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: May 7, 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
The three top-ranked home and auto bundle providers in Illinois are Farmers, Allstate and Nationwide. Farmers leads on coverage quality and bundle discount, with its 17% savings rate the highest in the state, though its $4,135 annual premium reflects Illinois's elevated home insurance costs in tornado-exposed central and northern regions. Allstate delivers the cheapest bundled rate at $2,677 per year, the standout choice for cost-conscious Illinois households, particularly in high-property-value Chicago metro ZIP codes where rebuilding costs push premiums up. Nationwide sits in the middle on price at $3,126 annually and earns the highest customer satisfaction score among the three, offering strong claims service that 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 offers Illinois's highest bundle discount at 17%, saving policyholders $851 per year when combining home and auto coverage. Travelers produces the largest raw dollar savings at $1,033 annually, but its total bundled premium of $9,735 per year is by far the most expensive option in the state. Illinois shoppers should compare the total bundled premium, not just the discount percentage or savings amount, to find the policy that delivers the best value for their household 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
Raising your home deductible from $500 to $1,000 can meaningfully reduce your annual home insurance premium, a savings that compounds 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 switching, confirm you have enough in 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 offers a similar benefit. These telematics savings stack with your bundle discount, making 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 primary driver of elevated home insurance premiums across Illinois. Investing in storm-resistant roofing materials, impact-resistant windows, and wind mitigation improvements can qualify you for home insurance discounts at renewal. Farmers, for example, offers premium credits for certain protective home upgrades. 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 spread of more than $7,058 per year between the cheapest bundled option (Allstate at $2,677) and the most expensive (Travelers at $9,735). Even comparing among the top four providers, the difference between Allstate and Progressive is nearly $1,659 annually. Shopping bundled quotes at renewal takes less time than most Illinois homeowners expect, and with that kind of rate spread, a single comparison could produce real, 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.
Does Illinois's location in the tornado belt affect home and auto bundle rates?
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.
Should I bundle home and auto insurance in Illinois?
Yes. Bundling home and auto insurance in Illinois is generally worth it for most policyholders. MoneyGeek's Illinois data shows bundle discounts ranging from 3% to 17%, with savings of $127 to $851 per year depending on the provider. Even at the lower end, the discount reduces your total cost without requiring any change to your coverage. The key is comparing bundled quotes from multiple providers to ensure the discount is applied to a competitive base premium, not just a higher-priced policy.
Which company has the best bundle in Illinois for homeowners who want more coverage?
Farmers is the best choice for Illinois homeowners who prioritize coverage quality, earning the highest bundled coverage score in MoneyGeek's analysis and the top overall MoneyGeek score of 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 of $4,135 compared to Allstate at $2,677. The Farmers insurance review covers how the carrier's coverage depth and endorsement options perform across Illinois's tornado-exposed markets.
Can I still get a bundle discount in Illinois if I have a prior claim?
Yes. Most Illinois insurers apply bundle discounts regardless of claims history, because the discount is tied to the multi-policy relationship rather than your loss record. However, a prior claim may increase your base premium, which means your bundled rate will be higher even after the discount is applied. The bundle discount itself typically remains available, but your overall savings will depend on how each carrier prices your specific claims history. Comparing quotes from multiple providers after a claim is especially important to find the best bundled rate.
How do I know if my bundle discount is actually saving me money?
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, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.