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 their average annual rates and bundle discounts.
Company | Auto | Renters | Bundle discount |
|---|---|---|---|
$3,215 | Rate unavailable | Up to 30%. | |
$1,985 | $132 | Discount varies. | |
$1,731 | $142 | 15% to 25%. | |
$2,090 | $110 | Up to $834 per year. | |
$1,712 | $155 | Discount varies. | |
USAA* | $1,499 | $146 | Up to 10%. |
*USAA's car and renters insurance is available only to members of the military, veterans, some federal workers and their families. | |||
Here are our top picks, along with their bundle discounts.
Company | Bundle discount |
|---|---|
Up to 30%. | |
Discount varies. | |
15% to 25%. | |
Up to $834 per year. | |
Discount varies. | |
USAA* | 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 November 2025. 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, $100,000 in liability coverage and a $500 deductible. These sample rates do not include bundling discounts.
- Why trust NerdWallet
Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. 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.
- How we chose the best bundles
Our editorial team examined insurance companies 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, you can also 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
Amica
Pros
- Offers optional dividend policies, which cost more but can return part of your premium (generally 5%-20%).
- Few consumer complaints.
- Several discount options for auto insurance and renters insurance.
Cons
- Auto insurance is more expensive, on average, than many other top companies.
Why it’s one of the best: Amica offers strong customer service, drawing a low rate of consumer complaints to state agencies, according to the National Association of Insurance Commissioners. It also ranks well in J.D. Power’s most recent customer satisfaction survey for renters insurance.
Bundling discount: Up to 30%.
Full reviews: Amica auto insurance and Amica renters insurance
Auto-Owners
Pros
- Renters Plus add-on includes coverage for things like food spoiled during a power outage and water damage from backed-up drains.
- Very low rate of consumer complaints.
- Accident forgiveness available for at-fault car crashes.
- Many discounts available.
Cons
- Not available in all states.
- No online quotes or claim filing.
Why it’s one of the best: Although its policies are available in only about half the U.S., Auto-Owners is worth considering. It offers a range of coverage options and draws very few consumer complaints. Auto-Owners sells its policies through independent insurance agents.
Bundling discount: Variable discounts.
Full reviews: Auto-Owners car insurance and Auto-Owners renters insurance
Erie
Pros
- With the Auto Plus package, your deductible goes down or is waived altogether in some situations.
- No surcharge for your first car accident if you’ve been with Erie at least three years.
- Low rate of consumer complaints.
Cons
- Not available in all states.
- No online claims filing.
Why it’s one of the best: Erie offers a range of coverage options on its auto and renters policies. For instance, you can add Better Car Protection to pay for a newer vehicle if your own is totaled. If you have a side hustle driving for services like Uber or Lyft, you can add rideshare coverage.
Bundling discount: 15% to 25%.
Full reviews: Erie auto insurance and Erie renters insurance
State Farm
Pros
- Drive Safe & Save program can provide discounts up to 30% for low mileage and safe driving habits.
- Numerous discounts, including a safe driver program for drivers 25 and younger.
- Rental car and travel expenses coverage available.
Cons
- Doesn't offer gap insurance.
Why it’s one of the best: State Farm is the largest auto and home insurer in the U.S. The insurer's website lets you get quotes, file claims, get your ID and pay bills, often without even having to log in.
Bundling discount: Up to $834 per year.
Full reviews: State Farm auto insurance and State Farm renters insurance
Travelers
Pros
- Offers hybrid and electric vehicle discounts for owned or leased cars.
- Offers gap and new car replacement coverage.
- Optional transportation expenses coverage can pay for a rental car or public transit while your car is in the shop.
Cons
- Ranks below average for customer satisfaction in multiple J.D. Power surveys.
Why it’s one of the best: Travelers advertises bundling discounts for most insurance combinations, plus plenty of other savings. 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.
Bundling discount: Variable discounts.
Full reviews: Travelers auto insurance and Travelers renters insurance
USAA
Pros
- Renters policies include flood and earthquake coverage for no extra cost.
- No deductible if military equipment is damaged or stolen.
- One-stop shop for insurance plus investing and banking products.
Cons
- Policies available only to the military community.
Why it’s one of the best: USAA sells policies to active military, veterans and their families, as well as some government employees. USAA offers savings of up to 28% on renters insurance and up to 15% on auto insurance if you live and store your vehicle on-base.
Bundling discount: Up to 10%.
Full reviews: USAA auto insurance and USAA renters insurance
Should you bundle car and renters insurance?
Most insurance companies encourage bundling, but 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 $151 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 your 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 sell renters policies through third parties, which means you might not be able to manage both policies in one place.
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 $151 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 your 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 sell renters policies through third parties, which means you might not be able to manage both policies in one place.
» 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.
Tips for saving money on auto and renters insurance
Looking to lower the cost of your policy? Here are a few things you can do to try to save on insurance:
Shop around. The most affordable insurance 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 insurance companies offer other ways to save on your policy. For example, you may get a discount if you’re insuring multiple vehicles 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, insurance companies 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
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Home Insurance Study. Accessed Dec 16, 2025.
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 options. 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 2022 through 2024. 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 2022 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 30-year-old tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. 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.
