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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 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 also 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 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 help determine 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

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.

Insure.com’s choice: Best companies for 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 getting a bundle discount, you will pay $3,486 for coverage. After getting a bundle discount, you are likely to pay $2,678. State Farm ranked 6 in our Best Auto Insurance Companies ranking and 4 in the Best Home Insurance Companies ranking.

Nationwide

The average bundle discount at Nationwide is $1,097, or 27%. Before getting a bundle discount, you will pay $4,121 for coverage. After getting a bundle discount, you are likely to pay $3,024. Nationwide ranked 4 in our Best Auto Insurance Companies ranking and 7 in the Best Home Insurance Companies ranking.

American Family

The average bundle discount at American Family is $844, or 19%. Before getting a bundle discount, you will pay $4,389 for coverage. After getting a bundle discount, you are likely to pay $3,545. American Family ranked 9 in our Best Auto Insurance Companies ranking and 5 in the Best Home Insurance Companies ranking.

Auto-Owners

The average bundle discount at Auto-Owners is $603, or 15%. Before getting a bundle discount, you will pay $3,984 for coverage. After getting a bundle discount, you are likely to pay $3,381. Auto-Owners ranked 2 in our Best Auto Insurance Companies ranking and 3 in the Best Home Insurance Companies ranking.

Farmers Insurance

The average bundle discount at Farmers Insurance is $1,078, or 20%. Before getting a bundle discount, you will pay $5,453 for coverage. After getting a bundle discount, you are likely to pay $4,375. Farmers Insurance ranked 12 in our Best Auto Insurance Companies ranking and 8 in the Best Home Insurance Companies ranking.

Home and auto insurance bundle comparison 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.

CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall Rating
State Farm$2,678 4787.4A++23%77.91
Nationwide$3,024 4286.6A27%77.9
American Family$3,545 5085A19%69.45
Auto-Owners$3,381 4981.2A++15%67.27
Farmers Insurance$4,375 4382A20%67.1
Allstate$4,265 3985A+16%64.46
Travelers$7,700 4483.6A++10%52.82

What company provides the cheapest home and auto bundles in Illinois?

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

CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium 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

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Illinois by city

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 most expensive ZIP code in Illinois for home and auto insurance bundling is 60621 at an average rate of $5,537. See the 10 most expensive ZIP codes below.

ZIP codeAverage auto and home after discountAverage difference
60621$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 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 codeAverage auto and home after discountAverage difference
61704$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 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.

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
Florida$3,408/Year
Georgia$3,022/Year
Indiana$2,437/Year
Iowa$2,564/Year
Kentucky$3,465/Year
Louisiana$3,987/Year
Maryland$2,935/Year
Michigan$3,651/Year
Minnesota$2,949/Year
Mississippi$3,255/Year
Missouri$3,393/Year
Nevada$2,442/Year
New York$3,450/Year
North Carolina$1,823/Year
Ohio$2,229/Year
Oklahoma$4,641/Year
Oregon$1,701/Year
Pennsylvania$2,589/Year
South Carolina$2,766/Year
Tennessee$2,843/Year
Utah$1,972/Year
Virginia$1,995/Year
Washington$1,762/Year
Wisconsin$2,083/Year
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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.