Buying an auto and renters insurance bundle can save you anywhere from 10% to 30%, based on our research. It can also make managing your policies more convenient. But before you decide to bundle your insurance, check rates for separate policies, too.
To find the best auto and renters insurance bundles, NerdWallet examined insurers that offer a bundling discount. We limited the list to companies that earned at least a 4.5-star rating for both renters and car insurance. We also eliminated companies that offer policies in fewer than 10 states. All sample rates shown are before bundling discounts are applied.
Here are our top picks, along with why we chose them and how much you can save by bundling, according to each insurer’s website.
Company | Why we picked it | Bundle discount |
|---|---|---|
Best consumer experience | Up to 30% | |
Lots of discounts | Discount varies | |
Best regional insurer | 15% to 25% | |
Best digital tools | Up to $900 per year | |
Best value | Discount varies | |
USAA* | Best for military and veterans | Up to 10% |
*USAA's car and renters insurance is available only to members of the military, veterans, some federal workers and their families. | ||
All rates were reviewed and updated in September 2026. For car insurance, we used average rates for a full coverage policy. Renters rates are averages for a policy with $30,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible. These sample rates do not include bundling discounts.
Keep in mind that insurers may not all apply discounts the same way. For example, one insurer that advertises a 15% discount may apply it only to the auto policy, while another might apply it to each policy in the bundle.
Strict editorial guidelines to ensure fair, accurate coverage that helps you choose the right financial products. See our criteria for evaluating auto insurance and renters insurance.
More than 1.7 billion rates analyzed by our team of experts.
More than 800 insurers analyzed in all 50 states and Washington, D.C.
Our editorial team examined insurers that offer a bundling discount and earned at least a 4.5-star rating for both renters and car insurance. NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as:
The financial strength of each company.
Consumer complaints to state regulators.
Coverage options.
Discounts.
Consumer experience.
If you want to shop for separate policies, check our lists of the best renters insurance companies and the best car insurance companies.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Best auto and renters insurance bundles
Best consumer experience
Auto insurance Avg. rate: $3,167/year
Renters insurance Avg. rate: Unavailable
Total pre-bundle cost: Unavailable
Bundling discount: Up to 30%
Pros and cons
✅ Rideshare coverage available.
✅ Few consumer complaints.
✅ Many discount options for auto insurance and renters insurance.
❌ Auto insurance is more expensive, on average, than many other top companies.
Best consumer experience
Auto insurance Avg. rate: $3,167/year
Renters insurance Avg. rate: Unavailable
Total pre-bundle cost: Unavailable
Bundling discount: Up to 30%
Pros and cons
✅ Rideshare coverage available.
✅ Few consumer complaints.
✅ Many discount options for auto insurance and renters insurance.
❌ Auto insurance is more expensive, on average, than many other top companies.
Why it’s the best: Amica stands out for its strong record of customer service. It has low rates of consumer complaints to state agencies, according to the National Association of Insurance Commissioners. It also ranked well in JD Power’s most recent customer satisfaction surveys for renters and auto insurance.
Amica offers the highest bundling discount in our list. However, its auto policies are also the most expensive, on average. You’ll have to decide whether the company’s stellar customer service is worth a potentially higher price tag.
Standout feature: Amica offers optional dividend policies. They cost more but can return part of your premium (generally 5% to 20%) if the company performs well financially.
» FULL REVIEWS: Amica auto insurance and Amica renters insurance
Lots of discounts
Auto insurance Avg. rate: $2,094/year
Renters insurance Avg. rate: $155/year
Total pre-bundle cost: $2,249/year
Bundling discount: Variable
Pros and cons
✅ Low rate of consumer complaints.
✅ Accident forgiveness available for at-fault car crashes.
✅ Those with new cars can buy gap coverage.
❌ Not available in all states.
❌ No online quotes or claim filing.
Lots of discounts
Auto insurance Avg. rate: $2,094/year
Renters insurance Avg. rate: $155/year
Total pre-bundle cost: $2,249/year
Bundling discount: Variable
Pros and cons
✅ Low rate of consumer complaints.
✅ Accident forgiveness available for at-fault car crashes.
✅ Those with new cars can buy gap coverage.
❌ Not available in all states.
❌ No online quotes or claim filing.
Why it’s the best: Though Auto-Owners charges more for car insurance than most other companies on this list, it offers many ways to bring your bundled cost down. For example, you can save by paying your premiums on time or signing up for paperless billing. If you've got young drivers, ask about savings for good students or kids away at college.
We also like Auto-Owners for its range of coverage options and low rate of consumer complaints. It sells auto and renters policies through independent insurance agents. It’s probably not right for you if you’re looking for the convenience of an online quote. But if you prefer to speak with a human about your coverage needs, Auto-Owners might be a good fit.
Standout feature: The Renters Plus add-on includes coverage for things like food spoiled during a power outage and water damage from backed-up drains.
