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.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 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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Katie Powers
Edited byKatie Powers
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Katie PowersSenior Editor
  • 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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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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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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
sort ascsort desc
Average Monthly Full-Coverage Car Insurance Quote
sort ascsort desc
Average Monthly Renters Insurance Premium
sort ascsort desc
Bundling Discount
sort ascsort desc
Erie$93$14Up to 25%
State Farm$120$18Not specified
Allstate$138$17Not specified
American Family$171$15Up to 5%
USAA$35–$345$18Up to 10%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm: Best overall

User Reviews
4.2
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.
$117/mo
4.2
Best choiceBased on 10,437 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 (5,748)

Sandra

April 13, 2025

Verified Review

Better than Progressive

They are always accessible and their rates aren't higher than Progressive's. Also, they have much better commercials than those on Progressive. Just saying.

Daphne

April 13, 2025

Verified Review

Policy Inflated for Agent Benefits

The handling of my policies was very unprofessional on all levels, and my record contained outdated information. The agents managing my accounts were also unsatisfactory.

Julie

April 13, 2025

Verified Review

Epic Fail with the Claims Department

The roadside assistance has been good in the past and the phone service to my broker is usually good, as they can answer my questions. However, my car was recently hit by someone and the claims process was a nightmare. It was very annoying and the claims handler was inefficient, not providing me with all my options. After trying to reach a supervisor, they just said it was too late to help. The claims person deemed my car totaled within 2 minutes of reviewing it. When I asked if there were any options, he said no. When I found cars similar to mine and asked for more money, they refused, saying it was either accept their offer or nothing. Only after I accepted the offer and called back to State Farm did a supervisor explain to me about the option of a salvage title, which I knew nothing about. I am still incensed that no one from State Farm told me that was an option. If I knew it was an option, I definitely would have done that instead of accepting their paltry offer and having to go through the time-consuming process of researching cars, looking for cars, and buying a new car, thereby incurring debt when my car was already paid off. I called back again to explain how upset I was and they just said too bad, we will review with the claims adjuster so he will be more thorough in the future. This was an epic fail and they are now losing me as a 20+ year customer as soon as I find another carrier.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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
4.0
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 /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.
$50/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.
$92/mo
4.0
Best choiceBased on 310 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 (164)

John

April 13, 2025

Verified Review

Happy with Erie Insurance

Erie Insurance has been great to me. It even covers me when I'm driving someone else's car, and it costs less (at least $10 less per month).

Karen W

April 12, 2025

Verified Review

Review of Erie Insurance and Their Reasonable Fees

I am disappointed as I have been with Erie Insurance for many years without any claims. Last August, we were the victims of a hit and run (not our fault) and 'keying' of the car. Erie stated they had to file two claims even though the damage occurred simultaneously. They did repair my car. However, as a result, they increased my insurance payment by more than $100.00 per month because I had a claim! I believe this is unfair treatment. My monthly payment is now too high for my income/budget. Consequently, I am comparing auto insurance fees. I am still in search of more reasonable insurance fees/rates with reliable service.

Neal

April 12, 2025

Verified Review

Erie Insurance

They provide good coverage, but it's costly and they won't work with you on payments.
See all Erie Insurance reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
A.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
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.
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.
$61/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.
$130/mo
4.0
Best choiceBased on 6,412 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 (3,486)

Victor

April 13, 2025

Verified Review

Good

Very kind person and very reliable in helping me with some issues.

Arthur

April 13, 2025

Verified Review

Cold and Indifferent Insurer

The initial rates were reasonable. However, when I notified them of my spouse's passing, my auto rate jumped by $210. Many other vendors allow a 'widower' status. Alstate effectively told me they couldn't help.

Leann

April 13, 2025

Verified Review

Insurance

Too expensive.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.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
4.6
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.
$70/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.
$152/mo
4.6
Best choiceBased on 437 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 (231)

Connie

April 6, 2025

Verified Review

Coverage could be better

My car is a 2011 Impala with only 52k miles, yet I am charged $83 for full coverage, which I feel is a bit much. I was also informed that if I don't get a new roof, they will no longer cover any damage that could have been prevented by a new roof. I have no leaks or issues with my current roof.

Bruce

April 6, 2025

Verified Review

Good

Occasionally check their rates.

Jim

March 26, 2025

Verified Review

Failure to Pay Claim

I received a check from American Family for hail damage that I am unable to cash. The experience has been horrible.
See all American Family reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3
A.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

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.
9.4 /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.
$47/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 1,908 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 (1,108)

Kate

April 13, 2025

Verified Review

Happy with USAA

Responsive.

Stellar

April 13, 2025

Verified Review

Very Cheap Car Insurance

Great!

Pat

April 12, 2025

Verified Review

Long Time USAA Policy Holder

It's expensive.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.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 $16 per month. NJM and Auto-Owners also have affordable coverage, with respective average monthly premiums of $28 and $32. The best way to find cheap coverage is to shop around before committing to a policy and comparing multiple quotes.

Sarah Sharkey
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.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • 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

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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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