Cheapest home and auto insurance bundle in North Dakota

Cheapest home and auto bundles in North Dakota

The price you pay with a home and auto bundle depends on the base prices for the home and auto policies in addition to the amount discounted on each policy. The table below shows the average rates for home insurance and auto insurance and how much the total premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. is with and without the bundling discount.

The cheapest car and home bundles in North Dakota are from American Family, followed by North Star Mutual.

Company	Home premium	Auto premium	Bundle premium	Without bundle premium
American Family	$2,885	$1,207	$3,244	$4,092
North Star Mutual	$1,839	$1,951	$3,281	$3,790
State Farm	$2,976	$1,324	$3,500	$4,300
Nodak Insurance	$2,107	$1,836	$3,586	$3,943
Allstate	$2,049	$2,354	$3,620	$4,403
Auto-Owners	$2,953	$1,698	$4,170	$4,651
Farmers	$4,411	$1,670	$5,107	$6,081

The company offering the cheapest home and auto bundle in North Dakota

American Family

Our take: American Family auto insurance customers give the company high marks for auto and home bundling and customer satisfaction. Eighty-eight percent of American Family customers who responded to an Insure.com survey gave it high marks for customer service and more than nine in 10 said they would recommend the company to others. American Family ranked second in J.D. Power’s 2023 overall home insurance satisfaction survey.

Biggest home and auto bundle discounts in North Dakota

With an average of 21%, the largest discount for bundling home and auto insurance can be found at American Family. In contrast, at only 9%, the smallest multi-policy discount of the companies analyzed belongs to Nodak Insurance.

Company	Home and auto bundle discount
American Family	21%
State Farm	19%
Allstate	18%
Farmers	16%
North Star Mutual	13%
Auto-Owners	10%
Nodak Insurance	9%

How do home and auto bundles affect car insurance rates in North Dakota?

The table below displays North Dakota auto insurance rates both before and after a bundling discount is applied. The cheapest price after the multi-policy discount belongs to American Family at $976. The most significant discount on auto is offered by Farmers at 23%.

Company	Auto premium before bundling	Auto premium after bundling	$ difference after bundling	% difference after bundling
American Family	$1,207	$976	$231	19%
State Farm	$1,324	$1,090	$234	18%
Farmers	$1,670	$1,288	$381	23%
Auto-Owners	$1,698	$1,495	$204	12%
North Star Mutual	$1,951	$1,601	$350	18%
Nodak Insurance	$1,836	$1,653	$183	10%
Allstate	$2,354	$1,974	$380	16%

What are the best home and auto insurance companies in North Dakota?

When shopping for the right company for your home and auto insurance, it’s important to consider more than just bundling. You want a company that has a solid reputation as well as great rates. Below are the best home and auto insurance companies in North Dakota overall based on our analysis of rates, financial stability and customer complaints.

Best home insurance companies in Texas

Best home insurance companies in North Dakota
Best car insurance companies in North Dakota

Company	AM Best	NAIC	Average annual premium	Insurance.com score
North Star Mutual	A+	0.72	$1,895	5.00
American Family	A	0.37	$2,435	4.94
Agraria Mutual	A	0.22	$2,017	4.89
Allstate	A+	0.9	$2,641	4.64
Auto-Owners	A++	0.33	$3,160	4.49
State Farm	A++	0.95	$3,128	4.48
Country Financial	A+	0.26	$3,196	4.40
Farmers	A	0.54	$4,527	3.68

Company	AM Best	J.D. Power by state	NAIC	Average annual premium	Insurance.com score
Auto-Owners	A++	829	0.5	$1,717	3.58
Nationwide	A+	792	0.64	$1,152	3.36
Progressive	A+	803	0.65	$1,403	3.19
State Farm	A++	833	0.7	$1,738	3.13
Geico	A++	819	0.91	$1,773	2.9
American Family	A	837	1.1	$1,092	2.85
Allstate	A+	806	0.65	$2,339	2.54
Farmers	A	819	0.8	$2,077	2.52

Home and auto bundle insurance in North Dakota cities

Where you live in North Dakota will impact what you pay for an auto and home insurance bundle. Take a look at average home and auto insurance bundles by city below.

