120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Many drivers also rent their apartments, condos, or homes. A lot of insurers offer an auto and renters insurance bundle discount if you purchase multiple policies through the same company.
While the amount you can save with a multi-policy discount varies, most people can save between 5% and 25% with a renters insurance bundle. Beyond the bundling discount, buying multiple policies through a single insurance company can make policy management easier.
Here’s what you should know about bundling your renters and auto insurance.
State Farm, Erie, Allstate, American Family, and USAA offer auto and renters insurance bundles.
Bundling policies isn’t the only way to secure a discount. Most auto insurers reward drivers for having a clean driving history, completing a defensive driving course, paying for coverage in full, and more.
Some companies that offer insurance bundling may partner with another insurance company to write your policy. For example, your auto insurance may be with Company A and your home insurance with Company B.
You should consider multiple insurers before buying a policy, paying attention to average costs, coverage offerings, available discounts, customer satisfaction, and more.
The table below highlights seven of the best insurance companies that offer bundling for renters and auto insurance policies.
Insurance Company  | Average Monthly Full-Coverage Car Insurance Quote | Average Monthly Renters Insurance Premium | Bundling Discount |
|---|---|---|---|
| Erie | $122 | $14 | Up to 15% |
| State Farm | $107 | $15 | Up to $900 |
| Allstate | $143 | $23 | Ask an agent |
| American Family | $153 | $34 | Up to 7% |
| USAA | $100 | $18 | Up to 10% |
| Farmers | $211 | $39 | Up to 7% |
| GEICO | $142 | $27 | Ask an agent |
Bundling discounts can apply to an auto policy, renters policy, or both. Ask your insurance agent how the company applies its multi-policy discount.
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm advertises that policyholders who bundle their renters and auto insurance can save up to $704 on their policies. The largest insurance company in the nation by market share, State Farm has an AM Best financial strength rating of A++ (Superior).
Plus, State Farm has a national network of 19,000 exclusive agents, which means you can work with a State Farm agent who’s knowledgeable about your area as you consider insurance bundling.
Can save hundreds when opting to bundle
Above-average J.D. Power customer satisfaction rating
Expensive for drivers with bad credit
Gap insurance not readily available, unless customer originates a loan through State Farm Bank
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $122/mo |
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Erie provides good customer service, which contributes to its very high customer satisfaction rating in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study. The company offers a bundling discount of up to 25%. Erie’s biggest downside is its limited availability, which includes only 12 states and Washington, D.C.
A+ (Superior) AM Best financial strength rating
Save up to 25% when you bundle policies
Limited availability
Must file claims and finalize policy purchases through an independent agent
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $143/mo |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Allstate offers a savings opportunity when you bundle your renters and auto insurance. If you own a motorcycle, you can also bundle motorcycle and renters insurance together.
But drivers can tap into a range of other discounts, like automatic payment and safe driving discounts, when working with Allstate. Attractive renters insurance rates make it worthwhile to get a quote from this insurer.
Above-average J.D. Power customer satisfaction rating
A+ (Superior) AM Best rating
Slow claims resolution, according to customer reviews on Trustpilot
Higher prices than some competitors
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $153/mo |
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
American Family has earned top-tier customer satisfaction ratings in most of the regions it covers. As a renter who drives, you can save up to 5% when you bundle. Although American Family isn’t the cheapest option for most people, its high rates of customer satisfaction bode well for a hassle-free claims experience.
Above-average J.D. Power customer satisfaction rating
Save up to 5% when you bundle
Available in only 19 states
Slightly lower AM Best financial strength rating than top competitors
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
USAA offers a discount of up to 10% on renters insurance when you bundle it with an auto insurance policy. The insurance company only works with active-duty military members, and eligible immediate family members. If you qualify for membership, the company’s relatively low rates make this a good option for many drivers who rent.
Above-average J.D. Power customer satisfaction rating
Save up to 10% on your renters insurance policy when you bundle an auto policy
Eligibility limited to members of the military community
Live customer service not available 24/7
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $109/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $211/mo |
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Farmers Insurance sells policies in 42 states, and its more than 30 insurance offerings include auto, home, renters, earthquake, life, business, and pet insurance. Farmers has more than 20 auto insurance discount options, providing many ways drivers can save on premiums. Drivers can qualify for discounts by bundling policies, paying in full, being accident-free for five years, installing anti-theft devices, and taking a defensive driving course, among other things. Farmers also receives fewer customer complaints than the market average with the National Association of Insurance Commissioners.
Many auto insurance discounts
Robust roadside assistance program
Offers customized equipment coverage add-on
Lower customer satisfaction scores from J.D. Power
Tends to have higher premiums than some competitors
Not available in every state
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $86/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
When selecting the best companies for renters and auto insurance bundles, we considered each company’s IQ Score, bundling discount, customer service, J.D. Power ranking, AM Best financial strength rating, and more.
