Best Home And Auto Insurance Bundles In Illinois 2025
State Farm is recognized for providing comprehensive coverage and substantial bundling discounts, making it a top choice for those seeking a balance between cost and coverage.
We’ve saved shoppers an average of $450 per year on their home insurance.
Looking for the best home and auto insurance bundles in Illinois? You’re in the right place. Bundling your policies with the same insurer can save the average Illinois homeowner up to 16% — or around $300 per year. That’s a smart way to lower your premiums without sacrificing coverage.
In this guide, I’ll break down the top-rated and most affordable bundle options in Illinois, using recent market data, customer reviews, and my own experience helping clients find value in the complex world of insurance.
You’ll see which insurers offer the biggest discounts, what to watch out for in bundled policies, and how to find the right fit based on your home, location, and driving profile.
Best Home And Auto Bundle Insurance In Illinois, 2025
Compare The Best Home And Auto Bundles In Illinois
| Overall Rating | Best For | A.M. Best Rating | J.D. Power Rating | Average Bundle Cost | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Overall |
A++ |
838 |
$2,280 |
Instant Quote |
| Allstate |
|
Runner-Up |
A+ |
809 |
$2,120 |
Instant Quote |
| Farmers |
|
Cheapest |
A |
813 |
$2,570 |
Instant Quote |
| Nationwide |
|
Add-On Captions |
A+ |
797 |
$2,664 |
Instant Quote |
| GEICO |
|
Discounts |
A++ |
801 |
$2,602 |
Instant Quote |
Best Home And Auto Insurance Bundles in Illinois 2025
Best Overall
Key Statistics
Why We Like Them
⇅State Farm is recognized as the leading company for home and auto insurance in Illinois, known for its exceptional financial stability and competitive rates. A.M. Best and S&P Global Ratings have given State Farm high ratings, underscoring its solid financial health. This reliability ensures that State Farm will promptly meet its policy obligations. Furthermore, State Farm provides annual premiums that are cheaper than average for many drivers, making it a financially advantageous option for Illinois residents.
Beyond its financial stability and affordability, State Farm distinguishes itself with a broad range of coverage options and personalized service, solidifying its leading position. Whether you need car, homeowners, or life insurance, or coverage for vehicles like ATVs or RVs, State Farm offers solutions that meet diverse needs. Moreover, their localized service guarantees nearby assistance, allowing you to personalize your insurance quote online or connect with a nearby agent.
State Farm’s position as the top choice in Illinois is supported by its strong commitment to providing exceptional customer experiences. Earning an impressive rating of 838 from J.D. Power, State Farm consistently exceeds policyholder expectations, showcasing its dedication to maintaining superior customer satisfaction.
It’s crucial to find the best home and auto insurance bundle in Illinois for your financial safety. The right company offers thorough coverage for your home and vehicle, your key assets. Bundling these policies can save you money, make insurance management easier, and provide the convenience of a single insurer.
Benefits & Drawbacks
⇅- Reasonable prices with bundles
- Excellent customer support
- Strong financial backing ✓
- No gap insurance included
- Claims can take time to resolve
- Few discount options ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅Allstate is an excellent choice for bundling home and auto insurance in Illinois, mainly because of its competitive rates. The company provides substantial savings opportunities through its bundle discounts, allowing Iowa residents to save up to 25% when they combine their home and auto policies.
Allstate’s unique HostAdvantage home-sharing insurance provides extra protection for homeowners who rent out their homes. Additionally, they offer a Responsible Payment Discount for customers with a good payment history. While customer satisfaction ratings are mixed, Allstate’s affordable rates and comprehensive coverage make it an attractive option for bundling home and auto insurance in Illinois.
Bundling home and auto insurance with a reputable company in Illinois is a strategic way to protect your assets. This decision not only puts all your coverage under one trusted provider but also offers significant savings, simpler policy management, and seamless claims processing. A highly rated insurer provides prompt and fair claim settlements along with outstanding customer support, giving you peace of mind.
Benefits & Drawbacks
⇅- Competitive rates
- Diverse range of coverage options
- Energy-efficient replacement coverage ✓
- Mixed customer reviews
- Slow claims processing
- Dependence on local agents ✘
Cheapest
Key Statistics
Why We Like Them
⇅Farmers is the top choice for affordable home and auto insurance bundling in Illinois. With premiums that are significantly lower than many other companies, it offers comprehensive coverage at an excellent price. Additionally, Farmers’ bundling option can save customers an average of 20% on their policies, increasing its affordability.
Besides competitive pricing, Farmers Insurance offers superior coverage and ample savings opportunities. Iowa residents can customize their policies with options such as dwelling, personal property, liability, and additional living expenses coverage for homes, along with comprehensive, collision, and liability coverage for autos. Farmers also provides various discounts based on policy and location, giving customers multiple ways to save.
Securing your assets with a reliable insurance company offering low rates for home and auto insurance bundles in Illinois is a strategic choice. This approach not only consolidates your protection with one provider but also unlocks significant savings and eases policy management.
