Best and cheapest companies for home and auto bundles in Wisconsin

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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 Wisconsin 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 Wisconsin when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 24%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Wisconsin. On average, you will pay $2,083 when you bundle.

Key Takeaways

In Wisconsin, State Farm offers the biggest average discount of 24% 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 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 an average bundle discount of $672, which is a 24% savings on your premiums. Before the discount, the combined home and auto insurance cost is $2,755, and after applying the bundle discount, the total cost drops to $2,083.

American Family

American Family offers an average bundle discount of $466, or 16%. Before the bundle discount, you’ll pay an average of $2,866, which will decrease to $2,400 after the discount is applied.

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, or 19%. Before the discount is added, the average cost of home and auto insurance is $3,422. After adding the bundle discount, the average cost is $2,763. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and at No. 8 in the Best Home Insurance Companies ranking.

Allstate

The average bundle discount at Allstate is $561, or 16%. Before getting a bundle discount, customers see average rates of $3,511 for coverage. With the bundle discount, customers see average rates of $2,950. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

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

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What company offers the cheapest home and auto bundles in Wisconsin?

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

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

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 Wisconsin for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 53206 in Wisconsin has the highest average cost for bundling home and auto insurance, at $3,347. See the top 10 most expensive ZIP codes below.

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 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 Wisconsin?

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.

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.