Best and cheapest companies for home and auto bundles in North Dakota

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When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in North Dakota to determine which will give you the biggest price break when you purchase multiple types of coverage.

American Family offers the biggest percentage break on your home and auto premiums in North Dakota when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 21%.

Meanwhile, American Family offers the cheapest overall rate when you bundle with the company in North Dakota. On average, you will pay $3,244 when you bundle.

Key Takeaways

In North Dakota, American Family is the top choice for bundling home and auto insurance. It offers an average savings of 21%.
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

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.

Our recommendation for the best home and auto bundles in North Dakota

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 North Dakota for home and auto bundling.

American Family

American Family offers a 21% bundle discount, which amounts to an average savings of $848. The combined cost of home and auto insurance before the discount is $4,092, and after the discount, it drops to $3,244.

State Farm

State Farm offers an average bundle discount of $800, or 19%. Before the bundle discount, you’ll pay an average of $4,300, which will decrease to $3,500 after the discount is applied.

Allstate

Bundling auto and home insurance with Allstate can save an average of $783, or 18%. Without the discount, the coverage costs $4,403, but after the discount, it’s only $3,620.

Farmers Insurance

The average bundle discount at Farmers Insurance is $974, or 16%. Before the discount is added, the average cost of home and auto insurance is $6,081. After adding the bundle discount, the average cost is $5,107. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and at No. 8 in the Best Home Insurance Companies ranking.

Auto-Owners

Auto-Owners offers an average bundle discount of $481, or 10%. The average rate for coverage before the discount is $4,651, and with the discount, it’s reduced to $4,170.

Compare home and auto bundles in North Dakota

Bundling your home and auto insurance in North Dakota can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
American Family	$3,244	50	85	A	21%	79.5
State Farm	$3,500	47	87.4	A++	19%	77.67
Allstate	$3,620	39	85	A+	18%	72.61
Farmers Insurance	$5,107	43	82	A	16%	60.06
Auto-Owners	$4,170	49	81.2	A++	10%	59.83

What company offers the cheapest home and auto bundles in North Dakota?

If you bundle your policies, American Family gives you the highest discount. American Family has the lowest overall rate for bundling.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
American Family	$2,885	$1,207	$4,092	$3,244
North Star Mutual	$1,839	$1,951	$3,790	$3,281
State Farm	$2,976	$1,324	$4,300	$3,500
Nodak Insurance	$2,107	$1,836	$3,943	$3,586
Allstate	$2,049	$2,354	$4,403	$3,620
Auto-Owners	$2,953	$1,698	$4,651	$4,170
Farmers Insurance	$4,411	$1,670	$6,081	$5,107

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

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in North Dakota for policyholders who bundle their coverage:

Most expensive ZIP codes

The most expensive ZIP code in North Dakota for bundling home and auto insurance is 58520, with an average cost of $4,420. Here are the 10 most expensive ZIP codes:

ZIP code	Average auto and home after discount	Average difference
58520	$4,420	16%
58571	$4,275	16%
58418	$4,116	16%
58622	$4,103	16%
58505	$4,065	16%
58504	$4,047	16%
58501	$4,043	16%
58601	$4,034	16%
58421	$4,002	16%
58503	$4,000	16%

Least expensive ZIP codes

The most affordable ZIP code in North Dakota for bundling home and auto insurance is 58078, with an average rate of $3,389. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
58078	$3,389	16%
58701	$3,629	16%
58401	$3,667	16%
58214	$3,677	16%
58703	$3,683	16%
58075	$3,718	16%
58707	$3,723	16%
58405	$3,741	16%
58237	$3,742	16%
58801	$3,785	16%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in North Dakota?

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 North Dakota?

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

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

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/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

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 North Dakota
Compare home and auto bundles in North Dakota
What company offers the cheapest home and auto bundles in North Dakota?
Most and least expensive ZIP codes for home and auto insurance bundles in North Dakota
Frequently asked questions about bundling home and auto insurance
Methodology