Best and cheapest companies for home and auto bundles in Nebraska

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When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Nebraska to identify which ones provide significant savings when combining multiple coverage types.

State Farm provides the highest percentage discount on home and auto insurance premiums in Nebraska when you bundle your policies. By choosing this insurer, you can save an average of 28% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Nebraska. When you bundle your policies, you can expect to pay an average of $4,496.

Key Takeaways

In Nebraska, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 28%.
Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.
Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.
Bundling is usually a smart move, but sometimes it might not be the best option.

How we picked the best companies for home and auto bundling

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.

Our recommendation for the best home and auto bundles in Nebraska

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Nebraska for home and auto bundling.

State Farm

The average bundle discount at State Farm is $1,782, or 28%. Before the bundle discount is added, the average cost of home and auto insurance is $6,278. After getting a bundle discount, the cost drops to $4,496. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Farmers Insurance

Farmers Insurance offers an average discount of $2,588 when you bundle your auto and home insurance, which is about 25%. Without the discount, the average cost is $10,217, but with the discount, the price drops to $7,629.

Allstate

Allstate offers an average discount of $524 when you bundle your auto and home insurance, which is about 9%. Without the discount, the average cost is $5,998, but with the discount, it drops to $5,474.

Nationwide

The average bundle discount at Nationwide is $688, or 9%. Before the discount is added, the average cost of home and auto insurance is $7,949. After adding the bundle discount, the average cost is $7,261. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and at No. 7 in the Best Home Insurance Companies ranking.

Compare home and auto bundles in Nebraska

The amount you can save on home and auto insurance with a bundle in Nebraska varies by company. Here is a breakdown of the rates and savings with top companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$4,496	47	87.4	A++	28%	82.03
Farmers Insurance	$7,629	43	82	A	25%	64.59
Allstate	$5,474	39	85	A+	9%	58.32
Nationwide	$7,261	42	86.6	A	9%	51.85

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What company offers the cheapest home and auto bundle in Nebraska?

State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$4,365	$1,913	$6,278	$4,496
Farmers Mutual Ins Co of NE	$3,964	$1,516	$5,480	$4,731
Iowa Farm bureau	$4,220	$2,055	$6,275	$5,199
Allstate	$3,493	$2,505	$5,998	$5,474
Nationwide	$6,701	$1,248	$7,949	$7,261
Farmers Insurance	$8,003	$2,214	$10,217	$7,629

Most and least expensive ZIP codes for home and auto insurance bundles in Nebraska

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in Nebraska for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 68110 in Nebraska has the highest average cost for bundling home and auto insurance, at $6,671. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
68110	$6,671	17%
68111	$6,541	17%
68112	$6,540	17%
69021	$6,502	17%
68102	$6,458	17%
68108	$6,433	17%
68152	$6,411	17%
68131	$6,408	17%
68879	$6,394	17%
68104	$6,361	17%

Least expensive ZIP codes

The least expensive ZIP code in Nebraska for bundling home and auto insurance is 68510, with an average cost of $5,073. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
68510	$5,073	17%
68505	$5,074	17%
68522	$5,089	17%
68506	$5,097	17%
68521	$5,103	17%
68516	$5,108	17%
68502	$5,127	17%
68512	$5,137	17%
68503	$5,172	17%
68507	$5,201	17%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in Nebraska?

Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.

However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.

It’s also possible that a company has the right coverage for one type of insurance but not for the other.

Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.

“Remember when buying insurance that you’re doing so to protect your most valuable assets,” says Christine O’Brien, president of the Insurance Council of New Jersey. “Take the time to learn about policy limits and coverages and get several quotes.”

How can you switch to a home and auto bundle in Nebraska?

Switching to a bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.

However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.

But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate.

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Chris Kissell

Contributing Researcher

Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.