» FULL REVIEWS: Auto-Owners car insurance and Auto-Owners renters insurance
Best regional insurer
Auto insurance Avg. rate: $1,842/year
Renters insurance Avg. rate: $190/year
Total pre-bundle cost: $2,032/year
Bundling discount: 15% to 25%
Pros and cons
✅ No surcharge for your first car accident if you’ve been with Erie at least three years.
✅ Customer service chat available through your online account.
✅ Home-sharing coverage available for those who rent out their place with services like Airbnb or Vrbo.
❌ Not available in all states.
❌ You’ll need to call to report most claims.
Best regional insurer
Auto insurance Avg. rate: $1,842/year
Renters insurance Avg. rate: $190/year
Total pre-bundle cost: $2,032/year
Bundling discount: 15% to 25%
Pros and cons
✅ No surcharge for your first car accident if you’ve been with Erie at least three years.
✅ Customer service chat available through your online account.
✅ Home-sharing coverage available for those who rent out their place with services like Airbnb or Vrbo.
❌ Not available in all states.
❌ You’ll need to call to report most claims.
Why it’s the best: Erie serves select states in the Mid-Atlantic, Southeast and Midwest. If you live in one of these regions, it’s worth getting a quote to see if Erie’s comprehensive coverage is right for you. You can bundle not only auto and renters insurance but also other types of policies such as life and umbrella.
Erie’s default policies come with useful perks. For example, its renters insurance covers your stuff on a replacement cost basis. That’s a better type of coverage than actual cash value, which reduces your claim payout for older items that have lost value. Auto policies include up to $1,000 toward vet care if your pets are injured in a car accident.
Standout feature: Erie’s Auto Plus package includes a deductible that goes down or is waived altogether in certain situations. It also comes with increased coverage limits and a $10,000 death benefit.
» FULL REVIEWS: Erie auto insurance and Erie renters insurance
Best digital tools
Auto insurance Avg. rate: $2,005/year
Renters insurance Avg. rate: $135/year
Total pre-bundle cost: $2,140/year
Bundling discount: Up to $900/year
Pros and cons
✅ Numerous discounts, including a safe driver program for drivers under 25.
✅ Rental car and travel expenses coverage available.
✅ Renters policies generally include replacement cost coverage for your belongings.
❌ Doesn't offer gap insurance.
Best digital tools
Auto insurance Avg. rate: $2,005/year
Renters insurance Avg. rate: $135/year
Total pre-bundle cost: $2,140/year
Bundling discount: Up to $900/year
Pros and cons
✅ Numerous discounts, including a safe driver program for drivers under 25.
✅ Rental car and travel expenses coverage available.
✅ Renters policies generally include replacement cost coverage for your belongings.
❌ Doesn't offer gap insurance.
Why it’s the best: If you’re looking to buy and manage your insurance bundle online, State Farm makes it easy. You can use the company website to quote auto and renters insurance together right from the homepage. The site also lets you file claims, see your insurance card and pay bills, often without even having to log in.
The highly rated State Farm app offers similarly useful functions, including bill payments with Apple Pay or Google Pay. You’ll also use the app to access State Farm’s optional Drive Safe & Save program. If you let the app track your mileage and driving habits, you can save up to 30% on auto insurance.
Standout feature: State Farm doesn’t have dog breed restrictions on its renters policies. Renters insurance usually covers liability claims related to dog bites. However, some companies won’t write you a policy if you have breeds they consider aggressive, such as pit bulls or Dobermans.
» FULL REVIEWS: State Farm auto insurance and State Farm renters insurance
Best value
Auto insurance Avg. rate: $1,657/year
Renters insurance Avg. rate: $175/year
Total pre-bundle cost: $1,832/year
Bundling discount: Variable
Pros and cons
✅ Low rate of consumer complaints.
✅ Offers gap and new car replacement coverage.
✅ Rideshare coverage available in some states.
❌ Ranks below average for customer satisfaction in multiple JD Power surveys.
Best value
Auto insurance Avg. rate: $1,657/year
Renters insurance Avg. rate: $175/year
Total pre-bundle cost: $1,832/year
Bundling discount: Variable
Pros and cons
✅ Low rate of consumer complaints.
✅ Offers gap and new car replacement coverage.
✅ Rideshare coverage available in some states.
❌ Ranks below average for customer satisfaction in multiple JD Power surveys.
Why it’s the best: Travelers has some of the most affordable auto insurance on our list, which can help you save even before adding a bundle discount. Beyond auto and renters, Travelers also offers bundling savings if you add other policies such as umbrella or boat insurance.
There are more ways to save, too. For instance, you could get a discount for insuring multiple cars and paying your premiums on time. Got smart technology in your home? That might earn you some savings, too.
Standout feature: Travelers offers discounts for hybrid or electric cars, whether you own or lease one.
