Farmers earns the top spot in Illinois home and auto bundle rankings with a 4.8/5 MoneyGeek score and an annual bundled premium of $4,135. MoneyGeek analyzed 1,440 quotes across 24 Illinois ZIP codes, ranking providers on a weighted mix of affordability, customer satisfaction and coverage quality. Farmers also leads on bundle savings, offering a 17% discount worth $851 per year, the largest percentage discount among Illinois providers. Illinois's top bundle providers rank competitively against the best home and auto insurance bundles nationally, with Farmers' 4.8/5 score placing it among the highest-rated carriers in MoneyGeek's full 50-state analysis.
Best Home and Auto Insurance Bundle in Illinois
Updated: August 5, 2026
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Key Takeaways
Farmers earns the top MoneyGeek score of 4.8 out of 5 for home and auto bundling in Illinois, with an annual bundled premium of $4,135 and the highest bundle discount in the state at 17%.
Farmers offers Illinois's largest bundle discount at 17%, translating to $851 in annual savings, the highest dollar savings among the top-ranked providers.
A bigger discount does not guarantee the lowest total bill: Farmers saves you 17% but costs $4,135 per year, while Allstate's 12% discount still delivers the cheapest bundled rate in Illinois at $2,677 per year, a difference of nearly $1,458 annually.
Best Home and Auto Insurance Bundle in Illinois
| Farmers | 4.8 | $4,135 | 17% |
| Allstate | 4.69 | $2,677 | 12% |
| Nationwide | 4.68 | $3,126 | 14% |
| Progressive | 4.66 | $4,336 | 3% |
| Travelers | 4.38 | $9,735 | 10% |
To learn more about how we rank the top home and auto insurance bundles, see our methodology.
Top 3 Home and Auto Bundle Companies in Illinois
Farmers, Allstate and Nationwide are Illinois's three top-ranked home and auto bundle providers.
Farmers has the best coverage quality and the biggest bundle discount, with its 17% savings rate the highest in the state. Its $4,135 annual premium reflects Illinois's elevated home insurance costs in tornado-exposed central and northern regions.
Allstate has the cheapest bundled rate at $2,677 a year, and that makes it the top pick for cost-conscious Illinois households, especially in high-property-value Chicago metro ZIP codes where rebuilding costs push premiums up.
Nationwide's price falls in the middle at $3,126 a year, and it has the highest customer satisfaction score among the three. Its claims service is strong, which matters when severe thunderstorms and hail events strike across northern Illinois.
Farmers
MoneyGeek Rating
4.8/ 5
4.4/5Affordability
3.7/5Customer Experience
4.4/5Coverage
Annual Bundle Premium
$4,135Monthly Bundle Premium
$345Bundle Savings
17%
Allstate
MoneyGeek Rating
4.7/ 5
5/5Affordability
3.5/5Customer Experience
3.8/5Coverage
Annual Bundle Premium
$2,677Monthly Bundle Premium
$223Bundle Savings
12%
Nationwide
MoneyGeek Rating
4.7/ 5
4.8/5Affordability
3.7/5Customer Experience
3.5/5Coverage
Annual Bundle Premium
$3,126Monthly Bundle Premium
$260Bundle Savings
14%
Cheapest Home and Auto Bundle in Illinois
Allstate offers the cheapest home and auto bundle in Illinois at $2,677 per year, the most affordable option for Illinois residents seeking combined coverage. Farmers posts the largest bundle discount at 17%, saving policyholders $851 annually, but its total annual premium of $4,135 is $1,458 more than Allstate's. A higher discount percentage doesn't guarantee the lowest total bill. Illinois's standalone auto rates are a key driver of total bundle costs, and the average cost of car insurance in Illinois shows how the auto component varies across the state's urban and rural ZIP codes.
| Allstate | $2,677 | $350 |
| Nationwide | $3,126 | $520 |
| Farmers | $4,135 | $851 |
| Progressive | $4,336 | $127 |
| Travelers | $9,735 | $1,033 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
Companies Offering the Biggest Bundle Discount in Illinois
Farmers has Illinois's highest bundle discount at 17%, which saves policyholders $851 a year when they combine home and auto coverage. Travelers produces the largest raw dollar savings, $1,033 a year, but its total bundled premium of $9,735 a year is by far the priciest option in the state.
The total bundled premium matters more for Illinois shoppers than the discount percentage or savings amount alone, since that actually shows the best value for a household's budget.
| Farmers | 17% | $851 | $4,135 |
| Nationwide | 14% | $520 | $3,126 |
| Allstate | 12% | $350 | $2,677 |
| Travelers | 10% | $1,033 | $9,735 |
| Progressive | 3% | $127 | $4,336 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
FINDING HOME AND AUTO INSURANCE IN ILLINOIS
Illinois sits within the tornado corridor and experiences frequent severe thunderstorms, hail events and high winds, particularly across central and northern regions. These risks have led some national carriers to tighten underwriting standards in select Illinois ZIP codes, which can affect bundling options for homeowners in high-risk areas. All five providers in MoneyGeek's Illinois analysis are actively writing both home and auto policies in the state. The best homeowners insurance in Illinois includes carrier-by-carrier availability data for Illinois ZIP codes where tornado and hail exposure most affect coverage options.
How to Get Cheap Home and Auto Insurance Bundle in Illinois
Illinois homeowners pay higher bundle premiums than the national average for two primary reasons: tornado and severe thunderstorm exposure across central and northern Illinois elevates home insurance costs, while high property values in the Chicago metro push rebuilding costs and therefore premiums well above state averages. Understanding these factors helps Illinois shoppers target the right discounts and coverage adjustments to lower their total bundled cost.
