Best Home and Auto Insurance Illinois

Below are our picks for the best home and auto insurance bundling companies in Illinois:

State Farm offers the most affordable home and auto insurance rates and ranks as our top choice for non-military drivers in Illinois. Among the insurers reviewed, it provides the widest range of discounts for both policy types, including a significant 26% savings for bundling. While its coverage options are standard, State Farm is the fifth highest-rated auto insurer in the state and earned a strong score of 829 out of 1,000 in customer satisfaction, according to the J.D. Power 2024 U.S. Auto and Home Insurance Study.

USAA is the best home and auto insurance company overall for military members and their families and has the third lowest rates in the state. USAA consistently receives high marks for customer satisfaction. In the J.D. Power 2024 U.S. Individual Annuity Study, it ranked highest in overall customer satisfaction among annuity providers. However, in auto and home insurance studies, USAA often achieves high scores but is not officially ranked due to its membership restrictions.

Auto-Owners offers comprehensive coverage options and excellent customer satisfaction, making it a strong choice in Illinois despite not being the cheapest. With flexible add-ons like roadside assistance, gap insurance and rental car coverage, as well as unique offerings such as home equipment breakdown coverage and accident forgiveness, it stands out among competitors. Its strong financial rating (A++) and high customer service scores further solidify its reputation for reliability and robust coverage.

Illinois home and auto insurance costs an average of $256 per month, which is only $2 higher than the national average. However, depending on your chosen provider, costs can range anywhere from $159 per month to $548 monthly.

Our analysis shows that choosing separate policies instead of bundling tends to cost more in Illinois, though your individual quotes might vary. To help you compare, we've listed the average rates for standalone coverage options from our top-rated insurers, arranged from most affordable to priciest.

For drivers in Illinois, combining your home and auto insurance policies under one provider is usually more cost-effective than buying them separately from different companies. That said, always assess your specific coverage requirements and budget to decide what works best for you.

In Illinois, USAA, State Farm and Allstate stand out as top choices for home and auto insurance. Bundling policies generally offers greater savings compared to purchasing them individually. However, to find the best option for your needs, it's wise to explore several providers and compare personalized quotes.

Here, we provide MoneyGeek’s expert insights addressing common questions about home and auto insurance in Illinois:

MoneyGeek used data from the Illinois Department of Insurance and Quadrant Information Services to calculate the rates for home and vehicle insurance.

Bundle Scoring System

We supplemented this data with customer satisfaction ratings from leading consumer-reporting agencies, including AM Best and J.D. Power, to generate individual scores for home insurance and auto insurance. Information on each insurer’s bundle discounts was also obtained to evaluate insurers for their savings potential.

Using this information, we calculated a “bundle score” out of 100, taking into account the following weighted categories:

• Score for home insurance: 40%
• Score for auto insurance: 40%
• Score for discounts: 20%

Car, Home and Buyer Profile in Illinois

MoneyGeek's typical profile is as follows:

• 40-year-old male
• Good driving history
• 2010 Toyota Camry LE
• 12K miles driven annually
• A home with a construction year of 2000

Coverage Levels in Illinois

MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in 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 a homeowners insurance policy that includes the following limits and 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