AAA earns a 4.8/5 MoneyGeek score and offers the lowest annual bundled rate in Minnesota at $2,781 per year, making it the top choice for most homeowners seeking a home and auto bundle. I analyzed 550 quotes across 11 Minnesota ZIP codes to rank providers on a weighted mix of affordability, customer satisfaction and coverage quality. State Farm leads on bundle discount percentage at 27%, saving policyholders $1,258 annually, the most dollar savings of any provider in the state. Minnesota's top bundle providers rank competitively against the best home and auto insurance bundles nationally, with AAA's 4.8/5 score placing it among the highest-rated carriers in MoneyGeek's full 50-state analysis.
Best Home and Auto Insurance Bundle in Minnesota
Updated: May 11, 2026
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Key Takeaways
AAA is the best home and auto bundle insurer in Minnesota with a 4.80 out of 5 MoneyGeek score and the lowest annual bundled rate at $2,781 per year.
State Farm offers the biggest bundle discount in Minnesota at 27%, saving policyholders $1,258 per year, the highest dollar savings among all providers analyzed.
A bigger bundle discount does not guarantee the lowest total bill: State Farm's 27% discount still results in a $3,401 annual premium, while AAA's 14% discount produces the cheapest bundle at $2,781 per year in Minnesota.
Best Home and Auto Insurance Bundle in Minnesota
| AAA | 4.8 | $2,781 | 14% |
| State Farm | 4.73 | $3,401 | 27% |
| Farmers | 4.6 | $3,922 | 17% |
| Allstate | 4.51 | $4,498 | 11% |
| Westfield Insurance | 4.28 | $4,460 | 14% |
To learn more about how I rank the top home and auto insurance bundles, see our methodology.
Top 3 Home and Auto Bundle Companies in Minnesota
The top three home and auto bundle providers in Minnesota are AAA, State Farm and Farmers. AAA leads on price with the lowest annual bundle at $2,781, making it the most affordable option for Minnesota homeowners. State Farm ranks highest for bundle discount percentage at 27%, saving policyholders $1,258 per year. Farmers earns its place with the strongest coverage score among the top three, an important consideration given Minnesota's frequent severe hail events in the Twin Cities metro and southern counties, tornado exposure in western Minnesota and the statewide risk of ice dams and frozen pipes during harsh winters.
AAA
MoneyGeek Rating
4.8/ 5
5/5Affordability
3.5/5Customer Experience
3.3/5Coverage
Annual Bundle Premium
$2,781Monthly Bundle Premium
$232Bundle Savings
14%
State Farm
MoneyGeek Rating
4.7/ 5
4/5Affordability
3.9/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$3,401Monthly Bundle Premium
$283Bundle Savings
27%
Farmers
MoneyGeek Rating
4.6/ 5
3.2/5Affordability
3.7/5Customer Experience
4.4/5Coverage
Annual Bundle Premium
$3,922Monthly Bundle Premium
$327Bundle Savings
17%
Cheapest Home and Auto Bundle in Minnesota
AAA offers the cheapest home and auto bundle in Minnesota at $2,781 per year. State Farm provides the largest dollar savings at $1,258 per year through its 27% bundle discount, but its total annual premium of $3,401 is still $620 more than AAA's bundle. A high discount percentage doesn't guarantee the lowest total bill. Minnesota's standalone auto rates are part of what drives total bundle costs, and the average cost of car insurance in Minnesota shows how the auto component varies across the state's urban and rural ZIP codes.
| AAA | $2,781 | $454 |
| State Farm | $3,401 | $1,258 |
| Farmers | $3,922 | $812 |
| Westfield Insurance | $4,460 | $755 |
| Allstate | $4,498 | $564 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
Companies Offering the Biggest Bundle Discount in Minnesota
State Farm offers the biggest bundle discount in Minnesota at 27%, saving policyholders $1,258 per year, the most dollar savings of any provider in my analysis. Despite this large discount, State Farm's total annual bundle premium of $3,401 remains $620 higher than AAA's $2,781, which carries only a 14% discount. Minnesota shoppers should compare total premiums, not just discount percentages, when evaluating bundle value.
| State Farm | 27% | $1,258 | $3,401 |
| Farmers | 17% | $812 | $3,922 |
| Westfield Insurance | 14% | $755 | $4,460 |
| AAA | 14% | $454 | $2,781 |
| Allstate | 11% | $564 | $4,498 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
How to Get Cheap Home and Auto Insurance Bundle in Minnesota
Minnesota homeowners deal with two distinct cost pressures: severe hail and tornado exposure in the Twin Cities metro and southern counties drives home insurance premiums higher, while harsh winters statewide, including ice dams, frozen pipes and heavy snow loads, add further to annual home insurance costs. The strategies below can help lower your total bundled cost.