» FULL REVIEWS: Travelers auto insurance and Travelers renters insurance
Best for military and veterans
Auto insurance Avg. rate: $1,587/year
Renters insurance Avg. rate: $160/year
Total pre-bundle cost: $1,747/year
Bundling discount: Up to 10%
Pros and cons
✅ Renters policies include replacement cost coverage for your stuff.
✅ No deductible if military equipment is damaged or stolen.
✅ One-stop shop for insurance plus investing and banking products.
❌ Policies available only to the military community.
Best for military and veterans
Auto insurance Avg. rate: $1,587/year
Renters insurance Avg. rate: $160/year
Total pre-bundle cost: $1,747/year
Bundling discount: Up to 10%
Pros and cons
✅ Renters policies include replacement cost coverage for your stuff.
✅ No deductible if military equipment is damaged or stolen.
✅ One-stop shop for insurance plus investing and banking products.
❌ Policies available only to the military community.
Why it’s the best: USAA sells policies only to active military, veterans and their families, plus some government employees. Its policies include perks for this audience, such as coverage for your stuff in a war zone. If you live on a base, you can save up to 28% on renters insurance and 15% on auto insurance.
USAA’s bundling discount isn’t as high as that of some of the other companies on this list. However, its rates are lower than average, so it’s worth getting a quote if you’re eligible for USAA membership.
Standout feature: USAA renters insurance covers damage from flooding or earthquakes. Most other renters policies won’t pay for either type of damage.
» FULL REVIEWS: USAA auto insurance and USAA renters insurance
Should you bundle car and renters insurance?
Most insurance companies encourage bundling because they want more of your business. However, that doesn’t mean it’s always the right decision for you. Here are a few factors to consider.
Advantages of bundling
It can save you money, and you could end up essentially getting your renters policy for free. Say your car insurance costs $2,000 a year, and adding renters insurance gets you a 10% bundling discount. The average cost of renters insurance in the U.S. is $165 per year, according to NerdWallet’s analysis, so the $200 savings from your auto policy would be more than enough to cover it.
It can make managing your policies more convenient. Having both policies with one insurance company can make it easier to access your policies, pay bills and handle claims.
Disadvantages of bundling
It may not be the cheapest option. You may find that the cheapest auto and renters insurance rates are from two separate companies, even without a bundling discount.
It may discourage you from shopping around. It’s easy to get complacent about bundled coverage rather than getting quotes for separate policies. However, you could miss out on savings if you don’t compare rates every year.
Your “bundle” may not actually be a bundle. Some auto insurers, including GEICO and Progressive, sell renters policies through third parties. That means you might not be able to manage both policies in one place. (All the companies on our list above sell their own renters and auto policies.)
» MORE: Why is my car insurance so high?
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
How to get an auto and renters insurance bundle
Some companies will let you get quotes for auto and renters insurance at the same time on their websites. The bundling discount will be applied automatically during the quoting process. We recommend checking rates for both bundles and individual policies to make sure you’re getting the best deal.
With other companies, you may need to call the insurer or an independent agent to get a bundled quote. Ask whether there are other discounts you might be eligible for besides the bundling one. If you’re working with an independent agent, ask them to shop your policies both separately and together. Make sure you understand which company is issuing each policy.
Tips for saving money on auto and renters insurance
Looking to lower the cost of your policies? Here are a few things you can do to try to save on insurance:
Shop around. The most affordable company for you today might not be the same as the last time you shopped for a policy. It’s smart to check rates each year, both with and without a bundle. An independent insurance agent can shop around on your behalf for a good deal on both policies.
Raise your deductibles. A deductible is the amount of an insurance claim you’re responsible for, and choosing a higher one will lower your premiums. Just make sure you have enough money to cover a big deductible.
Ask about discounts. Bundling is a common discount, but most insurers offer other ways to save on your policy. For example, you may get a discount for insuring more than one vehicle or if your car has anti-theft devices. Check our car insurance discounts guide to see if there are any you might be missing out on.
Improve your credit. In most states, insurers can use a credit-based insurance score — fueled by your credit history — to help determine your rates. People with poor credit tend to pay more for insurance.
» MORE: How to save on car insurance
Auto insurance star ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “digital ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (15%).
Consumer experience (30%).
Digital ease of use (35%).
Ways to save (20%).
The best auto insurers provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including affordability, financial strength, consumer experience and coverage quality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2023 through 2025. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in all 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and "poor" credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Rates were for 35-year-old male and female drivers with good credit, no tickets or violations, and with the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
For driver ages, we analyzed rates for drivers aged 20, 30, 40, 50, 60 and 70 in addition to our base driver profile of a 35-year-old.
For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
In states where required, minimum additional coverages were added. Some policies include additional coverage at the insurer’s discretion.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven.
Renters insurance rates methodology
To find the average cost of renters insurance in the U.S., NerdWallet calculated the median rate for tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. Rates were rounded to the nearest $5.
Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We then compared the insurer's median rates to the median rates for other companies.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