Benefits & Drawbacks
⇅- Multiple discount options
- Comprehensive home and auto coverage
- Most affordable bundle premiums ✓
- Customer service may be unreliable
- Limited online features
- Higher costs for high-risk drivers ✘
Best For Add-Ons
Key Statistics
Why We Like Them
⇅Nationwide excels as a top option for bundled insurance in Illinois, thanks to its extensive range of add-ons. This includes smart home discounts, which can offer significant savings for homeowners with smart technology. Additionally, Nationwide offers term life and pet insurance as part of its bundles, providing broad coverage.
With Nationwide, add-ons provide added protection and convenience, including home rental coverage for temporary relocations due to covered losses. Moreover, bundling home and car insurance can save up to 20%, making Nationwide both comprehensive and affordable.
Settling for only basic home and auto insurance may leave you underinsured. It’s important to choose a bundle with a range of add-ons to ensure you’re fully covered. These additional features allow you to tailor your policy to your specific needs, offering more extensive protection. Add-ons like roadside assistance or flood coverage can be essential when unexpected issues arise.
Benefits & Drawbacks
⇅- Praised for superior customer service
- Provides over 10 optional coverage add-ons
- 20% savings with bundles ✓
- Online capabilities are limited
- Not the most competitive pricing
- Dependent on local agents ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅Choosing GEICO for your bundled insurance needs in Illinois allows you to save on home and auto coverage. With GEICO’s multi-policy discount, you get automatic savings when you combine auto insurance with homeowners, renters, condo, or mobile home policies. Additionally, GEICO offers special discounts for students, military members, and federal employees, catering to a wide range of clients.
GEICO not only provides generous discounts on bundled insurance but also offers several other ways to save. Insuring multiple cars with GEICO can result in up to a 25% discount on many of your auto insurance coverages. Additionally, you can benefit from discounts related to memberships, organizations, or employment, increasing your potential savings.
The savings from bundling home and auto insurance in Illinois are substantial. Companies offering numerous discounts help lessen your financial strain and show a dedication to customer satisfaction. Discounts like multi-policy, claims-free, and loyalty can result in a significant reduction in your annual premium.
Benefits & Drawbacks
⇅- Great online support for clients
- Competitive pricing
- Numerous policy discounts ✓
- Customer service has some reported concerns
- Unexpected increases in pricing can occur
- Fewer local offices to visit ✘
The Cheapest Non-Bundle Combinations In Illinois
Not every great insurance deal comes from bundling. In some cases, mixing and matching providers can yield a lower combined premium — especially if you’re only looking to switch one policy.
Here are some of the cheapest non-bundle combinations of auto and home insurance in Illinois:
| Auto Insurance Company | Home Insurance Provider | Annual Premium |
| Nationwide | Farmers | $2,890 |
| Farmers | Nationwide | $2,917 |
| Nationwide | Travelers | $2,939 |
| State Farm | Travelers | $2,390 |
| State Farm | Nationwide | $2,448 |
| Allstate | Nationwide | $2,733 |
| Travelers | Metropolitan | $2,790 |
| Farmers | Travelers | $2,860 |
| Nationwide | Allstate | $2,680 |
| Allstate | Travelers | $2,675 |
| Allstate | Metropolitan | $2,947 |
| Travelers | State Farm | $3,040 |
| Allstate | State Farm | $3,196 |
| Farmers | Allstate | $2,598 |
| Allstate | Farmers | $2,629 |
| State Farm | Metropolitan | $2,660 |
| Nationwide | State Farm | $3,455 |
| State Farm | Allstate | $2,128 |
| Travelers | Allstate | $2,259 |
| Farmers | State Farm | $3,373 |
| State Farm | Farmers | $2,340 |
Takeaways:
- State Farm + Allstate and Travelers + Allstate offer the lowest non-bundled costs.
- Pairings with Metropolitan tend to cost more, especially when combined with Allstate or Farmers.
- These options are ideal if you’re happy with your current home insurer but want to change your auto coverage (or vice versa).
Average Home And Auto Insurance Rates In Illinois – By City
Insurance costs vary widely depending on where you live in Illinois. Urban areas tend to have higher premiums due to factors like population density, traffic, and theft rates.
Below, we’ve broken down the average monthly cost of home and auto insurance (separately and bundled) in 10 major Illinois cities:
| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate Of Bundled Policies |
| Chicago | $200 | $208 | $283 |
| Aurora | $179 | $180 | $217 |
| Naperville | $163 | $176 | $217 |
| Rockford | $165 | $182 | $210 |
| Joliet | $169 | $176 | $227 |
| Springfield | $171 | $183 | $232 |
| Peoria | $173 | $198 | $252 |
| Elgin | $157 | $142 | $208 |
| Waukegan | $159 | $168 | $204 |
| Champaign | $153 | $163 | $192 |
Takeaways:
- Champaign has the most affordable bundle average ($192/month), followed by Waukegan and Elgin.
