Go To Top
Why you should trust Insurance.com
Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.

Bundling home and car insurance is an easy way to get lower premiums on both policies. When you purchase both home and auto insurance from the same company, you may qualify for a multi-policy discount. It lowers both your home and auto insurance rates.

There are other advantages, says Rick Krapes, a Country Financial insurance agent. "If you have both home and auto insurance with Country, and both your home and car are damaged in the same occurrence … you will only have to pay one deductible for your insurance," he says.

Many insurance companies in North Dakota provide discounts for bundling, but the discounts and rates can vary substantially, sometimes by hundreds of dollars. So, it's critical to consider the overall savings and individual policy rates to find the best bundling discount for auto and home insurance in North Dakota.

Cheapest home and auto bundles in North Dakota

The total cost of a home and auto bundle depends on the base prices for the underlying home and auto insurance coverages. The discount is applied to each policy. The table below shows the average rates for home and auto insurance, as well as the total premium with and without the bundle discount.

In North Dakota, the cheapest car and home bundles are offered by American Family, followed by North Star Mutual.

CompanyHome premiumAuto premiumBundle premiumWithout 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

The company with 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. On the other hand, at only 9%, the smallest multi-policy discount of the companies analyzed belongs to Nodak Insurance.

CompanyHome and auto bundle discount
American Family21%
State Farm19%
Allstate18%
North Star Mutual13%
Auto-Owners10%
Nodak Insurance9%

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

The table below shows North Dakota auto insurance rates before and after applying a bundling discount. The most affordable rate before the multi-policy discount belongs to American Family, which also has the biggest discount.

CompanyAuto premium before bundlingAuto premium after bundling$ difference after bundling% difference after bundling
American Family$1,207$976$23119%
State Farm$1,324$1,090$23418%
Auto-Owners$1,698$1,495$20412%
North Star Mutual$1,951$1,601$35018%
Nodak Insurance$1,836$1,653$18310%
Allstate$2,354$1,974$38016%

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 may give you a discount. And there’s an added benefit to the insurer in offering bundles: Customers who bundle are more likely to renew with their insurer.

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

The pros and cons of home and auto insurance bundles

The greatest benefit of bundling your home and car insurance is a cheaper premium.

But keep in mind that you won't always save money when you bundle. 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?

Before 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 purchase.

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, and other multi-policy discounts that can save you money on your insurance coverage.

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 lapse 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.

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.

What type of insurance policies can I bundle?

Multi-policy discounts can also apply to other types of insurance policies you buy from the same insurance company. Depending upon the insurer, you may also be able to bundle these types of insurance policies:

  • Condo
  • Renters
  • Motorcycle
  • RV
  • Life

Some auto insurance companies don't write homeowners insurance, but some may align themselves with a home insurer to offer a discount. Ask your agent or customer service representative to see if you can bundle multiple insurance policies.

Helpful Auto Insurance Articles & Guides