Allstate ranks first for home and auto bundle insurance in Wisconsin with a MoneyGeek score of 4.70 out of 5 and an annual bundled premium of $2,442. I analyzed 400 quotes across 10 Wisconsin ZIP codes, weighing affordability, customer satisfaction and coverage quality to identify the top providers. Nationwide offers the highest bundle discount in the state at 16%, translating to $560 in annual savings, though its total bundled premium of $2,929 is the highest among the top three.
Best Home and Auto Insurance Bundle in Wisconsin
Updated: May 7, 2026
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Key Takeaways
Allstate is the best home and auto bundle insurer in Wisconsin, earning a MoneyGeek score of 4.70 out of 5 with an annual bundled premium of $2,442.
Nationwide has the largest bundle discount in Wisconsin at 16%, saving policyholders $560 per year, the highest dollar savings among all providers analyzed.
A bigger discount doesn't guarantee the lowest total bill: Nationwide's 16% discount still results in a $2,929 annual premium, nearly $800 more than Farm Bureau's $2,133, the cheapest bundled option in Wisconsin.
Best Home and Auto Insurance Bundle in Wisconsin
| Allstate | 4.7 | $2,442 | 12% |
| Farm Bureau | 4.63 | $2,133 | 13% |
| Nationwide | 4.54 | $2,929 | 16% |
To learn more about how I rank the top home and auto insurance bundles, see my methodology.
Top 3 Home and Auto Bundle Companies in Wisconsin
The three top-ranked home and auto bundle providers in Wisconsin are Allstate, Farm Bureau and Nationwide. Allstate leads on composite score with strong coverage quality and solid customer satisfaction at $2,442 per year. Farm Bureau is the most affordable option at $2,133 annually and earns the top customer satisfaction ranking among the three. Nationwide ranks highest for its 16% bundle discount and $560 in annual savings, though its $2,929 annual premium reflects higher home insurance costs. Wisconsin's exposure to hail in the Fox Valley and southeastern counties, tornado risk in southern Wisconsin and harsh winters statewide all drive home insurance costs higher. The best car insurance in Wisconsin can help you compare standalone policies.
Allstate
MoneyGeek Rating
4.7/ 5
3.9/5Affordability
3.5/5Customer Experience
3.8/5Coverage
Annual Bundle Premium
$2,442Monthly Bundle Premium
$204Bundle Savings
12%
Farm Bureau
MoneyGeek Rating
4.6/ 5
5/5Affordability
3.5/5Customer Experience
2.4/5Coverage
Annual Bundle Premium
$2,133Monthly Bundle Premium
$178Bundle Savings
13%
Nationwide
MoneyGeek Rating
4.5/ 5
2.8/5Affordability
3.7/5Customer Experience
3.5/5Coverage
Annual Bundle Premium
$2,929Monthly Bundle Premium
$244Bundle Savings
16%
Cheapest Home and Auto Bundle in Wisconsin
Farm Bureau offers the cheapest home and auto bundle in Wisconsin at $2,133 per year, which is $309 less than Allstate and $796 less than Nationwide. Nationwide provides the largest bundle discount at 16% and $560 in annual savings, yet its total bundled premium of $2,929 remains the most expensive option, illustrating that a higher discount percentage does not guarantee the lowest total bill. Drivers can compare bundled rates with individual policy car insurance costs in Wisconsin.
| Farm Bureau | $2,133 | $330 |
| Allstate | $2,442 | $337 |
| Nationwide | $2,929 | $560 |
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 Wisconsin
Nationwide offers the highest bundle discount in Wisconsin at 16%, saving policyholders $560 per year, the largest dollar savings of any provider in my analysis. Farm Bureau's 13% discount saves $330 annually, and Allstate's 12% discount saves $337. The key distinction for Wisconsin shoppers: Nationwide's 16% discount applies to a higher base premium, resulting in a $2,929 annual bill, nearly $800 more than Farm Bureau's $2,133, which carries a smaller discount. Bundling home and auto can give you better deals than individual policies with the best car insurance companies and the best homeowners insurance.
| Nationwide | 16% | $560 | $2,929 |
| Farm Bureau | 13% | $330 | $2,133 |
| Allstate | 12% | $337 | $2,442 |
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.
How to Get Cheap Home and Auto Insurance Bundle in Wisconsin
Consider how much car insurance coverage you need and that Wisconsin's home insurance costs are shaped by severe hail events in the Fox Valley and southeastern counties that can cause major roof and siding damage and harsh winters statewide that bring heavy snow loads, ice dams and frozen pipe claims. Both factors push home premiums higher, making bundling and proactive savings strategies especially valuable for Wisconsin homeowners.
- 1
Choose a Higher Deductible
Raising your home insurance deductible from $500 to $1,000 can lower your annual home premium. The same logic applies to your auto comprehensive and collision deductibles. The trade-off is that you will pay more out of pocket after a claim, so this strategy works best when you have sufficient cash reserves to cover the higher deductible. In Wisconsin, where hail and winter storm claims occur with some regularity, make sure your emergency fund can absorb the difference before making the switch.