- Chicago is the most expensive — but also sees the biggest drop when bundling.
- Suburban cities like Naperville and Aurora offer a solid balance between lower premiums and decent bundle savings.
Reasons to Bundle Home and Auto Insurance in Illinois
Bundling your home and auto policies with the same insurer often leads to both savings and simplicity — two things Illinois homeowners value.
Save Big on Premiums
Many Illinois insurers offer bundle discounts up to 25%, according to Experian. That can amount to hundreds of dollars a year just for combining two policies with the same company.
Simplified Insurance Management
One company, one bill, one renewal date. Bundling eliminates the need to juggle multiple logins, payments, and customer service reps.
Better Customer Service
Bundled customers are often seen as more valuable. That can translate into faster claims processing, more personalized service, and even priority access to policy perks.
Reasons You Might Not Want to Bundle in Illinois
Bundling your home and auto insurance can offer great value — but it’s not always the right fit. Here’s why.
You Could Overpay for One Policy
Some insurers offer great auto rates but expensive homeowners insurance (or vice versa). Bundling can lock you into a higher price on one policy just to save on the other.
Less Flexibility in Choosing Providers
Bundling limits your ability to mix and match. One insurer might excel at auto, another at home — and bundling forces you to choose one.
Specialty Coverage May Not Be Available
If you need specialized coverage — like flood insurance, high-risk auto policies, or custom endorsements — not all bundled providers offer those options. You could end up sacrificing necessary protection just to keep things under one roof.
You Might Stop Shopping Around
Bundle discounts are designed to keep you loyal — often with auto-pay, renewals, and convenience incentives. That can lead to complacency and missed opportunities to find better coverage or lower prices elsewhere.
How To Bundle Home & Auto Insurance
Here are five steps to bundling your auto and home insurance easily and efficiently:
Determine Your Coverage Needs
To bundle your home and auto insurance, start by understanding your coverage needs. Assess the value of your home and car, decide on the necessary protection level, and consider specific coverage requirements based on your location or personal circumstances. This evaluation ensures you get the right protection.
Gather Information About Your Home And Vehicle
Once you’ve figured out your insurance needs, compile all the required details about your home and vehicle. This should encompass the age and condition of your home, any security features, the make and model of your car, your driving history, and other significant information. Insurance companies will use this data to offer precise quotes.
Compare Quotes From Different Insurers
With all your information gathered, start seeking quotes from a variety of insurance companies. You can either use online services or speak directly with an insurance agent. Make sure to get quotes from multiple insurers to get the best deal. Compare the prices and the coverage details, including any exclusions, to make an informed choice.
Review Each Offer Thoroughly
Once you have several quotes, carefully review them. Look at the details of coverage, deductibles, policy limits, and any additional benefits. Also, take into account the company’s reputation, their customer service history, and how they manage claims.
Make Your Purchase
After reviewing all the offers and selecting the bundle that suits you best, complete the purchase. Ensure you read through the policy documents carefully before signing. Once the purchase is made, keep your insurance paperwork secure and review your policies each year to ensure they continue to meet your needs.
Biggest Home And Auto Bundle Discounts In Illinois
Where can you get the biggest home in auto bundle discounts in Illinois? The biggest discounts come from Nationwide but the top five providers include State Farm, Country Financial, Farmers, and American Family.
- Nationwide: Nationwide offers a 27% discount for Illinois residents.
- State Farm: The average discounts in Illinois for bundling are 23%.
- Country Financial: Country Financial has discounts of 21% for bundling.
- Farmers: Farmers Insurance discounts premiums by 20% when bundled.
- American Family: American Family gives a 19% discount for bundling.
- Allstate: Allstate discounts policies by 16% in Illinois.
- Auto-Owners: Auto-Owners offers Illinois residents a 15% discount for bundling.
- Travelers: Travelers offers an average of 10% for those who bundle in Illinois.
Our Methodology
Our commitment to delivering accurate and reliable insurance company ratings is supported by a thorough methodology. We review multiple insurers, drawing insights from reputable review sites and key metrics from industry leaders like A.M. Best and J.D. Power. Additionally, my 15 years of experience as an insurance agent enriches our analysis, ensuring our ratings are informed and trustworthy, guiding you confidently in your insurance decisions.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
If I file a claim for one policy in my bundle does it change my discount?
No. If you file a claim for a car accident, for example, it does not affect your homeowners insurance or the discount you get for a multi policy bundle in Illinois. It is best to check with each insurance provider you are considering about the specifics of this process.
Is there a right time to bundle home and auto?
There is no right or wrong time to bundle your home and auto insurance in Illinois. However, the best times are when you have a significant life change like purchasing a new car or buying a house for the first time, need to purchase a new policy, or are renewing your existing coverage.
Can I cancel one policy in my bundle?
Yes, if you have home and auto bundled in Illinois, you can choose to cancel one or the other and still maintain coverage on the remaining policy. This can however, cancel the multi policy discount you receive.
