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 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 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

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

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, 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

Bundling your home and auto insurance in Nebraska can help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.

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 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 most affordable ZIP code in Nebraska for bundling home and auto insurance is 68510, with an average rate of $5,073. Below are the 10 least expensive 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 home and auto bundle insurance

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

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“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 bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

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.