- 1Choose a Higher Deductible
Raise your home deductible from $500 to $1,000, and your annual home insurance premium can drop noticeably, savings that compound when bundled with auto. The same logic applies to your auto comprehensive and collision deductibles: higher deductibles lower your premium but increase your out-of-pocket cost after a claim. Before you switch, confirm you have enough savings to cover the higher deductible amount comfortably, especially given Illinois's active severe weather season.
- 2Try a Telematics Auto Program
Telematics programs track your driving behavior, including speed, hard braking and mileage, and reward safe drivers with lower auto premiums. Nationwide's SmartRide program is available to Illinois policyholders and can generate additional auto savings on top of your existing bundle discount. Progressive's Snapshot program has a similar benefit.
These telematics savings stack with your bundle discount, which makes them one of the most effective ways to reduce your total annual premium without changing your coverage.
- 3Add Storm-Resistant Home Features
Tornado and severe thunderstorm exposure, including hail, high winds and straight-line wind events, is the main reason home insurance premiums stay elevated across Illinois. Storm-resistant roofing materials, impact-resistant windows and wind mitigation improvements can qualify you for home insurance discounts at renewal.
Farmers, for example, has premium credits for certain home upgrades that reduce storm risk. These credits stack with your bundle discount, so improvements made before your renewal date can reduce both your home and bundled total premium at the same time.
- 4Compare Quotes When Your Policy Renews
MoneyGeek's Illinois data shows a gap of more than $7,058 a year between the cheapest bundled option, Allstate at $2,677, and the most expensive, Travelers at $9,735. Even among the top four providers, Allstate and Progressive differ by nearly $1,659 a year. Most Illinois homeowners spend less time than they expect shopping bundled quotes at renewal, and with a rate gap that size, a single comparison could produce lasting savings.
Home and Auto Insurance Bundle in Illinois: FAQ
Here are answers to the questions Illinois residents ask most about bundling home and auto insurance.
Yes. Illinois's position within the tornado corridor and its exposure to severe thunderstorms, hail and high winds directly elevates home insurance premiums across central and northern ZIP codes, which raises bundled rates. MoneyGeek's analysis of 1,440 quotes across 24 Illinois ZIP codes found annual bundled premiums ranging from $2,677 to $9,735, with home insurance costs accounting for a large share of that spread. Chicago-area homeowners also pay more because of elevated property values and higher rebuilding costs. The best homeowners insurance in Illinois breaks down how those costs vary by ZIP code and carrier across the state.
Yes, bundling home and auto insurance in Illinois is worth it for most policyholders. MoneyGeek's Illinois data shows bundle discounts ranging from 3% to 17%, with savings of $127 to $851 a year depending on the provider. Even at the lower end, the discount cuts your total cost without requiring any change to your coverage. Compare bundled quotes from multiple providers to make sure the discount applies to a competitive base premium, not a higher-priced one.
Farmers is the best choice for Illinois homeowners who prioritize coverage quality. It has the highest bundled coverage score in MoneyGeek's analysis and the top overall MoneyGeek score, 4.8/5. Its home policies include options for extended replacement cost and equipment breakdown coverage, both valuable for Illinois homeowners dealing with tornado and hail risks.
The tradeoff is a higher annual bundled premium, $4,135 compared to Allstate's $2,677. The Farmers insurance review covers how the carrier's coverage depth and endorsement options perform across Illinois's tornado-exposed markets.
Yes, most Illinois insurers apply bundle discounts regardless of claims history, since the discount ties to the multi-policy relationship rather than your loss record. A prior claim may still raise your base premium. That means your bundled rate could be higher even after the discount applies, but the discount itself remains available in most cases.
Your overall savings will depend on how each carrier prices your specific claims history. Compare quotes from multiple providers after a claim to find the best bundled rate.
The most reliable way to verify your bundle discount is saving money is to get separate quotes for your home and auto policies from multiple carriers and compare the total to your bundled rate. MoneyGeek's Illinois data shows why this matters. Travelers offers a 10% bundle discount but charges $9,735 per year bundled, while Allstate's 12% discount results in a total of just $2,677, a difference of more than $7,000 annually. A bundle discount only saves you money if the carrier's base rates are competitive. Shopping at renewal confirms you're not paying a premium for a discount applied to an inflated starting price.
MoneyGeek analyzed 1,440 quotes across 24 Illinois ZIP codes to identify the best home and auto bundle insurance options in the state. Data sources include Quadrant Information Services for rate data; AM Best for financial strength ratings; J.D. Power for customer satisfaction scores; and the Illinois Department of Insurance for market data. Figures represent averages, and actual rates vary by ZIP code, claims history, credit tier, and individual profile.
Auto score breakdown:
- Affordability (60%): Rate quotes collected for multiple driver profiles. Illinois baseline: 40-year-old, good credit, clean driving record, 2021 Toyota Camry, 50/100 full coverage with a $1,000 deductible.
- Customer experience (30%): Google reviews, J.D. Power ratings, and AM Best scores organized by state.
- Coverage options (10%): Range of coverage types and policy features available from each provider.
Home score breakdown:
- Affordability (55%): Rates compared for identical coverage across providers; bundle discount availability evaluated. Illinois baseline: homeowner aged 41 to 60, good credit, 2,500-sq-ft home built in 2000, $250K dwelling, $125K personal property, $200K liability, $1,000 deductible.
- Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews, and app feedback for claims handling.
- Coverage options (15%): Add-on availability with attention to Illinois-specific risks including tornado, hail, wind, and severe thunderstorm coverage.
For more information, see our auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.