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 offers the biggest average discount of 21% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

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 North Dakota

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in North Dakota.

American Family

American Family offers an average bundle discount of $848, which is a 21% savings on your premiums. Before the discount, the combined home and auto insurance cost is $4,092, and after applying the bundle discount, the total cost drops to $3,244.

State Farm

The average bundle discount at State Farm is $800, or 19%. Without a bundle discount, customers pay $4,300 for coverage. After the bundle discount, customers pay $3,500 on average. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Allstate

The average bundle discount at Allstate is $783, or 18%. Without the bundle discount, the average cost of coverage is $4,403. After the bundle discount, that cost goes down to $3,620. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

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?

American Family offers the biggest percentage discount if you bundle. American Family offers the cheapest rate overall if you bundle.

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

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 North Dakota for bundling insurance.

Most expensive ZIP codes

The most expensive ZIP code in North Dakota for home and auto insurance bundling is 58520 at an average rate of $4,420. See the 10 most expensive ZIP codes below.

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 home and auto bundle insurance

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

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“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?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

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

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.

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 home and auto bundle insurance
Methodology