American Family is the top-ranked home and auto bundle insurer in North Dakota, earning a MoneyGeek score of 4.8 out of 5 with an annual bundled premium of $2,298. MoneyGeek analyzed 200 quotes across 5 North Dakota ZIP codes, weighting each provider on affordability, customer satisfaction, and coverage quality. State Farm ties Farmers for the highest bundle discount at 18%, generating $835 in annual savings for State Farm policyholders, the most dollar savings of any carrier in the state.
Best Home and Auto Insurance Bundle in North Dakota
Updated: May 7, 2026
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Key Takeaways
American Family offers the best home and auto bundle insurer in North Dakota, with a MoneyGeek score of 4.8 out of 5 and the cheapest annual bundled rate of $2,298, the lowest among all ranked providers.
State Farm and Farmers both offer North Dakota's highest bundle discount at 18%. State Farm saves policyholders $835 a year; Farmers saves $1,275, though Farmers' total annual premium of $5,633 is the highest in the state.
A bigger discount doesn't guarantee a lower total: Farmers' 18% discount still results in $5,633 a year, while American Family's 14% discount delivers the cheapest combined premium at $2,298 a year.
Best Home and Auto Insurance Bundle in North Dakota
| American Family | 4.83 | $2,298 | 14% |
| State Farm | 4.7 | $3,747 | 18% |
| Allstate | 4.57 | $3,340 | 15% |
| Farmers | 4.45 | $5,633 | 18% |
To learn more about how we rank the top home and auto insurance bundles, see our methodology.
Top 3 Home and Auto Bundle Companies in North Dakota
The top three home and auto bundle providers in North Dakota are American Family, State Farm, and Allstate. American Family leads on price with the lowest annual bundled rate at $2,298, while State Farm delivers the biggest dollar savings at $835 through its 18% bundle discount. Allstate rounds out the top three with the highest bundled coverage score among ranked providers at 3.82 and a mid-range annual premium of $3,340. North Dakota's exposure to severe hail, tornadoes, and harsh winters with heavy snow loads makes coveragea factor that separates these three from lower-ranked carriers.
American Family Insurance
MoneyGeek Rating
4.8/ 5
5/5Affordability
4/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$2,298Monthly Bundle Premium
$192Bundle Savings
14%
State Farm
MoneyGeek Rating
4.7/ 5
3.8/5Affordability
3.9/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$3,747Monthly Bundle Premium
$312Bundle Savings
18%
Allstate
MoneyGeek Rating
4.6/ 5
4.1/5Affordability
3.5/5Customer Experience
3.8/5Coverage
Annual Bundle Premium
$3,340Monthly Bundle Premium
$278Bundle Savings
15%
Cheapest Home and Auto Bundle in North Dakota
American Family is the cheapest home and auto bundle provider in North Dakota, with an annual bundled rate of $2,298, more than $1,000 less per year than the next cheapest option. Farmers and State Farm both offer the highest bundle discount at 18%, but Farmers' total annual premium of $5,633 is the most expensive in the state, showing that a large percentage discount applied to a high base rate can still leave policyholders paying far more for car insurance.
| American Family | $2,298 | $387 |
| Allstate | $3,340 | $577 |
| State Farm | $3,747 | $835 |
| Farmers | $5,633 | $1,275 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
Companies Offering the Biggest Bundle Discount in North Dakota
Farmers and State Farm are tied for the highest bundle discount in North Dakota at 18%, but they produce very different outcomes for policyholders. State Farm's 18% discount saves $835 per year on a $3,747 total premium, while Farmers' identical discount saves $1,275 on a much higher $5,633 annual bill. American Family's 14% discount is the smallest in percentage terms, yet it produces the lowest total premium in the state at $2,298, concrete evidence that comparing total premiums, not just discount percentages, is the right approach when shopping for a bundle.
| Farmers | 18% | $1,275 | $5,633 |
| State Farm | 18% | $835 | $3,747 |
| Allstate | 15% | $577 | $3,340 |
| American Family | 14% | $387 | $2,298 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
FINDING HOME AND AUTO INSURANCE BUNDLE IN NORTH DAKOTA
North Dakota ranks among the most hail-active in the country, and its tornado and severe thunderstorm exposure during spring and summer adds risk to home insurance pricing statewide. Harsh winters bring heavy snow loads, blizzards, and ice that can damage roofs and infrastructure, costs that carriers price into North Dakota home premiums year-round. Outside the Fargo-Bismarck-Grand Forks corridor, fewer carriers actively compete for homeowners business, which can limit options and reduce pricing pressure in rural areas. All providers included in MoneyGeek's analysis are actively writing policies in North Dakota.
How to Get Cheap Home and Auto Bundle Insurance in North Dakota
North Dakota homeowners pay two compounding cost pressures: the state is one of the most hail-active in the country, and its severe winters with heavy snow loads, blizzards, and ice create year-round structural risk that pushes home insurance premiums above national averages.