- 1Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can lower your annual home premium, a worthwhile tradeoff in Minnesota where hail and winter storm claims are common and base rates reflect that risk. The same logic applies to your auto comprehensive and collision deductibles. Before switching, confirm you have enough cash reserves to cover the higher out-of-pocket cost if you need to file a claim, so a summer hailstorm or winter fender bender doesn't create a financial hardship.
- 2Try a Telematics Auto Program
Telematics programs track driving behaviors like speed, hard braking and mileage and can lower your auto rate based on safe driving habits. State Farm's Drive Safe & Save program is available to Minnesota policyholders and can produce discounts that stack on top of the bundle savings you're already receiving. For Minnesota bundlers already saving $1,258 per year with State Farm's discount, adding a telematics program is one of the fastest ways to reduce the auto portion of your total premium further.
- 3Add Hail- and Winter-Resistant Home Features
Minnesota's twin cost drivers are hail and winter storm damage. Impact-resistant roofing materials rated Class 3 or Class 4 can qualify you for hail mitigation discounts with several Minnesota providers, including AAA and Farmers. Pipe insulation, proper attic ventilation to prevent ice dams and roof reinforcement for heavy snow loads can also qualify for home insurance credits at renewal. These discounts stack with your bundle savings, compounding your total reduction over time.
- 4Compare Quotes When Your Policy Renews
The annual bundled premium spread in my Minnesota analysis runs from $2,781 with AAA to $4,498 with Allstate, a difference of $1,717 per year for comparable coverage. Comparing bundled quotes at renewal takes less time than most homeowners expect and can produce real, recurring savings. Minnesota's hail season can trigger rate adjustments across the market, so the cheapest option at your last renewal may not be the cheapest today.
Home and Auto Insurance Bundle in Minnesota: FAQ
Here are answers to the questions Minnesota residents ask most about bundling home and auto insurance.
Does Minnesota's severe weather affect home and auto bundle rates?
Yes. Minnesota's dual exposure to severe hail in the Twin Cities metro and southern counties, and harsh winter weather statewide, is the primary driver of home insurance premiums above the national average, which raises the total cost of a bundled policy. My analysis of 550 quotes across 11 Minnesota ZIP codes found annual bundled premiums ranging from $2,781 to $4,498, with home insurance being the primary variable across providers. The best homeowners insurance in Minnesota breaks down how those costs vary by ZIP code and carrier across the state's most and least exposed hail and winter storm regions.
Should I bundle home and auto insurance in Minnesota?
Yes. Bundling home and auto insurance in Minnesota is worth it for most policyholders. My analysis shows bundle discounts ranging from 11% to 27%, with annual savings between $454 and $1,258 depending on the provider. Even at the lower end, bundling reduces total costs and simplifies billing and claims with a single insurer. Minnesota's bundle savings are strong relative to most Midwest states, and the best home and auto insurance bundles nationally show that Minnesota's top carriers compete well on both discount size and total premium.
Which company has the best bundle in Minnesota for homeowners who want more coverage?
Farmers is the strongest choice for Minnesota homeowners who prioritize coverage breadth, earning the highest bundled coverage score of 4.4/5 among the top three providers. Its auto coverage score of 4.8/5 is the strongest in the group, and its home policies cover both hail and winter storm perils well. The tradeoff is a higher annual bundled premium of $3,922 compared to AAA's $2,781. The Farmers auto insurance review covers the full range of coverage features and endorsement options for Minnesota bundlers weighing price against protection depth.
Which company has the best bundle in Minnesota for the biggest discount?
State Farm offers the largest bundle discount in Minnesota at 27%, saving policyholders $1,258 per year, the highest dollar savings of any provider in my analysis. State Farm also earns the strongest customer satisfaction score among the top three at 3.9/5 and holds an AM Best A++ rating. Its total annual bundle premium of $3,401 is $620 more than AAA's, so policyholders who prioritize the largest discount over the lowest total bill will find State Farm the strongest option.
Can I still get a bundle discount in Minnesota if I have a prior claim?
Yes. A prior claim doesn't disqualify you from a bundle discount in Minnesota. The multi-policy discount is applied based on holding both home and auto policies with the same carrier, not on your claims history. A prior claim may raise your base premium, which increases the total bundled cost even if the discount percentage stays the same. Shopping multiple carriers at renewal is especially important after a claim, since pricing varies across Minnesota's top providers by more than $1,700 per year.
How do I know if my bundle discount is actually saving me money?
The most reliable way to verify your bundle savings is to get separate quotes for home and auto from the same carrier and compare the combined total to your bundled rate. The difference is your actual dollar savings. My Minnesota data shows that State Farm's 27% discount saves $1,258 per year, while AAA's 14% discount saves $454, yet AAA's total bundled premium of $2,781 is still $620 less than State Farm's $3,401. Always compare total annual premiums across providers, not just discount percentages or dollar savings figures in isolation.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!