Below are our picks for the best home and auto insurance bundling companies in Wisconsin:
Best Home and Auto Insurance in Wisconsin
Updated: April 8, 2025
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Key Takeaways
Wisconsin's top home and auto insurance companies are State Farm, USAA and Nationwide.
State Farm offers the best home and car insurance discount, with savings of 14% on auto and 35% on home insurance.
This state's average annual home and auto insurance cost is $1,799, about 42% cheaper than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Wisconsin?
| USAA | 95 | $1,655 | $107 |
| Auto-Owners | 87 | $1,905 | $210 |
| Nationwide | 83 | $1,752 | $297 |
| State Farm | 81 | $1,618 | $575 |
| Farmers | 70 | $1,774 | $334 |
| Allstate | 61 | $2,087 | $313 |
State Farm: Best Cheap Home and Auto Insurance in Wisconsin
State Farm offers the most affordable home and auto insurance rates in Wisconsin, along with a 14% discount for auto and 35% on home insurance for bundling. It also has various other discounts, including the Steer Clear program for young drivers. State Farm ranks fifth for auto and seventh for home insurance in a J.D. Power study, reflecting its commitment to providing a positive customer experience.
| Auto | $806 | $131 | 14% |
| Home | $812 | $444 | 35% |
USAA: Best Home and Auto Insurance in Wisconsin for Military
USAA offers military families affordable insurance with the second-lowest rates. Its SafePilot program rewards safe driving with up to 30% savings. J.D. Power ranks USAA highest for customer satisfaction in home and auto insurance.
| Auto | $537 | $17 | 3% |
| Home | $1,117 | $90 | 7% |
Nationwide: Best Home and Auto Insurance Coverage in Wisconsin
Nationwide isn't the most affordable choice for home and auto insurance in Wisconsin, but it offers various discounts to help you save money. Its usage-based car insurance program offers up to 40% savings. Nationwide's unique coverages include disappearing deductible, accident forgiveness and home equipment breakdown protection.
| Auto | $810 | $91 | 10% |
| Home | $942 | $206 | 18% |
Wisconsin Home and Auto Insurance Cost
Wisconsin's average monthly home and auto insurance cost is $150, much lower than the national average of $258. Depending on the provider, monthly rates range from $135 to $174.
| Wisconsin home and auto insurance bundle | $1,799 | $1,295 | -42% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Wisconsin Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance in Wisconsin is cheaper, your quotes may differ. Below are the average costs of all coverage combinations using our top providers without bundling, from cheapest to most expensive.
| USAA | Farmers | $1,402 |
| USAA | Allstate | $1,643 |
| USAA | Nationwide | $1,703 |
| Auto-Owners | Farmers | $1,743 |
| Nationwide | Farmers | $1,748 |
| USAA | Auto-Owners | $1,775 |
| State Farm | Farmers | $1,785 |
| USAA | State Farm | $1,811 |
| Auto-Owners | Allstate | $1,983 |
| Nationwide | Allstate | $1,989 |
| State Farm | Allstate | $2,025 |
| Auto-Owners | Nationwide | $2,043 |
| State Farm | Nationwide | $2,085 |
| Auto-Owners | USAA | $2,102 |
| Nationwide | USAA | $2,108 |
| Nationwide | Auto-Owners | $2,121 |
| State Farm | USAA | $2,144 |
| Auto-Owners | State Farm | $2,151 |
| Nationwide | State Farm | $2,157 |
| State Farm | Auto-Owners | $2,158 |
| Allstate | Farmers | $2,160 |
| Farmers | Allstate | $2,348 |
| Farmers | Nationwide | $2,408 |
| Allstate | Nationwide | $2,461 |
| Farmers | USAA | $2,467 |
| Farmers | Auto-Owners | $2,480 |
| Farmers | State Farm | $2,516 |
| Allstate | USAA | $2,520 |
| Allstate | Auto-Owners | $2,533 |
| Allstate | State Farm | $2,568 |
Should I Bundle Home and Auto Insurance in Wisconsin?
For Wisconsin drivers, buying home and auto insurance separately often saves money compared to bundling them. However, it's important to assess your coverage needs and finances to decide which is best for you.
Individual policies cost less in Wisconsin
Wisconsin's cheapest annual home and auto insurance costs $1,402 without bundling and $1,618 with bundling. This shows that buying separate policies can lead to savings.
Bundling makes policy management convenient
Bundling policies makes managing your insurance easier with a single account, saving time and reducing hassle.
It might be better not to bundle in Wisconsin
Buying separate policies can save you money and offer more coverage flexibility. This might benefit those with specific insurance needs.
Best Auto and Home Insurance in Wisconsin: Bottom Line
State Farm, USAA and Nationwide are the top choices in Wisconsin for bundling home and auto insurance. However, buying policies separately typically costs less. Compare multiple companies and get quotes to find the best deal for your needs.
Home and Auto Insurance in Wisconsin: FAQ
Find expert answers to common questions about home and auto insurance in Wisconsin here:
Who has the best home and auto insurance in Wisconsin?
For most Wisconsin drivers, State Farm is the best home and auto insurance provider. USAA is the top choice for military members. If you're looking for the best coverage options, we suggest Nationwide.
Who has the cheapest home and auto insurance in Wisconsin?
State Farm offers Wisconsin's cheapest home and auto insurance bundle at $1,618 annually — saving $575 per year compared to the state average.
How much does home and auto insurance in Wisconsin cost on average?
Wisconsin's average annual premium for bundled home and auto insurance is $1,799, about 42% lower than the national average. The most affordable rate is $1,618, while the priciest costs $2,087.
Is bundling home and auto insurance cheaper in Wisconsin?
Bundling home and auto insurance costs more in Wisconsin, based on our research. While seeking savings is good, make sure you have enough coverage for financial protection.
Best Auto and Home Insurance Bundle in Wisconsin: Our Methodology
Bundle Scoring System
MoneyGeek calculated home and vehicle insurance rates using data from the Wisconsin Office of the Commissioner of Insurance and Quadrant Information Services. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual home and auto insurance scores. We also examined each insurer's bundle discounts to measure 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 Wisconsin
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 Wisconsin
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.