Best and Cheapest Home and Auto Bundle Companies in Nevada (2024)

Enter your ZIP code to get started


Free. Simple. Secure.

Banner image
ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

Advertising & Editorial Disclosure

MoneyGeek Logo IconBestInsurance BundleNevada

Why trust MoneyGeek? Nevada bundle rates are supported by our analysis of quotes, and ratings for the best bundles are based on our proprietary scoring system that balances cost and discounts with service experience.

MoneyGeek analyzed Nevada's home and car insurance bundles using Nevada Division of Insurance and Quadrant Information Services data.

80Quotes Analyzed
5Companies Compared
2Zip Codes

The Best Home and Auto Bundles in Nevada

MoneyGeek studied Nevada’s insurance companies and analyzed their bundle offers based on service quality, premium price and discount opportunities. Our research found that these providers offer the best home and car insurance bundles in Nevada:

  • State Farm: MoneyGeek score of 85 out of 100
  • Allstate: MoneyGeek score of 77 out of 100

State Farm scored 4 out of 5 for home and car insurance satisfaction while having a mid-range price. On the other hand, Allstate received the same scores as State Farm but costs more.

State Farm



Scored 4 out of 5 in auto and home insurance


Scored 5 out of 5 for discounts


Has loss assessment coverage


Offers energy efficiency upgrade coverage



Doesn’t have extended reimbursement coverage


Lacks contents replacement cost insurance


MoneyGeek’s research shows that State Farm offers Nevada’s overall best home and auto insurance bundle. Its bundled policies cost approximately $2,667 per year, with a bundling discount of roughly 13%, or $416 per year.

Additionally, State Farm provides useful add-on coverages that increase consumer protection. If you're buying auto insurance from State Farm, you can include rideshare insurance. This rider offers continuous coverage even while a transportation network company employee waits for a passenger.

You can add loss assessment coverage to your State Farm home insurance policy. This coverage pays for your portion of HOA-related expenses following a covered loss. You can also add energy efficiency upgrade coverage, which shoulders up to 150% of the cost of replacing your heating, air conditioning or water heating unit with a more energy-efficient option.

Read MoneyGeek's State Farm Auto Insurance Review



Rated 4 out of 5 in car and home insurance and discounts


Offers custom parts coverage


Has yard and garden coverage as an add-on



Lacks multiple car discount


Doesn’t offer home renovation discount


Based on MoneyGeek’s analysis, Allstate is Nevada’s second-best home and car insurance bundle provider. Its bundled policies cost approximately $2,715 per year, which is the second most expensive in the state, even with a bundling discount that amounts to roughly 8%, or $230 per year.

Notably, Allstate auto insurance offers custom parts coverage, which pays for damages to your car’s custom equipment, such as carpeting, bars, graphics and height-extending roofs. You can also get portable electronics and media coverage, which protects your tapes, CDs and other items related to your vehicle’s sound system.

Allstate home insurance offers a yard and garden add-on that increases your coverage limits for items like trees, landscaping and lawn mowers. You can also include mold coverage in your policy.

Read MoneyGeek's Allstate Auto Insurance Review

The Best Home and Auto Bundles in Nevada for Military Backgrounds

Home and auto insurance policies from USAA are only available to active service members, veterans and their families. Despite their limited availability, they are a great insurance option for Nevadans with military backgrounds.

MoneyGeek Top Pick

If you have a military background, USAA offers the best home and car insurance bundle in Nevada. This company scored 5 out of 5 for car insurance and 4 out of 5 for home insurance. Its bundled policies cost around $2,113 per year, the cheapest in the state.

You can add accident forgiveness coverage to your USAA auto policy to avoid a surcharge after your first at-fault accident. Keep in mind that you need to be accident-free for over five years before you can get this coverage. Additionally, you can get earthquake coverage with your USAA home insurance policy.

The Best Home and Auto Bundle Discounts in Nevada

On average, you receive a 7%, or $205 discount, when you bundle your home and auto insurance in Nevada.

Based on our analysis, State Farm has the highest bundling discount in the state at 13%. Meanwhile, Travelers offers the lowest discount at 2%.

However, the company with the highest bundling discount doesn’t always have the cheapest rates.

In fact, State Farm’s policies have a mid-range price at approximately $2,667 per year. Conversely, Travelers provides the cheapest bundled insurance in Nevada, despite having the lowest discount. On average, its home and auto insurance policies cost $2,224 per year.

Home and Auto Bundle Discount in Nevada

The Cheapest Home and Auto Bundles in Nevada

Without discounts, the most affordable home and auto insurance bundles in Nevada are:

  • Travelers: $2,224 per year
  • State Farm: $2,667 per year

USAA offers cheaper home and car insurance bundles at around $2,113 per year. However, this company’s policies are only available to veterans, military members and their families.

MoneyGeek Top Pick

Travelers has the cheapest home and auto insurance bundle in Nevada. You can bundle policies with this company for around $2,224, which comes with a 2% or $42 discount. In addition, Travelers has various discount opportunities that can further reduce the cost of its policies.

For example, students with a B average or better can save on their car insurance. In addition, Travelers gives you a discount if you have had no accidents, violations or major comprehensive claims in your household for at least three years. Likewise, you can receive a discount on your home insurance premiums if you haven't experienced a loss within a specified time.

TravelersAnnual Premium$2,224
State FarmAnnual Premium$2,667
AllstateAnnual Premium$2,715
FarmersAnnual Premium$3,401

The Cheapest Non-Bundle Insurance Combinations in Nevada

If you don't like the bundling options available, you can still get affordable insurance by combining home and car policies from two companies.

In Nevada, combining Farmers' home insurance with Travelers' auto insurance results in the lowest rate of around $2,306 per year. However, bundling your home and auto insurance with Travelers is still cheaper at $2,224 per year.

TravelersHome InsuranceFarmersAnnual Premium$2,306
TravelersHome InsuranceAllstateAnnual Premium$2,455
State FarmHome InsuranceTravelersAnnual Premium$2,523
State FarmHome InsuranceFarmersAnnual Premium$2,564
State FarmHome InsuranceAllstateAnnual Premium$2,712
AllstateHome InsuranceTravelersAnnual Premium$2,755
AllstateHome InsuranceFarmersAnnual Premium$2,796
TravelersHome InsuranceState FarmAnnual Premium$2,825

Should You Bundle Home and Auto Insurance in Nevada?

Bundling your home and car insurance is recommended in most cases. It results in premium savings and gives you the convenience of dealing with just one company. However, some individuals may find a better deal by combining home and auto policies from different companies.

    discount icon

    Bundle discounts in Nevada can save you between 2% and 13% per year.

    You can bundle your home and auto insurance in Nevada to reduce your insurance costs. State Farm has the highest discount in the state at 13%, whereas Travelers offers the lowest discount at 2%.

    homeInsurance icon

    Bundles are a convenient way to combine your most important property insurance policies.

    Bundling your home and auto insurance in Nevada is advisable. Doing so results in an average of 7% or $205 discount. Bundling also gives you the convenience of doing business with one provider.

    uninsured icon

    In rare cases, it might be better not to bundle in Nevada.

    Sometimes, pairing home and auto insurance from different companies can result in better rates than bundling because prices vary depending on your profile and preferences.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.