Nodak Insurance Company Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Nodak Insurance Company Final Score
3 Stars
Founded in 1946, Nodak Insurance Company (NI) has more than 75 years of experience in the industry. The carrier offers personal and business insurance, including home insurance, auto insurance, farm and ranch insurance, and more. They are a Fargo, North Dakota-based insurance company.
Thanks to its longstanding history, Nodak Insurance Company has earned a reputation over time as a financially sound insurance company. AM Best gives Nodak Insurance an overall “A” rating, indicating the carrier is an excellent choice.
We award Nodak Insurance Company a final rating of three out of five stars. The carrier has been around for more than 75 years and has a high rating from AM Best. It also receives an "A+" rating from the Better Business Bureau (BBB).
Most customer reviews for Nodak Insurance Company are positive. The carrier offers a variety of quality coverage options for businesses and individuals in North Dakota. The company's website is easy to use, and customer service options (including online claims reporting) are plentiful.
Overall, we recommend asking your independent insurance agent about Nodak Insurance Company and any other North Dakota insurance companies you might be interested in.
Nodak Insurance Company Pros and Cons
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Nodak Insurance Company Products
Here's an overview of the products offered by Nodak Insurance Company:
- Auto insurance
- Home insurance
- Farm and ranch insurance
- Crop insurance
- Business insurance
- Life insurance and annuities
Your independent insurance agent can help you find more information about the insurance products offered by Nodak Insurance Company and help you decide if this insurance company is right for you.
To find insurance in your state, you can also use our national insurance company directory to find the best company to meet your needs.
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What Discounts Does Nodak Insurance Company Offer?
On its public website, Nodak Insurance Company describes the following available discounts:
Auto Insurance Discounts
- EFT discount: Receive a 10% premium discount by signing up for the time-saving electronic funds transfer payment method.
- Extended household discount: If you have a son or daughter ready to move off your insurance, they'll receive a 25% premium discount on their auto insurance for staying with Nodak Insurance Company.
- Multi-line discount: Insure more with Nodak and save. For example, if you have Nodak Insurance Company homeowner's insurance or excess liability, you'll receive an auto insurance discount.
- Multi-vehicle discount: Receive premium discounts when you insure more than one vehicle with NI.
- Disappearing deductible: For each year you're claim-free, your deductible will reduce by $150 until it reaches zero.
- Defensive driver discount: Enroll in the Defensive Driver Program and receive a discount on your auto premium.
- Drive4Less® discount: Enroll in the Drive4Less® Program and receive a discount on your auto premium. Discount based on your safe driving habits.
Homeowners Insurance Discounts
- Multi-line discount: Receive a reduced premium on your homeowner's insurance when you also insure your autos with NI.
- Age of dwelling/newer home discount: Your home may be eligible for a premium discount based on the year it was built.
- New roof discount: This discount rewards you for a newer roof.
- Protective device discount: Receive premium discounts for having smoke alarms and fire extinguishers, dead bolt locks, burglar alarm systems, and automatic sprinklers.
- Mature homeowner discount: If you're 50 years of age or older, you'll receive a discount on your homeowners policy.
Farm and Ranch Insurance Discounts
- Multi-line discount: Receive a reduced premium on your homeowner's insurance when you also insure your autos with NI.
- Age of dwelling/newer home discount: Your home may be eligible for a premium discount based on the year it was built.
- New roof discount: This discount rewards you for a newer roof.
- Protective device discount: Receive premium discounts for having smoke alarms and fire extinguishers, dead bolt locks, burglar alarm systems, and automatic sprinklers.
- Longevity discount: Loyal customers get premium discounts when you maintain your Farm & Ranch policy for at least three years, and save even more after six years.
- Full pay discount: Get an extra 5% savings when you pay your farm and ranch premium in full for the year.
For more information about discounts available from Nodak Insurance Company, work with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage.
Nodak Insurance Company Customer Service
Here's an overview of Nodak Insurance Company's customer service options and availability.
- Phone
- Snail mail
- Online claims reporting
- The customer service department hours are not specified
To ensure a great customer service experience, work with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you.
Nodak Insurance Company FAQs
Nodak Insurance Company does not specify a claims response time frame.
Nodak Insurance Company allows customers to contact them by phone, by mail, and online, but does not specify their phone department's business hours.
Nodak Insurance Company does not provide much detail about its claims process beyond how to file. However, an independent insurance agent can help submit claims for you and keep you updated through every step of the process.
Nodak Insurance Company provides a user-friendly online experience. Its public website is easy to navigate but would benefit from adding more information about the carrier's claims process. The company has a comprehensive social media presence.
Nodak Insurance Company's auto insurance policies include with the following types of coverage:
- Bodily injury liability coverage
- Property damage liability coverage
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Collision coverage
- Other than collision (comprehensive) coverage
- New car replacement
An independent insurance agent can help you decide if Nodak Insurance Company's car insurance is a good fit for you.
Nodak Insurance Company is a good insurance company. Nodak Insurance Company has a good rating from AM Best and several decades of expertise in the North Dakota insurance market. It offers straightforward, quality products, plentiful discounts, and receives good customer feedback.
https://www.nodakins.com/index.php
https://www.bbb.org/us/nd/fargo/profile/insurance-companies/nodak-mutual-insurance-company-0704-8003284