Illinois homeowners pay more for insurance than most of the country, so bundling home and auto is one of the more reliable ways to cut costs. Farmers earns the highest MoneyGeek score at 96 out of 100 and offers the largest discount in the state at 17%, while Allstate has the most affordable annual premium at $2,677. MoneyGeek's rankings weigh affordability, customer satisfaction and coverage quality, with extra weight on savings given the state's high baseline rates.
Best Cheap Home and Auto Bundle Insurance in Illinois
Updated: April 7, 2026
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Key Takeaways
Farmers earns the highest score for home and auto bundles in Illinois, with a 96 out of 100 MoneyGeek rating. Read more.
Illinois residents can save $851 annually with Farmers' 17% bundle discount, the largest available in the state. Read more.
Allstate provides the most affordable home and auto bundle for $2,677 per year in Illinois. Read more.
Best Home and Auto Bundle Insurance in Illinois
| Best Overall | Farmers | $4,135 | 4.8 |
| Runner-Up | Allstate | $2,677 | 4.7 |
| Cheapest Bundle | Allstate | $2,677 | 4.7 |
| Biggest Discount | Farmers | $4,135 | 4.8 |
Best Home and Auto Bundle Companies in Illinois
Farmers leads Illinois's home and auto bundle rankings with a MoneyGeek score of 96 out of 100, backed by its independent agent network across the state and a 17% bundle discount. Allstate scores 94 out of 100 and pairs its bundle with the Drivewise telematics program for additional savings on auto. Both insurers have strong local agent coverage across Illinois, which makes them practical options for homeowners who want personalized service with their bundled policies.
Farmers: Best Overall in Illinois
pros
Signal telematics program rewards safe Illinois drivers with additional discounts
Top-ranked bundle provider in Illinois with a MoneyGeek score of 96 out of 100
Policyholders save $851 per year by bundling home and auto at a 17% discount
Equipment breakdown coverage protects home systems and appliances
cons
Auto customer satisfaction ranks last among the five providers in MoneyGeek's analysis
Home insurance policies are issued through affiliate companies rather than Farmers directly
Lower bundle discount than what some competing insurers offer Illinois residents
COMPANY HIGHLIGHTS
At $4,135 per year, Farmers earns a MoneyGeek score of 96 out of 100 (4.8 stars) for home and auto bundling in Illinois. Policyholders save $851 per year, a 17% discount, by combining both policies.
Farmers ranks first in Illinois for auto coverage options and home customer experience. The Signal telematics program tracks driving behavior through a smartphone app and adds auto discounts to the bundle rate. Home policies cover wind and hail damage, which matters in a state with high storm and tornado activity, and Farmers processes claims across Illinois without routing through a third party.
Farmers also offers 24/7 claim reporting and a mobile app that lets policyholders manage home and auto coverage together.
Allstate: Runner-Up Bundle in Illinois
pros
Drivewise telematics program rewards safe driving habits with additional discounts
Runner-up bundle provider in Illinois with a MoneyGeek score of 94 out of 100
Bundling saves policyholders $350 per year at a 12% discount
Milewise pay-per-mile auto coverage helps low-mileage drivers reduce their premiums even further
cons
Auto customer satisfaction ranks fourth among the five providers in the analysis
Auto coverage options rank in the middle tier
Home customer experience falls behind the leading providers in MoneyGeek's evaluation
COMPANY HIGHLIGHTS
At $2,677 per year, Allstate has the most affordable home and auto bundle in Illinois and earns a MoneyGeek score of 94 out of 100 (4.7 stars). The 12% bundle discount saves policyholders $350 a year, putting Allstate two points behind Farmers overall.
Allstate's Illinois home policies include identity theft protection and claim-free bonuses not offered by every provider in the state. The Drivewise telematics program tracks driving habits and adds auto discounts to the bundle rate. On home coverage breadth, Allstate ranks first in Illinois, with add-ons like equipment breakdown and water backup protection.
