Below are our picks for the best home and auto insurance bundling companies in Illinois:
Best Home and Auto Insurance in Illinois
Updated: April 3, 2025
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Key Takeaways
For home and auto insurance, the top picks in Illinois are State Farm, Allstate and USAA.
State Farm offers the best home and auto insurance discount, with savings of 16% on auto and 35% on home insurance.
Illinois residents pay an average annual insurance cost of $3,074, slightly below the national average by about 1%.
Who Offers the Best Home and Auto Insurance Bundles in Illinois?
| USAA | 96 | $2,415 | $139 |
| Auto-Owners | 94 | $2,516 | $398 |
| State Farm | 85 | $1,912 | $677 |
| Allstate | 79 | $2,280 | $422 |
| Progressive | 72 | $2,737 | $108 |
| Travelers | 72 | $6,583 | $693 |
State Farm: Best Cheap Home and Auto Insurance in Illinois
State Farm provides the most affordable home and auto insurance in Illinois. Bundling discounts include 16% off auto insurance and 35% off home insurance. Young drivers can save through the Steer Clear program. Other savings options include the Drive Safe and Save program, which offers up to 30% off car insurance. State Farm also ranks high for customer satisfaction, placing fifth in both auto and home insurance in a J.D. Power study.
| Auto | $1,002 | $188 | 16% |
| Home | $910 | $490 | 35% |
USAA: Best Home and Auto Insurance in Illinois for Military
USAA offers the second-most affordable home and auto insurance rates in Illinois for military members and their families. The company's SafePilot program rewards safe drivers with up to 30% in savings. USAA leads in customer satisfaction, ranking first for both home and auto insurance in J.D. Power studies.
| Auto | $1,057 | $32 | 3% |
| Home | $1,358 | $107 | 7% |
Allstate: Best Home and Auto Insurance Coverage Options in Illinois
Allstate ranks second for affordable home and auto insurance in Illinois and offers the second-largest bundling discount. Drivers can save up to 40% on car insurance through the Drivewise program. Allstate's unique coverage options include accident forgiveness, new car replacement and green improvement reimbursement.
| Auto | $1,322 | $263 | 17% |
| Home | $958 | $160 | 14% |
Illinois Home and Auto Insurance Cost
Illinois' average monthly cost of home and auto insurance is $256, just under the national average of $258. Monthly rates vary by provider, ranging from $159 to $549.
| Illinois home and auto insurance bundle | $3,074 | $20 | -1% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Illinois Home and Auto Insurance Quotes Without Bundling
Research suggests that not bundling home and auto insurance in Illinois can be more costly, though your quotes might vary. Below are the average costs of all coverage combinations without bundling, ranked from cheapest to most expensive, using our top providers.
| Auto-Owners | Allstate | $2,101 |
| USAA | Allstate | $2,207 |
| Progressive | Allstate | $2,223 |
| State Farm | Allstate | $2,308 |
| Travelers | Allstate | $2,376 |
| Auto-Owners | State Farm | $2,383 |
| Auto-Owners | USAA | $2,448 |
| USAA | State Farm | $2,489 |
| Progressive | State Farm | $2,505 |
| Progressive | USAA | $2,570 |
| State Farm | USAA | $2,655 |
| Travelers | State Farm | $2,658 |
| Auto-Owners | Progressive | $2,722 |
| Travelers | USAA | $2,723 |
| USAA | Progressive | $2,828 |
| State Farm | Progressive | $2,929 |
| Allstate | State Farm | $2,984 |
| Travelers | Progressive | $2,998 |
| USAA | Auto-Owners | $3,021 |
| Progressive | Auto-Owners | $3,037 |
| Allstate | USAA | $3,049 |
| State Farm | Auto-Owners | $3,122 |
| Travelers | Auto-Owners | $3,190 |
| Allstate | Progressive | $3,324 |
| Allstate | Auto-Owners | $3,516 |
| Auto-Owners | Travelers | $7,001 |
| USAA | Travelers | $7,107 |
| Progressive | Travelers | $7,123 |
| State Farm | Travelers | $7,208 |
| Allstate | Travelers | $7,602 |
Should I Bundle Home and Auto Insurance in Illinois?
For Illinois drivers, bundling home and auto insurance is usually more affordable than purchasing them separately. Evaluate your coverage needs and financial situation to determine the best option.
Bundling discounts save you more than individual policies
Bundling home and auto insurance in Illinois reduces costs. Separate policies cost $2,101 annually, while bundled policies cost $1,912.
Bundling makes policy management convenient
Bundled policies make insurance management easier by combining everything into a single account.
In rare cases, it might be better not to bundle in Illinois
Choosing separate policies might not save you more money, but it can offer more flexible coverage options.
Best Auto and Home Insurance in Illinois: Bottom Line
State Farm, Allstate and USAA lead for bundled home and auto insurance in Illinois. Bundling saves more money than buying separate policies. Compare multiple companies and get quotes to find the best deal for your situation.
Home and Auto Insurance in Illinois: FAQ
Get expert answers to common questions about home and auto insurance in Illinois:
Who has the best home and auto insurance in Illinois?
State Farm offers the best home and auto insurance for most Illinois drivers. USAA provides the top option for military members. Allstate leads the state in coverage quality.
Who has the cheapest home and auto insurance in Illinois?
State Farm offers the most affordable home and auto insurance bundle in Illinois, with an annual premium of $1,912 — an annual savings of $677 compared to the state average.
How much does home and auto insurance in Illinois cost on average?
The average annual premium for home and auto insurance bundles in Illinois is $3,074, slightly below the national average. The most affordable bundles cost about $1,912, while the most expensive options reach $6,583.
Is bundling home and auto insurance cheaper in Illinois?
Bundling home and auto insurance is usually cheaper in Illinois. While saving money is important, ensure you get adequate financial protection.
Best Auto and Home Insurance Bundle in Illinois: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Illinois Department of Insurance and Quadrant Information Services to calculate home and vehicle insurance rates. We supplemented this data with customer satisfaction ratings from leading consumer-reporting agencies, including AM Best and J.D. Power, to generate individual scores for home and auto insurance. We also considered each insurer's bundle discounts to evaluate their savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Illinois
MoneyGeek’s typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Illinois
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.