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

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

We ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in North Dakota.

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

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

Allstate offers an average discount of $783 when you bundle your auto and home insurance, which is about 18%. Without the discount, the average cost is $4,403, but with the discount, it drops to $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 provides an average bundle discount of $481, or 10%. Before the discount, the average cost for coverage is $4,651. After applying the discount, the cost comes down 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

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

American Family provides the largest discount on premiums for bundled insurance, while American Family offers the lowest overall rate when 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 ZIP code 58520 in North Dakota has the highest average cost for bundling home and auto insurance, at $4,420. See the top 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 least expensive ZIP code in North Dakota for bundling home and auto insurance is 58078, with an average cost of $3,389. Here are the 10 cheapest 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.

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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.