Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Illinois Best and cheapest companies for home and auto bundles in Illinois State Farm has the biggest auto and home bundling discount in Illinois at an average of 23%, and has the cheapest overall bundled rate at an average of $2,678 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell 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. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: April 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Illinois insurers to help you find the carriers that offer the most affordable rates after bundling.In Illinois, 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 23%. State Farm provides the lowest bundled rate in Illinois, with an average cost of $2,678 for combining your home and auto policies. Key Takeaways In Illinois, State Farm offers the biggest average discount of 23% on home and auto insurance bundles.Different companies offer varying discounts for bundling, so it’s worth shopping around.Where you live in the state can affect how much you save by bundling.Bundling is generally a good idea, but in a few situations, it might not save you money. How we picked the best companies for home and auto bundlingInsure.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 IllinoisWe ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Illinois.State FarmThe 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.NationwideThe average bundle discount at Nationwide is $1,097, or 27%. Without a bundle discount, customers pay $4,121 for coverage. After the bundle discount, customers pay $3,024 on average. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.American FamilyBundling 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-OwnersAuto-Owners offers an average bundle discount of $603, which is about 15%. Without the discount, the combined cost of home and auto insurance is $3,984. After applying the discount, the total cost drops to $3,381.Farmers InsuranceThe average bundle discount at Farmers Insurance is $1,078, or 20%. Before getting a bundle discount, customers see average rates of $5,453 for coverage. With the bundle discount, customers see average rates of $4,375. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and No. 8 in the Best Home Insurance Companies ranking.Compare home and auto bundles in IllinoisThe 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$2,678 4787.4A++23%77.91Nationwide$3,024 4286.6A27%77.9American Family$3,545 5085A19%69.45Auto-Owners$3,381 4981.2A++15%67.27Farmers Insurance$4,375 4382A20%67.1Allstate$4,265 3985A+16%64.46Travelers$7,700 4483.6A++10%52.82What company offers the cheapest home and auto bundles in Illinois?If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$1,985$1,501$3,486$2,678Nationwide$2,542$1,579$4,121$3,024Auto-Owners$2,321$1,663$3,984$3,381American Family$2,881$1,508$4,389$3,545Country Financial$3,621$1,466$5,087$4,005Allstate$1,470$3,583$5,053$4,265Farmers Insurance$3,260$2,193$5,453$4,375Travelers$7,146$1,405$8,551$7,700Most and least expensive ZIP codes for home and auto insurance bundles in IllinoisYour 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 Illinois.Most expensive ZIP codesThe 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 codeAverage auto and home after discountAverage difference60621$5,53720%60636$5,52620%60624$5,47319%60644$5,45520%60637$5,32820%60619$5,32020%60620$5,31720%60651$5,31620%60699$5,31419%60628$5,28620%Least expensive ZIP codesThe 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 codeAverage auto and home after discountAverage difference61704$3,18419%61701$3,23319%61705$3,26919%60014$3,30319%60097$3,31119%60012$3,33419%60503$3,34319%60124$3,36618%60050$3,36719%60506$3,36818% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Illinois? Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.It’s also possible that a company has the right coverage for one type of insurance but not for the other.Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.“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 bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered. MethodologyInsure.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 The best, cheapest car insurance in IllinoisCheapest car insurance in IllinoisIllinois car insurance calculatorNon-owner car insurance in Illinois: Which company has the cheapest rates?Cheapest SR-22 insurance in Illinois How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing 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. 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Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in IllinoisCompare home and auto bundles in IllinoisWhat company offers the cheapest home and auto bundles in Illinois?Most and least expensive ZIP codes for home and auto insurance bundles in IllinoisFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates