Best and cheapest companies for home and auto bundles in Illinois

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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 Illinois 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 Illinois when you bundle your policies. By choosing this insurer, you can save an average of 23% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Illinois. When you bundle your policies, you can expect to pay an average of $2,678.

Key Takeaways

In Illinois, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 23%.
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

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.

Our recommendation for the best home and auto bundles in Illinois

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 Illinois.

State Farm

The average bundle discount at State Farm is $808, or 23%. Before the bundle discount is added, the average cost of home and auto insurance is $3,486. After getting a bundle discount, the cost drops to $2,678. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Nationwide

Nationwide offers an average bundle discount of $1,097, or 27%. Before the bundle discount, you’ll pay an average of $4,121, which will decrease to $3,024 after the discount is applied.

American Family

Bundling auto and home insurance with American Family can save an average of $844, or 19%. Without the discount, the coverage costs $4,389, but after the discount, it’s only $3,545.

Auto-Owners

The average bundle discount at Auto-Owners is $603, which is a 15% savings. The cost of home and auto insurance before the discount is $3,984, but it lowers to $3,381 after applying the discount.

Farmers Insurance

Farmers Insurance provides an average bundle discount of $1,078, or 20%. Before the discount, the average cost for coverage is $5,453. After applying the discount, the cost comes down to $4,375.

Compare home and auto bundles in Illinois

The amount you can save on home and auto insurance with a bundle in Illinois varies by company. Here is a breakdown of the rates and savings with top companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$2,678	47	87.4	A++	23%	77.91
Nationwide	$3,024	42	86.6	A	27%	77.9
American Family	$3,545	50	85	A	19%	69.45
Auto-Owners	$3,381	49	81.2	A++	15%	67.27
Farmers Insurance	$4,375	43	82	A	20%	67.1
Allstate	$4,265	39	85	A+	16%	64.46
Travelers	$7,700	44	83.6	A++	10%	52.82

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What company offers the cheapest home and auto bundle in Illinois?

State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,985	$1,501	$3,486	$2,678
Nationwide	$2,542	$1,579	$4,121	$3,024
Auto-Owners	$2,321	$1,663	$3,984	$3,381
American Family	$2,881	$1,508	$4,389	$3,545
Country Financial	$3,621	$1,466	$5,087	$4,005
Allstate	$1,470	$3,583	$5,053	$4,265
Farmers Insurance	$3,260	$2,193	$5,453	$4,375
Travelers	$7,146	$1,405	$8,551	$7,700

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

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in Illinois for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 60621 in Illinois has the highest average cost for bundling home and auto insurance, at $5,537. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
60621	$5,537	20%
60636	$5,526	20%
60624	$5,473	19%
60644	$5,455	20%
60637	$5,328	20%
60619	$5,320	20%
60620	$5,317	20%
60651	$5,316	20%
60699	$5,314	19%
60628	$5,286	20%

Least expensive ZIP codes

The least expensive ZIP code in Illinois for home and auto insurance bundling is 61704 at an average rate of $3,184. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
61704	$3,184	19%
61701	$3,233	19%
61705	$3,269	19%
60014	$3,303	19%
60097	$3,311	19%
60012	$3,334	19%
60503	$3,343	19%
60124	$3,366	18%
60050	$3,367	19%
60506	$3,368	18%

Frequently asked questions about home and auto bundle insurance

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

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“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 Illinois?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

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.