Best and cheapest companies for home and auto bundles in Nebraska

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When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Nebraska to determine which will give you the biggest price break when you purchase multiple types of coverage.

State Farm offers the biggest percentage break on your home and auto premiums in Nebraska when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 28%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Nebraska. On average, you will pay $4,496 when you bundle.

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

In 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre and post bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Nebraska

We ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Nebraska.

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

Bundling auto and home insurance with Allstate can save an average of $524, or 9%. Without the discount, the coverage costs $5,998, but after the discount, it’s only $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

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 bundles in Nebraska?

If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.

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

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Nebraska.

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 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 policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

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?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

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.