Best and cheapest companies for home and auto bundles in Nevada

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

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 Nevada 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 Nevada when you bundle your policies. By choosing this insurer, you can save an average of 23% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Nevada. When you bundle your policies, you can expect to pay an average of $2,442.

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 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 Nevada

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 Nevada.

State Farm

State Farm offers an average bundle discount of $721, which is a 23% savings on your premiums. Before the discount, the combined home and auto insurance cost is $3,163, and after applying the bundle discount, the total cost drops to $2,442.

Farmers Insurance

Farmers Insurance offers an average bundle discount of $953, or 21%. Before the bundle discount, you’ll pay an average of $4,608, which will decrease to $3,655 after the discount is applied.

American Family

The average bundle discount at American Family is $603, or 15%. Without the bundle discount, the average cost of coverage is $4,137. After the bundle discount, that cost goes down to $3,534. American Family ranked at No. 9 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

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

Bundling your home and auto insurance in Nevada 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	$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

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

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

State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.

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 bundling home and auto insurance is 89106, with an average cost of $4,732. Here are the 10 most expensive ZIP codes:

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 bundling home and auto insurance is 89701, with an average cost of $2,624. Here are the 10 cheapest ZIP codes:

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 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 Nevada?

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.

You might find interesting

Explore related topics

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.