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

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Bundling home and auto insurance in North Dakota can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, Farmers provides the highest percentage savings, while American Family offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within North Dakota.

What you need to know about bundling in North Dakota

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
Farmers offers the largest bundle discount in North Dakota, saving about 23%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within North Dakota can significantly affect how much you save.
Bundling is often cheaper and more convenient, but it’s not always the best overall value.

Which companies offer the best home and auto bundles in North Dakota? Here’s our pick

North Star Mutual, Nodak Insurance and American Family rank among the best home and auto bundle companies in North Dakota, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in North Dakota:

North Star Mutual

The average bundle discount at North Star Mutual is $706, or 14%. North Star Mutual offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $5,038.

Nodak Insurance

The average bundle discount at Nodak Insurance is $459, or 9%. For policyholders who carry both home and auto with Nodak Insurance, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $4,994 for coverage.

American Family

The average bundle discount at American Family is $973, or 20%. Bundling with American Family also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage is $4,791.

State Farm

The average bundle discount at State Farm is $1,112, or 20%. Before the discount, the average cost of home and auto insurance is $5,546.

Allstate

The average bundle discount at Allstate is $1,062, or 18%. Without the bundle discount, the average rate for home and auto is $5,923.

People also ask:

Who has the cheapest home and auto bundle in North Dakota?

In North Dakota, American Family offers the cheapest rates for home and auto bundle, with an average premium of $3,818.

How much can you save by bundling home and auto insurance in North Dakota?

On average, bundling home and auto insurance can save you about 17%, though your exact savings will depend on your coverage, location, and eligibility for discounts.

How do home and auto bundle rates compare in North Dakota?

Home and auto bundle rates in North Dakota vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

Here’s how rates and savings compare across top insurers in North Dakota:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
North Star Mutual	A+	A+	$2,877	$2,161	0.08	0.18	$4,332	4.61
Nodak Insurance	A	A	$2,539	$2,455	0.12	0.29	$4,535	4.34
American Family	A	A	$1,350	$3,441	0.67	1.07	$3,818	4.22
State Farm	A+	A+	$2,396	$3,150	0.87	1.15	$4,434	3.86
Allstate	A+	A+	$3,337	$2,586	1.20	1.26	$4,861	3.46
Auto-Owners	A+	A+	$2,566	$4,498	0.44	0.39	$6,320	3.28
Farmers	A	A	$4,661	$2,950	1.24	0.89	$5,863	2.93

Bundle savings can vary more than you expect

Two insurers may offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in North Dakota?

American Family is the most affordable option for home and auto bundles in North Dakota, based on total premium. On the other hand, Farmers is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

Here’s how the cheapest bundle options compare in North Dakota:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
American Family	$3,441	$1,350	$4,791	$3,818
North Star Mutual	$2,161	$2,877	$5,038	$4,332
State Farm	$3,150	$2,396	$5,546	$4,434
Nodak Insurance	$2,455	$2,539	$4,994	$4,535
Allstate	$2,586	$3,337	$5,923	$4,861
Farmers	$2,950	$4,661	$7,611	$5,863
Auto-Owners	$4,498	$2,566	$7,064	$6,320

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price, check three things: the liability limits, the deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t a better deal – it’s a more expensive one the moment you need to use it.

Which ZIP codes are most and least expensive in North Dakota?

The most expensive ZIP code for home and auto bundles in North Dakota is 58520, with average rates of $5,441, while the cheapest is 58078, where average premiums drop to $3,960. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten 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 $5,441.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
58520	$5,441	$1,061	16%
58601	$5,311	$1,040	16%
58505	$5,088	$984	16%
58504	$5,086	$988	16%
58501	$5,058	$982	16%
58571	$5,016	$980	16%
58503	$5,012	$979	16%
58622	$4,898	$950	16%
58763	$4,815	$946	16%
58418	$4,775	$927	16%

Top ten cheapest ZIP codes

The least expensive ZIP code in North Dakota for home and auto insurance bundling is 58078 at an average rate of $3,960.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
58078	$3,960	$769	16%
58214	$4,278	$833	16%
58401	$4,385	$863	16%
58237	$4,401	$855	16%
58270	$4,418	$859	16%
58318	$4,425	$863	16%
58075	$4,441	$876	16%
58701	$4,445	$857	16%
58405	$4,457	$891	17%
58076	$4,474	$892	17%

Location can impact your premium more than you might expect

Local risk factors such as weather exposure, crime rates and rebuilding costs can create significant price differences even within the same city. Two homes located close to each other but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is typical, check whether your ZIP code is driving it higher – and if you’re planning to move, compare insurance rates for your new address before finalizing your decision.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in North Dakota by city

See rates in your city

Fargo

Grand Forks

West Fargo

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 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 7 companies and 32 ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in North Dakota can help reduce costs and simplify policy management, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in North Dakota?

Switching to a bundle is straightforward. Many people make the change when one of their policies is up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in North Dakota? Here's our pick
How do home and auto bundle rates compare in North Dakota?
What is the cheapest home and auto bundles in North Dakota?
Which ZIP codes are most and least expensive in North Dakota?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

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