City	Auto & home after discount	Auto & home before discount	$ Difference	% Difference
Almont	4,420	5,306	886	17%
Aneta	3,856	4,640	784	16%
Arvilla	3,677	4,426	748	17%
Belfield	4,103	4,912	809	16%
Bismarck	4,039	4,838	800	16%
Bottineau	3,786	4,547	761	16%
Bowbells	3,920	4,708	787	16%
Bowdon	4,116	4,944	828	16%
Carrington	4,002	4,828	827	16%
Dazey	3,831	4,624	793	16%
Dickinson	4,034	4,827	793	16%
Dunseith	3,852	4,636	784	16%
Enderlin	3,789	4,572	783	17%
Grafton	3,742	4,497	755	16%
Jamestown	3,704	4,458	755	16%
Lidgerwood	3,800	4,588	788	16%
Minot	3,678	4,409	731	17%
New Rockford	3,897	4,686	788	16%
New Town	3,991	4,798	807	16%
Park River	3,823	4,603	780	16%
Rugby	3,880	4,670	790	16%
Stanton	4,275	5,132	857	16%
Wahpeton	3,764	4,542	778	17%
West Fargo	3,389	4,055	666	16%
Williston	3,785	4,544	759	16%

How does bundling home and car insurance work?

The concept of bundling is pretty straightforward. You buy more than one type of insurance from the same company and, in exchange for the increased business, the insurance company gives you a discount. And there’s an additional benefit for the insurer for offering bundles: Customers who bundle are more likely to renew their policies.

You typically get discounts on both car insurance and home insurance when you bundle coverage. The discount isn’t equal for both policies. Each insurer has its own discount formulas. Companies may offer a greater discount on one than the other.

The pros and cons of home and auto insurance bundles

The biggest benefit of bundling your home and auto insurance is a decreased premium.

But keep in mind that you won't always save money bundling. You could find a provider with a low price on one of the two policies, which could result in better savings than a bundle. Here’s how that works:

If you currently pay $1,000 for car insurance from one insurer and $1,200 for home insurance from another, that's a total of $2,200.
But let's say you decide to buy your home insurance from your auto insurer. The cost for the new home insurance policy is $1,500, or $300 more than your current cost.
Your total rate under the bundle would be $2,500, a $300 increase.
That means you'd need a bundle discount of at least $400 or so to lower the total bundle rate enough to save money compared to the price you currently pay for separate policies.

That's why you should compare home and auto insurance bundle quotes to what you're paying for separate policies. Rates on bundles aren't always lower.

Should you bundle home and auto insurance in North Dakota?

Prior to signing up for an auto and home bundle, it’s important to shop around. Bundling your car and homeowners insurance has many advantages; you only have to deal with a single company and with a single bill, and you typically get a discount on both policies. However bundling isn’t always the best deal.

Some companies have cheap car insurance rates but less competitive home insurance rates, and vice versa. You might pay less overall by choosing two different companies for your insurance.

Shop around and evaluate North Dakota car insurance rates on an individual basis and with a bundling discount to make sure you’re getting the best deal before you buy.

Methodology

In the spring of 2023, Insurance.com analyzed rate and discount data from Quadrant Data Services. The rates, from 2022, are the most recent available to Insurance.com and are based on a 40-year-old male driver with a 12-mile daily commute, good credit and a clean driving history. Rates were fielded for a full-coverage policy (100/300/100 with a $500 collision and comprehensive deductible). Homeowners insurance rates are based on $300,000 in dwelling coverage with $300,000 in liability and a $1,000 deductible.

FAQs: Home and auto insurance bundling

Below are answers to common questions about bundling home and auto bundles and other multi-policy discounts that can save you money on your insurance.

How do I cancel my insurance and bundle with another company?

You should have your new policy ready to go first, as you want to avoid a lapseWhen your auto insurance coverage ends because you missed a payment or did not renew it on time. A lapse in auto insurance coverage may result in paying higher premiums for a new policy. in coverage. Once you have the new policy start date, give your car or homeowners insurance company at least a 30-day notice of your cancellation. You can set the start date of your new policy for the day your old policy ends. By doing so, you'll ensure that your former company will stop billing you by the time your new policy is in effect. You'll also prevent any coverage gaps between the canceled policy and the new one.

Is there a limit on how many policies can be bundled?

Usually, you can purchase as many insurance policies as you want from the same company. However, that doesn’t mean you will get a bundling discount with every policy you buy. There may be a limit on the number of policies you can bundle with one company. For instance, you might only qualify for a bundling discount on the three most expensive policies. Speak with an agent from your insurance company to learn more about the limitations.

Which insurance companies bundle home and auto insurance?

Almost every insurance company offers a bundling discount, often called a multi-policy discount. Multi-policy discounts aren't just for auto and home. They often include other home insurance policies like renters and condo, as well as motorcycle insurance and in some cases life, RV, boat, and others.