Best and cheapest companies for home and auto bundles in Wisconsin

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When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Wisconsin to identify which ones provide significant savings when combining multiple coverage types.

State Farm provides the highest percentage discount on home and auto insurance premiums in Wisconsin when you bundle your policies. By choosing this insurer, you can save an average of 24% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Wisconsin. When you bundle your policies, you can expect to pay an average of $2,083.

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 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 Wisconsin

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 Wisconsin for home and auto bundling.

State Farm

State Farm offers a 24% bundle discount, which amounts to an average savings of $672. The combined cost of home and auto insurance before the discount is $2,755, and after the discount, it drops to $2,083.

American Family

The average bundle discount at American Family is $466, or 16%. Without a bundle discount, customers pay $2,866 for coverage. After the bundle discount, customers pay $2,400 on average. American Family ranked at No. 9 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

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

The average bundle discount at Farmers Insurance is $659, which is a 19% savings. The cost of home and auto insurance before the discount is $3,422, but it lowers to $2,763 after applying the discount.

Allstate

Allstate provides an average bundle discount of $561, or 16%. Before the discount, the average cost for coverage is $3,511. After applying the discount, the cost comes down to $2,950.

Compare home and auto bundles in Wisconsin

Bundling your home and auto insurance in Wisconsin can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

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?

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	$1,568	$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

Your 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 Wisconsin.

Most expensive ZIP codes

The most expensive ZIP code in Wisconsin for bundling home and auto insurance is 53206, with an average cost of $3,347. Here are the 10 most expensive ZIP codes:

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 home and auto insurance bundling is 53081 at an average rate of $2,153. See the 10 least expensive ZIP codes below.

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

Washington, D.C.$2,506/Year

West Virginia$2,361/Year

Wyoming$2,619/Year

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.

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