Best and cheapest companies for home and auto bundles in Illinois

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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 is the best home and auto bundle insurance provider, offering an average discount of 23%.
Some companies offer bigger savings for bundling than others, so it pays to shop around.
Where you live within the state will impact how much you can save by bundling.
Bundling usually makes sense, but there are situations where this might not be the case.

How we picked the best companies for home and auto bundling

In 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Illinois

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Illinois for home and auto bundling.

State Farm

State Farm offers an average bundle discount of $808, which is a 23% savings on your premiums. Before the discount, the combined home and auto insurance cost is $3,486, and after applying the bundle discount, the total cost drops to $2,678.

Nationwide

Nationwide offers an average discount of $1,097 when you bundle your auto and home insurance, which is about 27%. Without the discount, the average cost is $4,121, but with the discount, the price drops to $3,024.

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, or 15%. Before the discount is added, the average cost of home and auto insurance is $3,984. After adding the bundle discount, the average cost is $3,381. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and at No. 3 in the Best Home Insurance Companies ranking.

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 bundles in Illinois?

If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.

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

The ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Illinois for bundling insurance.

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.