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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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.
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
Erie: Best for Mid-Atlantic states
Allstate: Best for extra discounts
American Family: Best for top-tier customer service
USAA: Best for veterans
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.
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 $34 per month. Auto-Owners and USAA also have affordable coverage, with respective average monthly premiums of $43 and $51. The best way to find cheap coverage is to shop around before committing to a policy and comparing multiple quotes.
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