- 2
Try a Telematics Auto Program
Telematics programs track driving behaviors like speed, braking and mileage and can reduce your auto premium based on safe driving habits. Nationwide's SmartRide program is available to Wisconsin policyholders and can generate additional auto savings that stack directly on top of your existing bundle discount. Progressive's Snapshot program is another option for drivers who prefer Progressive's auto coverage. These programs typically involve a monitoring period of several months before the discount is applied, so enrolling early in your policy term maximizes the benefit.
- 3
Add Hail-Resistant Roofing and Winterize Your Home
Wisconsin has two distinct home insurance cost pressures: severe hail in the Fox Valley and southeastern counties that can cause substantial roof damage, and harsh winters statewide that bring ice dams, frozen pipes and heavy snow loads. Installing impact-resistant roofing certified for hail resistance can qualify for meaningful home insurance discounts from several top Wisconsin providers, including Allstate. Winter weatherization improvements such as pipe insulation, attic air sealing and reinforced roofing for snow loads also reduce claim risk and may qualify for additional discounts. Ask your insurer specifically about hail-resistance and winter-hardening credits when you renew.
- 4
Compare Quotes When Your Policy Renews
In Wisconsin, the annual bundled premium spread between the cheapest and most expensive provider in my analysis is $796, with Farm Bureau at $2,133 versus Nationwide at $2,929. Comparing bundled quotes at renewal takes less time than most homeowners expect and can produce real savings. Rates change each year based on claims experience, reinsurance costs and insurer appetite, so a provider that was not competitive last year may offer a better deal today. Set a reminder to compare at least 30 days before your renewal date so you have time to switch without a coverage gap.
Home and Auto Bundle Insurance in Wisconsin: FAQ
How does Wisconsin's severe hail and harsh winter climate affect home and auto bundle rates?
Wisconsin's weather risk profile, including recurring hail events in the Fox Valley and southeastern counties, tornado exposure in southern Wisconsin and statewide winter hazards like ice dams and frozen pipes, pushes home insurance premiums higher than in lower-risk states. MoneyGeek's Wisconsin analysis found annual home bundle premiums ranging from $778 to $1,608 across the top three providers, reflecting how differently insurers price these risks. Bundling your home and auto policies remains one of the most effective ways to offset these higher home costs, with Wisconsin discounts ranging from 12% to 16% in our analysis.
Should I bundle home and auto insurance in Wisconsin?
Bundling home and auto insurance in Wisconsin is worth considering for most homeowners. My analysis found annual savings ranging from $330 to $560 among the top three providers. The key is to compare the total bundled premium, not just the discount percentage, since the provider with the largest discount (Nationwide at 16%) still has the highest total bill at $2,929 per year.
What is the difference between a bundle discount and actual bundle savings?
A bundle discount is the percentage reduction applied to your combined premiums when you buy both policies from the same insurer, while actual bundle savings is the dollar amount you save compared to buying the policies separately. In Wisconsin, Nationwide's 16% discount produces $560 in annual dollar savings, but its total bundled premium of $2,929 is still the highest among the three top providers, demonstrating that a large discount percentage does not always translate to the lowest total cost. Always compare the final bundled premium alongside the discount percentage to find the true best value.
Which company has the best bundle in Wisconsin for homeowners who want more coverage?
Allstate earns the highest bundled coverage score in Wisconsin in my analysis, making it the strongest choice for homeowners who prioritize comprehensive protection over the lowest price. Its home coverage score of 4.13 and auto coverage score of 3.50 are the highest among the three top Wisconsin providers, and its A+ AM Best rating supports confidence in claims-paying ability.
How do I know if my bundle discount is actually saving me money?
The most reliable way to verify your bundle savings is to get separate standalone quotes for your home and auto policies from the same insurer and compare the total to your bundled premium. Many insurers will provide this comparison on request. You should also compare your bundled total against quotes from competing insurers, since a smaller discount from a lower-base-rate provider like Farm Bureau's 13% discount, yielding a $2,133 annual total, can produce a better outcome than a larger discount from a higher-cost insurer.
MoneyGeek analyzed 400 quotes across 10 Wisconsin ZIP codes to rank the best home and auto bundle insurance providers 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 Wisconsin Office of the Commissioner of Insurance for complaint data. All figures are averages, and actual rates will vary based on ZIP code, claims history, credit score and individual driver and homeowner profile.
Learn more about our auto insurance methodology.
MoneyGeek's Wisconsin home and auto bundle data is sourced from Quadrant Information Services and reflects 2026 rate filings. Rates are reviewed and updated annually to reflect current insurer pricing, state regulatory changes and shifts in Wisconsin's weather risk environment. Our most recent data collection was completed in 2026.
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 writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and 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!