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: September 8, 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. 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 Illinois 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 Illinois when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 23%. Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Illinois. On average, you will pay $2,678 when you bundle. 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.NationwideNationwide 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 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 IllinoisBundling your home and auto insurance in Illinois can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading 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%52.82Powered by: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.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$7,700Powered by:Most and least expensive ZIP codes for home and auto insurance bundles in IllinoisThe 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 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%Powered by:Least expensive ZIP codesThe most affordable ZIP code in Illinois for bundling home and auto insurance is 61704, with an average rate of $3,184. Below are the 10 least expensive ZIP codes.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%Powered by: 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. 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 Average car insurance cost in IllinoisCheapest car insurance in IllinoisCheapest SR-22 insurance in IllinoisDo you need insurance to register a car in Illinois?How long does a speeding ticket stay on your record in IllinoisHow much is gap insurance in IllinoisIllinois car insurance calculatorNon-owner car insurance in Illinois: Which company has the cheapest rates?The best, cheapest car insurance in Illinois Chris 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. He is based in Denver.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/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow more In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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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 home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330