Best and cheapest companies for home and auto bundles in Nevada

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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 Nevada insurers to help you find the carriers that offer the most affordable rates after bundling.

In Nevada, 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 23%.

State Farm provides the lowest bundled rate in Nevada, with an average cost of $2,442 for combining your home and auto policies.

Key Takeaways

In Nevada, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 23%.
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 Nevada

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 Nevada for home and auto bundling.

State Farm

The average bundle discount at State Farm is $721, or 23%. Before the bundle discount is added, the average cost of home and auto insurance is $3,163. After getting a bundle discount, the cost drops to $2,442. 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 $953, or 21%. Without a bundle discount, customers pay $4,608 for coverage. After the bundle discount, customers pay $3,655 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.

American Family

American Family offers an average discount of $603 when you bundle your auto and home insurance, which is about 15%. Without the discount, the average cost is $4,137, but with the discount, it drops to $3,534.

Nationwide

The average bundle discount at Nationwide is $284, which is a 9% savings. The cost of home and auto insurance before the discount is $3,017, but it lowers to $2,733 after applying the discount.

Compare home and auto bundles in Nevada

The amount you can save on home and auto insurance with a bundle in Nevada 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	$2,442	47	87.4	A++	23%	82.03
Farmers Insurance	$3,655	43	82	A	21%	71.61
American Family	$3,534	50	85	A	15%	66.13
Nationwide	$2,733	42	86.6	A	9%	60.22

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What company offers the cheapest home and auto bundles in Nevada?

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	$1,379	$1,784	$3,163	$2,442
Nationwide	$1,146	$1,871	$3,017	$2,733
American Family	$1,288	$2,849	$4,137	$3,534
Farmers Insurance	$1,435	$3,173	$4,608	$3,655
CSAA Insurance (AAA)	$2,010	$4,897	$6,907	$5,847

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

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 Nevada for bundling insurance.

Most expensive ZIP codes

The most expensive ZIP code in Nevada for home and auto insurance bundling is 89106 at an average rate of $4,732. See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
89106	$4,732	17%
89104	$4,588	17%
89169	$4,580	17%
89101	$4,563	17%
89109	$4,527	17%
89102	$4,482	17%
89158	$4,481	17%
89103	$4,480	17%
89146	$4,457	17%
89110	$4,424	16%

Least expensive ZIP codes

The least expensive ZIP code in Nevada for home and auto insurance bundling is 89701 at an average rate of $2,624. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
89701	$2,624	16%
89702	$2,668	17%
89703	$2,679	17%
89706	$2,687	17%
89445	$2,794	16%
89406	$2,805	17%
89441	$2,824	16%
89419	$2,857	17%
89415	$2,862	17%
89440	$2,863	17%

Frequently asked questions about bundling home and auto insurance

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

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 Nevada?

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.