U.S. liability quotes start at $45 per month
An auto and renters insurance bundle, also known as a multi-policy discount, is when you purchase these two policies from the same company. You’ll still have two separate policies, policy numbers, and bills. But having auto and renters policies with the same company simplifies policy management and the claims-filing process.
Insurers sometimes work with partner companies to underwrite their renters insurance policies. If this is the case with your main insurer, you might be dealing with two insurance companies.
An auto and renters insurance bundle can save you anywhere from 5% to 25%, depending on the insurance company.
For example, let’s say your current car insurance policy with one company costs $150 per month, and your renters insurance policy with a different company costs $30 per month. This comes out to a total of $2,160 per year for both policies.
If you bundle your policies with a single insurance company with a multi-policy discount of 15%, you’d pay $1,836 per year for both policies — a savings of $324.
Even though you’d save money in this scenario, bundling isn’t always cheaper. It’s important to compare bundled quotes versus separate quotes when you’re shopping for auto and renters policies.
Everyone has a unique situation that affects their insurance needs. Below are some tips to help you find the best renters and auto insurance for you:
Determine your insurance coverage needs. Start by considering how much coverage you need for each type of insurance policy. With this in mind, you can quickly eliminate insurance companies that don’t offer what you need.
Compare quotes for both policies (bundled and separate). Compare quotes from different companies. Consider getting quotes for each policy separately and bundled. The information can help you find a great price.
Match coverages/limits so comparisons are fair. Make sure you’re comparing the same coverage levels and policy limits to get the most accurate quotes from multiple insurers.
Choose one or two quotes. Contact the insurer or agent to ask how it applies the discount and whether a partner insurer is involved.
Ask for other discounts. A bundling discount isn’t the only way to save. Many insurance companies offer other discounts, which could help you tap into significant savings. For example, paying your bill up front might lower your premium to better suit your wallet.
Consider a higher deductible. If you can afford higher deductibles for collision and comprehensive coverages, this change to your insurance policy can help you save. But don’t opt for a higher deductible if you can’t afford to pay it when you need to file a claim.
Consider other bundles. As your financial situation changes, you might need to add other types of insurance to your household. Consider adding life insurance and homeowners insurance when your situation requires a change.
Insurance products — and how you purchase them — have advantages and disadvantages. Consider some of these pros and cons before bundling your auto and renters insurance.
Save on coverage: You can sometimes save 5% to 25% when you bundle auto and renters insurance.
Simplify policy management: With just one insurer, you’ll spend less time managing your policies.
Single deductible: If you need to file a claim for damage to both your car and personal belongings, you may only have to pay a single deductible.
Easier claims process: You’ll only have one insurance company to contact when you need to file a claim.
Savings could be minimal: The multi-policy discount may not be enough to make combining coverage worth it.
Coverage may not be sufficient: The insurer may not offer the type of coverage you need for the policies you want to bundle.
May deal with separate insurers: If a partner insurer underwrites your bundled renters policy, you’ll still have two insurers to deal with, which could be a hassle.
Could discourage you from shopping around: This may cost you in the long term if you miss a chance to find a lower rate by comparing.
Understanding your auto and renters insurance bundle options is important. The following information can help answer your remaining questions about bundling your renters and auto insurance policies.
Not always. Insurance can be cheaper when you bundle because insurance companies often offer a discount for bundling policies. It’s still a good idea to shop around to confirm you find the best deal.
Yes. If you already have an auto policy in place, you can add a renters insurance policy with your current insurer. If your insurer offers a multi-policy discount, that discount should apply when you purchase a renters insurance policy.
It depends. If you file a claim for an event that damages both your car and your personal belongings, you may only have to pay one deductible.
If your insurer uses a partner company for renters insurance, you’ll still have two separate insurers to deal with, even if you bundle your policies. This could be a hassle if you want to manage your policies through a single insurance company.
Before purchasing a policy, ask your insurance agent if the insurer works with partner companies to underwrite its renters insurance policies or if it underwrites them directly.
To bundle a renters and car insurance policy, you’ll need to purchase both policies from the same insurer. Otherwise, insurers usually don’t have specific requirements for bundling policies.
Some of the best insurance companies for bundling your renters and auto insurance include State Farm, Erie, Allstate, USAA, and American Family.
If you own a home, you can earn savings on your vehicle insurance policy by bundling your home and auto insurance. But potential savings vary based on your unique situation and what discount your insurer offers for bundling.
COUNTRY Financial has the cheapest liability car insurance in the U.S., with an average premium of $45 per month. Auto-Owners and USAA also have affordable coverage, with respective average monthly premiums of $47 and $53. The best way to find cheap coverage is to shop around before committing to a policy and comparing multiple quotes.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Featured in
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
