American Family leads North Dakota's bundle market, earning the top MoneyGeek score of 97 out of 100 and the lowest annual premium at $2,298. Farmers carries the steepest discount at 18%. MoneyGeek's rankings weigh affordability, customer satisfaction and coverage quality.
Best Cheap Home and Auto Bundle Insurance in North Dakota
Updated: April 7, 2026
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Key Takeaways
American Family earns the highest MoneyGeek score at 97 out of 100 for home and auto bundles in North Dakota. Read more.
Farmers offers the biggest bundling discount at 18%, saving North Dakota residents $1,275 per year. Read more.
American Family offers North Dakota's most affordable home and auto bundle at $2,298 per year. Read more.
Best Home and Auto Bundle Insurance in North Dakota
| Best Overall | American Family | $2,298 | 4.8 |
| Runner-Up | State Farm | $3,747 | 4.7 |
| Cheapest Bundle | American Family | $2,298 | 4.8 |
| Biggest Discount | Farmers | $5,633 | 4.4 |
Best Home and Auto Bundle Companies in North Dakota
American Family leads North Dakota's home and auto bundle rankings with a MoneyGeek score of 97 out of 100, a 14% multi-policy discount and the lowest bundled rate in the analysis at $2,298 per year. State Farm ranks second at 94 out of 100, with an 18% discount and an extensive local agent network across the state. Its Drive Safe & Save telematics program can cut auto premiums by up to 30% for safe drivers, stacking on top of bundle savings.
American Family: Best Overall in North Dakota
pros
MyAmFam app and online portal let bundled policyholders manage home and auto policies in one convenient location
MoneyGeek score in North Dakota at 97 out of 100, the highest among providers
Policyholders save $387 per year by bundling home and auto at a 14% discount
Leads North Dakota in auto and home affordability
cons
Auto coverage options rank third out of four providers in the analysis
Some competitors in North Dakota offer more comprehensive telematics and usage-based discount programs than American Family provides
The company's digital tools and mobile app features may be less advanced than those of other major insurers serving North Dakota customers
COMPANY HIGHLIGHTS
American Family earns MoneyGeek's top bundle score in North Dakota at 97 out of 100 (4.8 out of five stars). At $2,298 per year, bundling saves policyholders $387 annually, a 14% discount.
American Family's KnowYourDrive telematics program rewards safe driving with additional auto discounts that stack on top of bundle savings. Home policies include DreamSecure coverage for high-value items like jewelry and collectibles. North Dakota's hail and tornado exposure makes this level of personal property protection especially practical for eastern-region policyholders.
The MyAmFam app lets bundled customers view both policies, file claims and access digital ID cards from one platform.
State Farm: Runner-Up Bundle in North Dakota
pros
Ranks first in North Dakota for auto customer satisfaction and home coverage quality, per MoneyGeek's analysis
Runner-up bundle provider in North Dakota with a MoneyGeek score of 94 out of 100
Policyholders save $835 per year by bundling home and auto at an 18% discount
Drive Safe & Save telematics program offers additional discounts for safe driving habits
cons
At $3,747 per year, the bundled rate is one of the pricier options in the analysis
State Farm ranks third out of four providers for auto and home affordability
Home insurance rates are less competitive compared to other top-rated bundle providers in the state
COMPANY HIGHLIGHTS
At $3,747 per year, State Farm is North Dakota's second-ranked home and auto bundle provider with a MoneyGeek score of 94 out of 100 (4.7 out of five stars). Policyholders save $835 per year through an 18% bundle discount.
State Farm's Drive Safe & Save program uses telematics to track driving habits and can cut auto premiums by up to 30% for safe drivers. Home policies in North Dakota include personal property replacement cost coverage and extended dwelling protection, practical for a state where hail and flooding cause regular damage. State Farm's Steer Clear program offers additional discounts for young drivers who complete safe driving courses.
State Farm's mobile app lets bundled policyholders file claims, make payments and access digital ID cards from one platform.