- 1
Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can lower your annual home premium by a meaningful amount, often 10% to 15% depending on your carrier and ZIP code. The same logic applies to your auto comprehensive and collision deductibles: a higher deductible means a lower annual premium. Before making this change, confirm you have sufficient cash reserves to cover the higher out-of-pocket cost in the event of a claim, particularly given North Dakota's hail and winter storm frequency.
- 2
Try a Telematics Auto Program
Telematics programs track driving behaviors including speed, hard braking, and mileage to calculate a personalized auto rate. Progressive's Snapshot program is available to North Dakota drivers and can produce meaningful rate reductions for safe, low-mileage drivers. Nationwide's SmartRide program is another option for policyholders bundling with that carrier. These telematics savings stack on top of any existing bundle discount, making them one of the most efficient ways to reduce total insurance spend.
- 3
Add Hail-Resistant Roofing and Winterize Your Home
North Dakota has two distinct home insurance cost drivers: severe hail and tornado exposure during storm season, and harsh winters with heavy snow loads, blizzards, and ice that can damage roofs and infrastructure. Installing impact-resistant roofing certified for hail resistance, Class 3 or Class 4 shingles, can qualify for meaningful home insurance discounts with many carriers, including those ranked in this analysis. Winter weatherization improvements such as pipe insulation, attic air sealing, and storm windows also qualify for discounts with select carriers. Contact your insurer directly to confirm which upgrades trigger a premium reduction before investing.
- 4
Compare Quotes When Your Policy Renews
The spread between the cheapest and most expensive bundled provider in North Dakota is $3,335 per year, with American Family at $2,298 versus Farmers at $5,633. Even comparing the top three providers reveals a $1,449 annual gap between American Family and State Farm. Shopping bundled quotes at renewal takes less than an hour and can produce savings that dwarf any single discount or deductible adjustment. Set a calendar reminder to compare at least 60 days before your current policies expire.
Home and Auto Insurance Bundle in North Dakota: FAQ
How does North Dakota's severe weather affect home and auto bundle rates?
North Dakota's severe weather environment pushes home insurance premiums meaningfully higher than the national average, which in turn raises bundled rates for all carriers in the state. The state ranks among the most hail-active in the country, and its tornado and blizzard exposure adds year-round structural risk that carriers price into every home policy. MoneyGeek's North Dakota analysis found bundled annual premiums ranging from $2,298 to $5,633, a spread that reflects both weather risk and carrier-specific underwriting decisions.
Is bundling home and auto insurance always cheaper in North Dakota?
Bundling home and auto typically saves North Dakota policyholders between $387 and $1,275 per year compared to buying home and auto policies separately, based on MoneyGeek's analysis. However, the discount percentage alone does not determine whether bundling is the best financial choice, as the underlying base rates matter just as much. Comparing total bundled premiums across multiple carriers, rather than focusing only on discount percentages, will produce the most accurate picture of your potential savings.
Which company offers the biggest bundle discount in North Dakota?
Farmers and State Farm are tied for the highest bundle discount in North Dakota at 18%. State Farm's 18% discount translates to $835 in annual savings on a combined premium of $3,747, while Farmers' identical discount saves $1,275 but on a much higher total bill of $5,633. For most North Dakota policyholders, State Farm's combination of a high discount and a mid-range total premium will represent better value than Farmers.
What coverage levels were used in MoneyGeek's North Dakota bundle analysis?
MoneyGeek's North Dakota analysis used 50/100 auto coverage with a $1,000 deductible and $250,000 dwelling coverage with $125,000 personal property and $200,000 liability for the home policy. The benchmark profile is a 40-year-old with good credit, a clean driving record, and a 2,500-square-foot home built in 2000. Rates were gathered from 200 quotes across 5 North Dakota ZIP codes. Your actual rate will vary based on your ZIP code, claims history, home age, and individual driver profile.
Can North Dakota renters bundle renters and auto insurance instead of home and auto?
Yes. Most major carriers that write auto insurance in North Dakota also offer renters insurance, and bundling the two policies typically produces a discount of 5% to 15% on the auto policy. While the dollar savings are smaller than a home and auto bundle, the process is identical: purchase both policies from the same carrier and request the multi-policy discount at binding.
MoneyGeek analyzed 200 quotes across 5 North Dakota ZIP codes. Data sources include Quadrant Information Services; AM Best, J.D. Power, and the North Dakota Insurance Department. Figures are averages and actual rates vary by ZIP code, claims history, and individual profile.
MoneyGeek's North Dakota home and auto bundle rankings are reviewed and updated annually. Rate data was collected in 2026 from Quadrant Information Services across 5 North Dakota ZIP codes. Customer satisfaction and complaint data are updated when new J.D. Power study results and state insurance department complaint indexes are published. If you notice a rate or score that appears outdated, please contact our editorial team.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.