The Best Bundled Insurance in North Dakota
The Best Home and Auto Bundles in North Dakota
MoneyGeek ranked insurance providers based on their service quality, policy price and discounts. Our analysis shows the following companies have the best home and auto insurance bundles in North Dakota:
- State Farm: MoneyGeek score of 82 out of 100
- Farmers: MoneyGeek score of 80 out of 100
State Farm earned the highest scores in the state in terms of auto policy satisfaction, home policy satisfaction and bundle affordability. Meanwhile, Farmers earned similar scores while having cheaper rates.
Scored 4 out of 5 for auto and home insurance and discounts
Offers mold coverage as a rider
Provides earthquake insurance as an add-on
Lacks extended reimbursement coverage
Doesn’t offer contents replacement cost insurance
State Farm offers the overall best home and car insurance bundle in North Dakota, although its bundled policies are the most expensive in the state. On average, its bundled policies cost $2,781 per year, after a 16% discount of $541 per year.
State Farm’s car insurance offers several standard add-on coverages, such as roadside assistance and rental car/travel reimbursement. It also allows you to include rideshare insurance to your auto insurance policy if you work for Lyft or Uber. However, the company does not offer other standard add-ons like better car replacement, accident forgiveness and gap insurance.
Customers can modify their State Farm home insurance policies with up to 12 add-on coverages compared with the industry standard of five. Examples include mold coverage up to $20,000, identity theft and earthquake damage.
Scored 4 out of 5 in auto and home insurance
Received 5 out of 5 for discounts
Offers matching coverage as an add-on
Doesn’t have sewage backup or drain coverage
Lacks home renovation coverage
Farmers is our runner-up for best home and auto insurance bundles in North Dakota. This company offers the third-cheapest rates in the state. On average, its bundling discount results in a 14% or $431 reduction in annual cost for a total home and auto insurance policy cost of $2,558 per year.
Farmers auto insurance offers custom parts coverage, a rare add-on to auto insurance policies. This coverage pays for repairing or replacing aftermarket car equipment, such as infotainment systems and custom wheels. Farmers also offers a glass deductible modification coverage, another rare rider. This add-on reduces your policy’s comprehensive deductible to $100 if the covered damage is restricted to glass.
You can add up to seven coverages to a Farmers home insurance policy. These include matching coverage, which allows you to replace undamaged parts of your property so they’ll look similar to any repairs done to a damaged area. Farmers also offers energy efficiency upgrade coverage that allows you to receive up to $25,000 when you replace your house’s materials and appliances with green alternatives.
The Best Home and Auto Bundle Discounts in North Dakota
The average home and car insurance bundle discount in North Dakota is 12%, which amounts to roughly $344 per year. Our research shows that State Farm offers the highest discount among providers in the state at 16%. Conversely, Metropolitan has the smallest discount at 9%.
However, keep in mind that although State Farm offers the highest bundling discount, its policies are the most expensive in North Dakota at approximately $2,781 per year. Allstate offers the cheapest home and auto insurance bundle in North Dakota at roughly $2,022 per year despite having a below-average discount rate of 11%.
The Cheapest Home and Auto Bundles in North Dakota
Without considering discounts, these companies offer the cheapest home and auto insurance bundles in North Dakota:
- Allstate: $2,022 per year
- Farmers: $2,558 per year
Nonetheless, keep in mind that rates may vary based on your profile and preferences. Moreover, choosing the most affordable option may not always lead to the best customer experience. MoneyGeek suggests choosing providers that offer a balance of affordability and service quality.
MoneyGeek’s research shows Allstate offers the most affordable home and car insurance bundle in North Dakota. On average, its bundled policies cost $2,022 per year due to its 11%, or $250, discount.
Allstate offers other discount opportunities that further reduce the cost of its car insurance policies. Notably, it reduces the rates of drivers who have met certain safe driving requirements. The company also provides discounts to full-time students who have good grades. The good grades discount is particularly helpful, given the high cost of insuring student and younger adult drivers.
Allstate’s homeowners insurance offers nine add-on coverages. These include electronic data recovery and coverage for musical instruments and sports equipment. In addition, homeowners with landscaped yards or gardens can add coverage for trees, landscaping damage and lawnmowers.
The Cheapest Non-Bundle Insurance Combinations in North Dakota
It’s possible to get affordable policies by pairing home and auto insurance from two companies. This may be an option if you’re unsatisfied with the bundling opportunities available.
Our research shows if you combine a State Farm auto insurance policy with an Allstate home insurance policy in North Dakota, you’ll pay a combined premium of $1,867 per year. This cost is $155 less than Allstate’s bundled home and car insurance, which is the cheapest in the state at $2,022 per year.
Should You Bundle Home and Auto Insurance in North Dakota?
In most cases, we recommend bundling your home and car insurance in North Dakota. Not only will bundling reduce your overall premiums, but you can also benefit from the convenience of dealing with one company. Still, bundling may not be the best option for some consumers.
Bundle discounts in North Dakota can save you between 9% and 16% per year.
Bundling your home and car insurance in North Dakota can reduce your insurance premiums. State Farm offers the highest possible discount at 16%, whereas Metropolitan offers the lowest discount at 9%.
Bundles are a convenient way to combine your most important property insurance policies.
Generally, we recommend bundling your home and car insurance. In North Dakota, bundling your policies results in an average 12% or $344 discount. Aside from savings, you get the convenience of dealing with a single provider.
In rare cases, it might be better not to bundle in North Dakota.
There are cases when combining home and car insurance policies from different companies is better. In North Dakota, pairing Allstate’s home insurance with State Farm’s car insurance costs $1,867 annually, less than the state’s cheapest bundled insurance, at $2,022 per year.
About Mark Fitzpatrick