Best and cheapest companies for home and auto bundles in Wisconsin

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When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Wisconsin to determine which will give you the biggest price break when you purchase multiple types of coverage.

State Farm offers the biggest percentage break on your home and auto premiums in Wisconsin when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 24%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Wisconsin. On average, you will pay $2,083 when you bundle.

Key Takeaways

In Wisconsin, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 24%.
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 analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre- and post-bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Wisconsin

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 Wisconsin.

State Farm

The average bundle discount at State Farm is $672, or 24%. Before the bundle discount is added, the average cost of home and auto insurance is $2,755. After getting a bundle discount, the cost drops to $2,083. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

American Family

American Family offers an average discount of $466 when you bundle your auto and home insurance, which is about 16%. Without the discount, the average cost is $2,866, but with the discount, the price drops to $2,400.

Nationwide

Bundling auto and home insurance with Nationwide can save an average of $414, or 15%. Without the discount, the coverage costs $2,690, but after the discount, it’s only $2,276.

Farmers Insurance

Farmers Insurance offers an average bundle discount of $659, which is about 19%. Without the discount, the combined cost of home and auto insurance is $3,422. After applying the discount, the total cost drops to $2,763.

Allstate

The average bundle discount at Allstate is $561, or 16%. Before getting a bundle discount, customers see average rates of $3,511 for coverage. With the bundle discount, customers see average rates of $2,950. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Compare home and auto bundles in Wisconsin

Bundling your home and auto insurance in Wisconsin 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	$2,083	47	87.4	A++	24%	82.03
American Family	$2,400	50	85	A	16%	64.89
Nationwide	$2,276	42	86.6	A	15%	64.17
Farmers Insurance	$2,763	43	82	A	19%	62.88
Allstate	$2,950	39	85	A+	16%	57.83
Auto-Owners	$2,903	49	81.2	A++	11%	53.66

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

State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,568	$1,187	$2,755	$2,083
Nationwide	$1,449	$1,241	$2,690	$2,276
American Family	$1,668	$1,198	$2,866	$2,400
Farmers Insurance	$1,595	$1,827	$3,422	$2,763
Auto-Owners	$1,814	$1,465	$3,279	$2,903
Allstate	$1,084	$2,427	$3,511	$2,950

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

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 Wisconsin for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 53206 in Wisconsin has the highest average cost for bundling home and auto insurance, at $3,347. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
53206	$3,347	17%
53216	$3,343	17%
53218	$3,246	17%
53205	$3,229	17%
53212	$3,208	17%
53210	$3,187	17%
53208	$3,135	17%
53204	$3,129	17%
53209	$3,109	17%
53233	$3,070	17%

Least expensive ZIP codes

The least expensive ZIP code in Wisconsin for bundling home and auto insurance is 53081, with an average cost of $2,153. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
53081	$2,153	17%
54301	$2,169	17%
54313	$2,174	17%
54311	$2,174	17%
54303	$2,179	17%
53083	$2,180	17%
54304	$2,185	17%
54302	$2,195	17%
54915	$2,195	17%
54914	$2,215	17%

Frequently asked questions about bundling home and auto insurance

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

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 Wisconsin?

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.

You might find interesting

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

Arkansas$3,119/Year

California$2,866/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Idaho$1,993/Year

Illinois$2,678/Year

Indiana$2,437/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Mississippi$3,255/Year

Missouri$3,393/Year

Montana$3,188/Year

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Ohio$2,229/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Carolina$2,766/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Utah$1,972/Year

Vermont$1,553/Year

Virginia$1,995/Year

Washington$1,762/Year

West Virginia$2,361/Year

Wyoming$2,619/Year

Chris Kissell

Contributing Researcher

Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in Wisconsin
Compare home and auto bundles in Wisconsin
What company offers the cheapest home and auto bundles in Wisconsin?
Most and least expensive ZIP codes for home and auto insurance bundles in Wisconsin
Frequently asked questions about bundling home and auto insurance
Methodology