Below are our picks for the best home and auto insurance bundling companies in Nebraska:
Best Home and Auto Insurance in Nebraska
Updated: April 7, 2025
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Key Takeaways
State Farm, Farmers and USAA are the top-rated home and auto insurance companies in Nebraska.
State Farm offers the best home and auto insurance discount, with savings of 14% on auto and 35% on home insurance.
The average annual cost of home and auto insurance in Nebraska is $4,338, about 40% higher than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Nebraska?
| USAA | 87 | $4,685 | $163 |
| State Farm | 83 | $3,901 | $1,559 |
| Farmers | 72 | $4,171 | $1,255 |
| Allstate | 63 | $4,595 | $386 |
State Farm: Best Cheap Home and Auto Insurance in Nebraska
State Farm is the cheapest home and auto insurance provider in Nebraska, saving customers $1,559 yearly. The company offers various discounts, with strong programs for young drivers. Its Drive Safe and Save program can reduce car insurance costs by up to 30%. J.D. Power ranks State Farm fifth for car and seventh for home insurance customer satisfaction, both above the national average.
| Auto | $1,466 | $245 | 14% |
| Home | $2,434 | $1,314 | 35% |
USAA: Best Home and Auto Insurance in Nebraska for Military
USAA is the best option for military members and their families, offering affordable rates and many discounts. These include a connected home discount, a discount for garaging your car on a military installation and its SafePilot program, which saves drivers up to 30%. J.D. Power ranks USAA as the top provider for customer satisfaction in home and auto insurance.
| Auto | $823 | $25 | 3% |
| Home | $3,862 | $138 | 3% |
Farmers: Best Home and Auto Insurance Coverage Options in Nebraska
Farmers isn't the most affordable option, but customers can save $1,255 yearly by bundling home and auto insurance. It offers additional discounts for homeowners and drivers, including discounts for paying online, energy-efficient homes and safe driving. The company provides typical insurance coverage options and some unique add-ons like rideshare insurance, new car replacement and coverage for customized equipment.
| Auto | $1,312 | $547 | 29% |
| Home | $2,859 | $708 | 20% |
Nebraska Home and Auto Insurance Cost
Nebraska residents pay an average of $362 per month for home and auto insurance, above the national average of $258. Depending on the provider, monthly costs range from $325 to $390.
| Nebraska home and auto insurance bundle | $4,338 | $-1,244 | 40% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Nebraska Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance in Nebraska is more expensive, your quotes may differ. Below are the average costs of all coverage combinations using our top providers without bundling, from cheapest to most expensive.
| USAA | Farmers | $4,414 |
| USAA | Allstate | $4,520 |
| USAA | State Farm | $4,596 |
| Allstate | Farmers | $4,875 |
| Allstate | State Farm | $5,057 |
| State Farm | Farmers | $5,278 |
| Allstate | USAA | $5,308 |
| State Farm | Allstate | $5,384 |
| Farmers | Allstate | $5,532 |
| Farmers | State Farm | $5,608 |
| State Farm | USAA | $5,711 |
| Farmers | USAA | $5,859 |
Should I Bundle Home and Auto Insurance in Nebraska?
For Nebraska drivers, bundling home and auto insurance often saves money compared with buying separate policies. However, you should assess your coverage needs and financial situation to find the best option.
Bundling discounts save you more than individual policies
In Nebraska, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $4,414, while bundling brings it down to $3,901.
Bundling makes policy management convenient
Bundling insurance policies makes managing your insurance easier since it’s through a single account.
In rare cases, it might be better not to bundle in Nebraska
Purchasing a nonbundle insurance option may not help you save more money, but it can provide more flexibility in coverage options.
Best Auto and Home Insurance in Nebraska: Bottom Line
State Farm, Farmers and USAA offer excellent home and auto insurance options. Bundling these policies can save you money compared with buying them separately. However, compare quotes from several companies to find the best deal for your needs.
Home and Auto Insurance in Nebraska: FAQ
Get expert answers to common Nebraska home and auto insurance questions here:
Who has the best home and auto insurance in Nebraska?
State Farm is the top choice for bundling home and auto insurance in Nebraska, offering the most affordable rates and largest discounts. USAA is best for military members and their families. Farmers leads in coverage options.
Who has the cheapest home and auto insurance in Nebraska?
State Farm offers the cheapest home and auto insurance bundle in Nebraska at $3,901 per year. Customers save $1,559 compared to the state average, a 29% discount.
How much does home and auto insurance in Nebraska cost on average?
Nebraska's average home and auto insurance bundle costs $4,338 yearly, about 40% higher than the national average. The most affordable bundle in the state costs about $3,901 annually, while the most expensive reaches $4,685.
Is bundling home and auto insurance cheaper in Nebraska?
Bundling home and auto insurance is typically cheaper in Nebraska, according to our research. While seeking cost savings, ensure adequate financial protection against major losses.
Best Auto and Home Insurance Bundle in Nebraska: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Nebraska Department of Insurance and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Nebraska
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Nebraska
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.