The Claim Satisfaction Guarantee lets policyholders switch to a preferred repair shop within 30 days if they're unhappy with the initial claim experience.
Cheapest Home and Auto Bundle in Illinois
Allstate has the most affordable home and auto bundle in Illinois at $2,677 per year. But the largest discount belongs to Farmers, which saves policyholders $851 a year at 17% off. Even with that discount, Farmers' bundled premium comes to $4,135 per year, $1,458 more than Allstate's rate. A bigger discount percentage doesn't guarantee a lower bill. Homeowners who want the best combination of price and coverage quality should weigh both figures before committing.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| 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 good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
Companies Offering the Biggest Bundle Discount in Illinois
Farmers offers the largest bundle discount in Illinois at 17%, saving policyholders $851 a year. Nationwide ranks second at 14%, worth $520 in annual savings. A bigger discount doesn't always mean a lower bill, though. Farmers' bundled premium still comes to $4,135, higher than every other provider, while Allstate's $2,677 rate is the most affordable in the state.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| 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 good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
How to Get Cheap Home and Auto Bundle Insurance in Illinois
Illinois homeowners pay more for insurance than most states because of the state's storm and hail exposure. Adjusting your coverage levels and stacking discounts are the two most direct ways to bring your bundle premium down. Here are the strategies that work best:
Choose a higher deductible
Increasing your home deductible from $500 to $1,000 or higher reduces your premium costs. You'll pay more out-of-pocket if you file a claim, so ensure you have adequate cash reserves before making this change.
Ask about usage-based auto discounts
State Farm's Drive Safe & Save and Progressive's Snapshot track your driving habits like speed, braking and mileage to offer discounts. These telematics programs can reduce your auto premium on top of your bundle savings.
Upgrade to storm-resistant features
Impact-resistant roofing, reinforced garage doors and storm shutters help protect against Illinois's severe weather and hail damage. These home improvements qualify for premium discounts that stack with your bundle savings.
Keep your credit score strong
Illinois insurers use credit-based insurance scoring for both home and auto coverage. Maintaining good credit helps lower your premiums at renewal and maximizes your overall bundle discount potential.
Home and Auto Bundle Insurance in Illinois: FAQ
Do Illinois's regional risks affect bundle insurance rates?
Yes. Illinois's storm exposure (tornadoes, hailstorms and damaging winds) is the main reason home insurance premiums are high, and those higher home premiums push bundle costs up too. The risk is worst in northern counties near Chicago and across central Illinois. Insurers price policies by ZIP code using wind zone data, hail frequency records and local storm damage history. Upgrading to impact-resistant roofing or reinforced garage doors can offset some of those premium increases.
Which company has the best bundle in Illinois for homeowners who want more coverage?
Allstate ranks first in Illinois for home coverage breadth with a MoneyGeek score of 94, including add-ons like equipment breakdown protection and service line coverage. Farmers scores higher overall at 96, making it the better pick if you want both broad coverage and top-tier value.
Should I bundle home and auto insurance in Illinois?
Yes. Every provider in MoneyGeek's Illinois analysis saves policyholders money through bundling, and combining policies also simplifies billing and renewals. That said, always compare bundled rates against separate quotes before committing. The right bundle depends on your total premium, not just the discount percentage.
Best Cheap Home and Auto Bundle Insurance in Illinois: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the Illinois Department of Insurance, Quadrant Information Services, AM Best and J.D. Power. These premiums are averages; actual rates vary by ZIP code, claims history and individual profile.
- MoneyGeek score: Factors in affordability, customer satisfaction ratings from AM Best and J.D. Power, and coverage quality
- Baseline driver: 40-year-old with good credit, 2021 Toyota Camry, 50/100 full coverage with $1,000 deductible
- Baseline home: $250,000 dwelling, $125,000 personal property, $200,000 liability
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!