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 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 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

State Farm offers a 28% bundle discount, which amounts to an average savings of $1,782. The combined cost of home and auto insurance before the discount is $6,278, and after the discount, it 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

Nationwide offers an average bundle discount of $688, which is about 9%. Without the discount, the combined cost of home and auto insurance is $7,949. After applying the discount, the total cost drops to $7,261.

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

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.

You might find interesting

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

Arkansas$3,119/Year

California$2,866/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Idaho$1,993/Year

Illinois$2,678/Year

Indiana$2,437/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Mississippi$3,255/Year

Missouri$3,393/Year

Montana$3,188/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Ohio$2,229/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Carolina$2,766/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Utah$1,972/Year

Vermont$1,553/Year

Virginia$1,995/Year

Washington$1,762/Year

Washington, D.C.$2,506/Year

West Virginia$2,361/Year

Wisconsin$2,083/Year

Wyoming$2,619/Year

Chris Kissell

Contributing Researcher

Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in Nebraska
Compare home and auto bundles in Nebraska
What company offers the cheapest home and auto bundles in Nebraska?
Most and least expensive ZIP codes for home and auto insurance bundles in Nebraska
Frequently asked questions about home and auto bundle insurance
Methodology