Best and cheapest companies for home and auto bundles in Nebraska

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Nebraska insurers to help you find the carriers that offer the most affordable rates after bundling.

In Nebraska, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 28%.

State Farm provides the lowest bundled rate in Nebraska, with an average cost of $4,496 for combining your home and auto policies.

Key Takeaways

In Nebraska, State Farm offers the biggest average discount of 28% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

How we picked the best companies for home and auto bundling

In 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Nebraska

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in Nebraska.

State Farm

State Farm offers an average bundle discount of $1,782, which is a 28% savings on your premiums. Before the discount, the combined home and auto insurance cost is $6,278, and after applying the bundle discount, the total cost drops to $4,496.

Farmers Insurance

The average bundle discount at Farmers Insurance is $2,588, or 25%. Without a bundle discount, customers pay $10,217 for coverage. After the bundle discount, customers pay $7,629 on average. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and No. 8 in the Best Home Insurance Companies ranking.

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, which is a 9% savings. The cost of home and auto insurance before the discount is $7,949, but it lowers to $7,261 after applying the discount.

Compare home and auto bundles in Nebraska

Bundling your home and auto insurance in Nebraska can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading 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

The ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Nebraska for bundling insurance.

Most expensive ZIP codes

The most expensive ZIP code in Nebraska for home and auto insurance bundling is 68110 at an average rate of $6,671. See the 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 home and auto insurance bundling is 68510 at an average rate of $5,073. See the 10 least expensive ZIP codes below.

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.