Nodak Insurance Company (NI) at a Glance
- Founded in 1946
- Offers several types of personal coverage
- Rated "A" (excellent) by AM Best
- Rated "C-" by the Better Business Bureau (BBB)
NI Pros: High rating through AM Best. Offers online claims reporting. Many years of experience in the insurance industry. Several types of coverage available.
NI Cons: Poor rating by the BBB. Not BBB accredited. Not much information provided about claims process.
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What Type of Insurance Does Nodak Insurance Offer?
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
Your independent insurance agent can help you find more information about the coverages offered by Nodak Insurance, and help you decide if this insurance company is right for you.
What to Know about Nodak Insurance Company
Founded in 1946, Nodak Insurance Company (NI) has more than 75 years' worth of experience in the industry. The carrier offers several forms of coverage, including home, auto, and farm and ranch insurance. They are a Fargo, North Dakota-based insurance company.
NI was named one of the Top 50 Property/Casualty Companies in the Nation by Ward Group in 2020. The carrier's LinkedIn social media profile states that they have 155 employees.
Thanks to their 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.
Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report.
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What Discounts Does NI Offer?
NI offers the following discounts on their auto insurance:
- EFT discount: Awarded to customers who sign up for the electronic funds transfer payment method. (10%)
- Multi-line discount: Awarded to customers who bundle more than one type of coverage with Nodak Insurance.
- Multi-vehicle discount: Awarded to customers who insure more than one vehicle with Nodak Insurance.
- Disappearing deductible: Awarded to customers who remain claims-free. ($150 deductible discount each year)
- Defensive driver discount: Awarded to customers who enroll in a state-approved defensive driving course.
For more information about Nodak Insurance's available discounts, work with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage.
Nodak Insurance Customer Service
Here's an overview of NI's customer service options and availability.
- Snail mail
- Online claims reporting
- Customer service department hours not specified
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
Nodak Insurance Company FAQ
What is Nodak Insurance's average claim response time frame?
Nodak Insurance does not specify a claims response time frame.
What is Nodak Insurance's customer service availability?
Nodak Insurance allows customers to contact them via a couple of mediums, but does not specify their phone department's hours on their official website.
What is Nodak Insurance's claims process?
Nodak Insurance does not provide much detail about their 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.
Does Nodak Insurance create a user-friendly experience for customers?
Nodak Insurance's official website is easy to navigate but would benefit from adding more information about the carrier's claims process. They do have a comprehensive social media presence.
Does Nodak Insurance have good auto insurance?
Nodak Insurance's auto policies come with the following coverages:
- Bodily injury liability
- Property damage liability
- Personal injury protection (PIP)
- Uninsured/underinsured motorist
- Other than collision (Comprehensive)
- New car replacement
An independent insurance agent can help you decide if Nodak Insurance's auto coverage is a good fit for you.
Is Nodak Insurance a good insurance company?
Nodak Insurance has a good rating through AM Best and several decades' behind them in the insurance industry. Most customer reviews seem positive. However, there have been some complaints filed against them through the BBB, they're not BBB accredited, and their rating through the organization is poor. So, overall it's difficult to say if Nodak Insurance is a good insurance company.
Nodak Insurance Customer Reviews
|They refused to cover I and my family during and accident and backed out when the heat of it all was too much. Considering that I and my family was covered under the same insurance company, for almost 2 years, we had to pay out of pocket. And this also caused the other party suing me to court. They lingered on this issue for a long time. I will never recommend them for whatever reason.|
|I was happy to find an insurance company and agent that was more concerned about what was best for me, and not about how much profit that they could get out of me. I was also happy that I could have both my Auto and Renter's insurance with one company.|
|Great company with good customer service and pricing always fair and reliable. Had AAA before these guys and it's so much better and faster now.|
|Provides an affordable insurance and is quick to resolve issues. Staff is very helpful and are easy to talk to.|
|We really like Nodak Mutual Insurance. We have always had quick service and great rates! The people are very friendly and always [know us] by name.|
TrustedChoice.com's Final Review
We award Nodak Insurance Company a final rating of 3 out of 5 stars. The carrier has been around for more than 75 years now and has a high rating through AM Best. However, their rating through the BBB is low, and they're not BBB accredited.
Most customer reviews for NI are positive. The carrier offers several forms of coverage beyond home and auto. Their website is easy to use and they offer online claims reporting.
Overall, we recommend asking your independent insurance agent about Nodak Insurance Company if you're in need of any of their products.
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