Cheapest Home and Auto Bundle in North Dakota
American Family leads North Dakota's home and auto bundle market as both the most affordable option at $2,298 per year and the top-rated provider with a MoneyGeek score of 97 out of 100. But the biggest discount doesn't always mean the lowest bill. Farmers offers an 18% discount that saves policyholders $1,275 per year, yet its bundled premium of $5,633 is the most expensive in MoneyGeek's analysis. A higher discount percentage doesn't guarantee a lower rate.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| American Family | $2,298 | $387 |
| Allstate | $3,340 | $577 |
| State Farm | $3,747 | $835 |
| Farmers | $5,633 | $1,275 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
Companies Offering the Biggest Bundle Discount in North Dakota
Farmers and State Farm share the top bundle discount in North Dakota at 18%. Farmers saves policyholders $1,275 per year but charges a bundled premium of $5,633, the highest in MoneyGeek's analysis. State Farm saves $835 at $3,747 per year. A bigger discount doesn't mean a lower bill. American Family's 14% discount translates to the lowest bundled rate in the state at $2,298 per year.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| State Farm | 18% | $835 | $3,747 |
| Farmers | 18% | $1,275 | $5,633 |
| Allstate | 15% | $577 | $3,340 |
| American Family | 14% | $387 | $2,298 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
How to Get Cheap Home and Auto Bundle Insurance in North Dakota
North Dakota bundle rates average $2,298 to $5,633 per year, depending on provider, with lower population density and reduced catastrophe risk keeping premiums below the national average. Adjusting coverage levels and stacking discounts can push your rate even lower.
Choose a higher deductible
Increasing your home deductible from $500 to $1,000 or higher reduces your premium. You'll pay more out-of-pocket if you file a claim, so ensure you have adequate emergency savings before making this change.
Try a telematics auto program
State Farm's Drive Safe & Save and Progressive's Snapshot track your driving habits through a mobile app or device. Safe drivers can earn up to 25% discounts that stack with your bundle savings.
Upgrade to hail-resistant roofing
Impact-resistant shingles and storm-resistant roofing materials qualify for premium discounts in North Dakota's hail-prone climate. These upgrades lower your insurer's risk assessment and stack with bundle discounts.
Keep your credit score strong
North Dakota insurers use credit-based insurance scoring for both home and auto policies. Maintaining good credit can lower your premiums at renewal time across both coverage types.
Home and Auto Bundle Insurance in North Dakota: FAQ
Do North Dakota's regional risks affect bundle insurance rates?
Yes, and the effect is real. Severe hailstorms are the main driver of elevated home insurance premiums in North Dakota, with eastern regions near the Red River Valley experiencing the most frequent damage. Because home coverage is the larger portion of a bundle, rate increases there push the combined premium up too. Insurers use hail frequency maps, storm damage history and proximity to high-risk corridors when setting rates. Impact-resistant roofing materials qualify for discounts that offset some of those increases.
Which company has the best bundle in North Dakota for homeowners who want more coverage?
State Farm leads North Dakota's homeowner coverage with a MoneyGeek score of 94, offering equipment breakdown protection, service line coverage and extended replacement cost options. American Family ranks highest overall at 97 out of 100, making it the better pick for homeowners who want the strongest combined value.
Should I bundle home and auto insurance in North Dakota?
Yes. Every provider in MoneyGeek's North Dakota analysis saves policyholders money through bundling, with discounts ranging from 14% to 18%. Combining policies also consolidates billing and renewals into one account. Compare bundled rates against separate quotes before committing, the lowest bundled rate doesn't always come from the provider with the biggest discount.
Best Cheap Home and Auto Bundle Insurance in North Dakota: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the North Dakota Insurance & Securities Department, Quadrant Information Services, AM Best and J.D. Power. These premiums are averages; actual rates vary by ZIP code, claims history and individual profile.
- MoneyGeek score: Factors in affordability, customer satisfaction ratings from AM Best and J.D. Power, and coverage quality
- Baseline driver: 40-year-old with good credit, 2021 Toyota Camry, 50/100 full coverage with $1,000 deductible
- Baseline home: $250,000 dwelling, $125,000 personal property, $200,000 liability
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!