,197 | $6,290 | $1,093 | 17% |
How does bundling home and car insurance work?
The concept of bundling is pretty basic. You buy more than one type of insurance from the same company and, in exchange for the increased business, the insurance company gives you a discount. And there’s an additional benefit for the insurer for offering bundles: Customers who bundle are more likely to renew their policies.
You typically get discounts on both car insurance and home insurance when you bundle coverage. The discount isn’t equal for both policies. Each insurer has its own discount formulas. Companies may offer a bigger discount on one than the other.
The pros and cons of home and auto insurance bundles
The biggest benefit of bundling your home and auto insurance is a decreased premium.
But keep in mind that you won't always save money bundling. You could find a provider with a low price on one of the two policies, which could result in better savings than a bundle. Here’s how that works:
- If you currently pay $1,000 for car insurance from one insurer and $1,200 for home insurance from another, that's a total of $2,200.
- But let's say you decide to buy your home insurance from your auto insurer. The cost for the new home insurance policy is $1,500, or $300 more than your current cost.
- Your total rate under the bundle would be $2,500, a $300 increase.
- That means you'd need a bundle discount of at least $400 or so to lower the total bundle rate enough to save money compared to the price you currently pay for separate policies.
That's why you should compare home and auto insurance bundle quotes to what you're paying for separate policies. Rates on bundles aren't always lower.
Should you bundle home and auto insurance in Kansas?
Prior to signing up for an auto and home bundle, it’s important to shop around. Bundling your car and homeowners insurance has many advantages; you only have to deal with a single company and with a single bill, and you typically get a discount on both policies. Yet bundling isn’t always the best deal.
Some companies have cheap car insurance rates but less competitive home insurance rates, and vice versa. You might pay less overall by choosing two different companies for your insurance.
Shop around and evaluate Kansas car insurance rates on an individual basis and with a bundling discount to make sure you’re getting the best deal before you buy.
Methodology
In the spring of 2023, Insurance.com analyzed rate and discount data from Quadrant Data Services. The rates, from 2022, are the most recent available to Insurance.com and are based on a 40-year-old male driver with a 12-mile daily commute, good credit and a clean driving history. Rates were fielded for a full-coverage policy (100/300/100 with a $500 collision and comprehensive deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim.). Homeowners insurance rates are based on $300,000 in dwelling coverage with $300,000 in liability and a $1,000 deductible.
FAQs: Home and auto insurance bundling
Below are answers to common questions about bundling home and auto bundles and other multi-policy discounts that can save you money on your insurance.
How do I cancel my insurance and bundle with another company?
You should have your new policy ready to go first, as you want to avoid a lapseWhen your auto insurance coverage ends because you missed a payment or did not renew it on time. A lapse in auto insurance coverage may result in paying higher premiums for a new policy. in coverage. Once you have the new policy start date, give your car or homeowners insurance company at least a 30-day notice of your cancellation. You can set the start date of your new policy for the day your old policy ends. By doing so, you'll ensure that your former company will stop billing you by the time your new policy is in effect. You'll also prevent any coverage gaps between the canceled policy and the new one.
Is there a limit on how many policies can be bundled?
Typically, you can purchase as many insurance policies as you want from the same company. However, that doesn’t mean you can take advantage of a bundling discount with every policy you buy. There may be a limit on the number of policies you can bundle with one company. For instance, you might only qualify for a bundling discount on the three most expensive policies. You should speak with an agent from your insurance company to learn more about the possible restrictions.
What type of insurance policies can I bundle?
Multi-policy discounts can also apply to other types of insurance policies that you buy from the same insurance company. Depending upon the insurer, you may also be able to bundle these types of insurance policies:
- Condo
- Renters
- Motorcycle
- RV
- Life
Some auto insurance companies don't write homeowners insurance, but some may align themselves with a home insurer to offer a discount. Ask your agent or customer service representative to see if you can bundle multiple insurance policies.
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