120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on June 4, 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 June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
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 | $125 | $14 | Up to 15% |
| State Farm | $107 | $15 | Up to $900 |
| Allstate | $148 | $23 | Ask an agent |
| American Family | $160 | $34 | Up to 7% |
| USAA | $103 | $18 | Up to 10% |
| Farmers | $213 | $39 | Up to 7% |
| GEICO | $147 | $27 | Ask an agent |
Bundling discounts can apply to an auto policy, a 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. | $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. | $107/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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 $900 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 bundling auto and renters policies
Above-average J.D. Power customer satisfaction rating for renters insurance
Expensive for drivers with bad credit
Below-average J.D. Power property claims satisfaction rating
| 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. | $69/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. | $125/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
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, and J.D. Power rates it No. 2 for renters insurance customer satisfaction. The company says you can save up to 15% when bundling insurance policies. Erie’s biggest downside is its limited availability, which includes only 12 states and Washington, D.C.
Highly rated for renters insurance customer satisfaction
Save up to 15% 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. | $72/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. | $148/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
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.
Low renters insurance rates
Many available discounts for renters
Below-average J.D. Power customer satisfaction rating for renters insurance
Below-average J.D. Power property claims satisfaction rating
| 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. | $80/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. | $160/mo |
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.6 | 2.9 |
| Policy transparency | 4.5 | 3.1 |
| Value | 4.3 | 2.9 |
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 7% when you bundle. Although American Family isn’t the cheapest insurer for most people, its high customer satisfaction ratings bode well for a hassle-free claims experience.
Above-average J.D. Power customer satisfaction rating for renters insurance
Save up to 7% when you bundle auto and renters policies
Available in only 19 states
Below-average J.D. Power property claims satisfaction rating
| 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. | $51/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. | $103/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.8 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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% when you bundle a renters insurance policy with an auto 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 it a good choice for many drivers who rent.
Above-average J.D. Power customer satisfaction rating for renters insurance
Save up to 10% when you bundle auto and renters policies
Eligibility limited to members of the military community
Live customer service not available 24/7
| 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. | 8.5 /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. | $105/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. | $213/mo |
Farmers's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.5 | 3.1 |
| Value | 3.2 | 2.9 |
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.
Standard renters insurance policies don’t cover everything. If you want additional protection, look to Farmers for its multiple renters insurance endorsements. You can purchase extra coverage for floods, earthquakes, water backup, and valuable items. Farmers also offers pet insurance.
Discount of up to 7% when you bundle auto and renters policies
Multiple optional coverages available for added financial protection
Not available in every state
Below-average J.D. Power customer satisfaction rating for renters insurance
| 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. | 9.2 /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. | $80/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 |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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.
If you want to streamline your auto and renters policies and manage your account digitally, GEICO is a solid choice. The company’s mobile app is highly rated, and it receives positive comments for its user-friendly interface and access to digital ID cards.
GEICO also offers a multi-policy discount when you bundle auto and renters insurance, but it doesn’t specify how much you’ll save.
Streamlined, digital policy management
Customer service available 24/7
Must speak with an agent to find out how much you can save by bundling
Not rated by J.D. Power for renters insurance customer satisfaction
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 $43 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 that 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 have to pay only a single deductible.
Easier claims process: You’ll have only 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 have to pay only 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 whether the insurer works with partner companies to underwrite its renters insurance policies or 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 $43 per month. Auto-Owners and USAA also have affordable coverage, with respective average monthly premiums of $45 and $51. The best way to find cheap coverage is to shop around before committing to a policy and to compare multiple quotes.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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