Best Companies for Auto and Renters Insurance Bundles (2025)
Bundling your car and renters insurance often leads to savings, especially with State Farm and Erie Insurance.
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Written bySarah Sharkey
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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.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ 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.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Many drivers also rent their apartments, condos, or homes. A lot of insurers offer a bundling discount for customers purchasing 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.
Quick Facts
State Farm, Erie, Allstate, American Family, and USAA each offer insurance bundling opportunities.
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.
Best companies to bundle renters and auto insurance
You should always consider multiple insurers before buying a policy, paying attention to average costs, coverage offerings, discount options, customer satisfaction, and more.
The table below highlights five 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 | $93 | $14 | Up to 25% |
| State Farm | $120 | $18 | Not specified |
| Allstate | $138 | $17 | Not specified |
| American Family | $171 | $15 | Up to 5% |
| USAA | $35–$345 | $18 | Up to 10% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Best overall
| User Reviews | 4.1 |
|---|---|
| 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. | $56/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. | $110/mo |
4.1
Best choiceBased on 11,921 verified guest reviews and ratings
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,275)
Connie
Verified Review
40+ Years with State Farm
Reviewed in Tennessee on October 2025
A good agent makes the difference.
Stephen
Verified Review
Excellent Service
Reviewed in Alabama on October 2025
Great. I have used them for 20 years.
Linda
Verified Review
I am upset as this is not right.
Reviewed in North Carolina on October 2025
State Farm sent me a letter stating that they were canceling my collision and towing and labor costs effective 10-28-2025. The reason they gave was that they could not verify that my husband had a driver's license. He was told by a patrolman that he has 2 years to get his license renewed.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Pros
Can save hundreds when opting to bundle
Above-average J.D. Power customer satisfaction rating
Cons
Expensive for drivers with bad credit
Gap insurance not readily available, unless customer originates a loan through State Farm Bank
Erie: Best for Mid-Atlantic states
| 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. | $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. | $122/mo |
4.4
Best choiceBased on 406 verified guest reviews and ratings
How drivers feel about Erie Insurance
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (201)
Michael
Verified Review
No thanks
Reviewed in Kentucky on October 2025
They have increased rates almost every year. I've been looking for a better option where I don't have to provide my phone number to get a quote.
Amber
Verified Review
Great insurance company as long as you have no claims
Reviewed in Maryland on October 2025
They handle claims poorly. There’s always a bill they don’t pay. I have had zero at-fault accidents in over 25 years, and my insurance keeps going up. I’m 64 years old and drive maybe a hundred miles a month.
Dale
Verified Review
Good things always come to an end
Reviewed in Pennsylvania on October 2025
I think unless you get a rate lock, they're high on price. That's why I am shopping around.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
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.
Pros
A+ (Superior) AM Best financial strength rating
Save up to 25% when you bundle policies
Cons
Limited availability
Must file claims and finalize policy purchases through an independent agent
Allstate: Best for extra discounts
| 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. | 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. | $73/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. | $137/mo |
3.9
A solid optionBased on 7,278 verified guest reviews and ratings
How drivers feel about Allstate
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,794)
Bruce
Verified Review
Problem City
Reviewed in Florida on October 2025
Nightmare! 11 months after joining Allstate, I was pulled over by the police who said I had no insurance for 11 months! Almost $200 in fees, and no offer to pay by Allstate!
Julie
Verified Review
Allstate
Reviewed in North Carolina on October 2025
Rate changes without warning.
Jodi
Verified Review
Poor
Reviewed in Illinois on October 2025
They're high on prices despite me being a customer forever with no accidents or tickets.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
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.
Pros
Above-average J.D. Power customer satisfaction rating
A+ (Superior) AM Best rating
Cons
Slow claims resolution, according to customer reviews on Trustpilot
Higher prices than some competitors
American Family: Best for top-tier customer service
| 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. | $79/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. | $147/mo |
4.5
Best choiceBased on 500 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (247)
Janice
Verified Review
Excellent
Reviewed in Georgia on October 2025
So far, so good. I've never had to file a claim.
Charles Gary
Verified Review
Good service
Reviewed in Georgia on October 2025
Good, but rates are starting to skyrocket!
Betty
Verified Review
Very Good Insurance
Reviewed in Kansas on October 2025
I have had American Family Insurance for about 2 years now, and I am very satisfied. I would recommend it to my family and friends who are looking for insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
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.
Pros
Above-average J.D. Power customer satisfaction rating
Save up to 5% when you bundle
Cons
Available in only 19 states
Slightly lower AM Best financial strength rating than top competitors
USAA: Best for veterans
| 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. | $52/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. | $98/mo |
4.9
Best choiceBased on 2,251 verified guest reviews and ratings
How drivers feel about USAA
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,255)
Lisa
Verified Review
Rough on Life Changes
Reviewed in Kentucky on October 2025
Until my divorce, USAA had been wonderful.
J
Verified Review
Bundled new policy, Smooth process
Reviewed in California on October 2025
Helpful
William
Verified Review
USAA has been my insurance company since age 16 - FOR A REASON
Reviewed in Nevada on October 2025
USAA is a top-shelf insurance carrier. They are amazing at customer service. They are really about the members, and I've had things happen during claims where USAA literally added policy coverage after the fact, after I called in the claim, without adding to the premium.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Pros
Above-average J.D. Power customer satisfaction rating
Save up to 10% on your renters insurance policy when you bundle an auto policy
Cons
Eligibility limited to members of the military community
Live customer service not available 24/7
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.
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How to find the best renters and auto insurance for you
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. Seek out quotes from different companies. Consider getting quotes for each policy separately and bundled. The information can help you find a great price.
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 during an emergency.
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.
Pros and cons of bundling auto and renters insurance
Insurance products — and how you purchase them — have advantages and disadvantages. Take a look below at some of the pros and cons to consider before bundling your auto and renters insurance.
Pros
You can earn potential savings. In some situations, you can save on your premiums when you bundle your auto and renters insurance.
Bundling can simplify policy management. When you handle multiple insurance policies through a single insurance company, you can spend less time managing your policies.
You may have a single deductible. You may have a single deductible across both policies. If you need to file a claim for both policies, this can simplify your finances.
Cons
Savings aren’t always worthwhile. Many insurers offer a bundling discount, but it may not be significant. If you already have separate coverage, you may not want to go through the hassle of combining coverage with one insurer.
Coverage may not meet your needs. In some cases, the company you want to bundle policies with may not offer the type of coverage you need. Read the fine print before committing to a policy to confirm it’s a good fit for your situation.
Separate companies might administer the policies. Depending on the situation, different partner companies may issue the bundled renters policy you buy. If you want to manage your insurance policies in a single place, separate companies won’t work for you.
Renters and auto insurance bundling FAQs
Understanding your coverage options is important. The following information can help answer your remaining questions about bundling your renters and auto insurance policies.
Is insurance cheaper if you bundle?
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.
Are there any specific requirements to qualify for bundling renters and car insurance policies?
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.
What is the best insurer for bundling your renters and auto insurance?
Some of the best insurance companies for bundling your renters and auto insurance include State Farm, Erie, Allstate, USAA, and American Family.
Is car insurance cheaper if you own a home?
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.
Which company has the cheapest auto insurance?
COUNTRY Financial has the cheapest liability car insurance in the U.S., with an average premium of $39 per month. Auto-Owners and USAA also have affordable coverage, with respective average monthly premiums of $45 and $52. The best way to find cheap coverage is to shop around before committing to a policy and comparing multiple quotes.
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Licensed auto and home insurance agent
3+ 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
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.