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Compare the best auto and renters insurance bundles

Snag over 15% in savings by choosing one of these insurers with top-notch coverage and benefits.

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Wrapping your car and renters insurance in one convenient package could save you a tidy couple hundred dollars. But you might look for insurance companies that blend savings with service and other perks.

When analyzing our best picks, we started with top insurance companies in the market that offer the highest bundling discounts. We then factored in our Finder ratings, which are based on thousands of hours of comparing each company’s policies, coverage, customer service and other factors.

Next, we balanced those features with business and customer service ratings from the Better Business Bureau, Trustpilot and the National Association of Insurance Commissioners. Our top pick offers the most balanced blend of these features, while the other companies on this list stood out in specific areas. The result is a list of solid companies that take into account coverage, exceptional features and customer service.

How much can I save with renters and auto bundles?

A few insurance companies discount your premium up to 30% for bundling your car and renters insurance. However, most insurers typically offer 10% to 20% off. See if you qualify for multiple bundling and other discounts to help you compare insurance companies.

Best overall: State Farm

Optional
Roadside assistance

New car protection

Accident forgiveness
State Farm offers one of the highest discounts for bundling, and you can combine nearly any type of insurance including car, home, condo, renters or life insurance. Those features combined with fair rates and personalized customer service make this company a top option.
  • Up to 17% in bundled savings
  • Thousands of local agents for personalized service
  • Wide variety of policies for customization
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, Monthly
Claims methods Online, Phone
New car protection Yes
Accident forgiveness Yes

Best bundling discount: American Family

Optional
Roadside assistance

New car protection

Accident forgiveness
If you're looking for the steepest savings possible, American Family is worth a quote with its multipolicy discount of up to 29%. You can also stack a myriad of other discounts on your car insurance, helping you get the most bang for your buck.
  • Save 29% off car &
  • 15% off renters policies
  • 16 car insurance discounts
  • File claims online, by phone or in person
States served Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, Wisconsin
Roadside assistance Optional
Pay schedule 12 months, monthly, custom
Claims methods online, phone
New car protection Yes
Accident forgiveness Yes

Best free perks: USAA

Optional
Roadside assistance

New car protection

Accident forgiveness
This company offers robust renters insurance with freebies like earthquake and flooding protection that would normally require a separate policy. Plus, factor in USAA's free coverage for replacement locks and losses to personal items while moving. With all this free coverage, you may not find a better value elsewhere.
  • Loads of free renters coverage along with helpful options
  • Superior customer ratings from J.D. Power
  • Competitive rates starting at $10 per month
  • Variety of insurance and financial services for those in the military and their families
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, custom
Claims methods Online, Phone
New car protection No
Accident forgiveness Yes

Best coverage: Amica

Optional
Roadside assistance

New car protection

Accident forgiveness
Wide coverage, extra benefits and highly rated service make this company a top choice for bundling car and renters policies. Car insurance policies feature no-deductible glass coverage, free lock replacements and a lifetime repair warranty, while renters insurance policies include an extended coverage package with high liability limits.
  • Up to 15% off of bundled car and renters insurance
  • Optional extended coverage packages for both policies
  • Highly rated customer service according to J.D. Power and Trustpilot
States served Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Roadside assistance Optional
Pay schedule 6 months, monthly
Claims methods online, email, phone
New car protection Yes
Accident forgiveness Yes

Compare more companies with auto and renters insurance bundles

Many brand names bundle insurance for your car, rental home and other types of insurance, including:

  • Allstate
  • American Family
  • Farmers
  • Geico
  • Liberty Mutual
  • Nationwide
  • Travelers
Name Product Finder Rating Roadside assistance New car protection Accident forgiveness Available states
Progressive
Optional
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Allstate
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
The AARP Auto Insurance Program from The Hartford
Optional
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Compare up to 4 providers

How to sign up for a policy

Applying for a bundled car and renters policy is a fairly straightforward process:

  1. Begin a quote online or over the phone, selecting bundled coverage when prompted.
  2. Enter your personal details and information about your car and apartment or condo.
  3. Fill in information about anyone living with you and your driving record.
  4. Check the coverage offered and adjust the limits or coverage.
  5. Enter your payment information and preferred start date.
  6. Sign on the dotted line and wait for confirmation of coverage.

What info do I need to apply?

You won’t need much extra information to apply for both policies at the same time. Have these details on standby:

  • Rental home or apartment address
  • Your name, email and phone number
  • Details about additional roommates
  • Estimated value of your personal belongings
  • Your car’s make and model or VIN
  • Driving record for all drivers on the policy
  • Annual mileage
  • Type of coverage, limits and deductibles
  • Payment information

What to watch out for

Finding the steepest bundling discount shouldn’t end your search for the best company. Consider a few pitfalls to look for when getting quotes:

  • Not comparing quotes for separate policies. Bundling two policies with one company can still cost more than buying separate policies from different companies in some cases. You might compare the best deal on bundled policies versus separate ones before choosing.
  • Varying deductibles. What renters insurers consider a standard deductible can vary among companies. So check that the same deductible is selected across all your quotes, so you’re comparing apples-to-apples.
  • Compromising on customer service. Weigh in the customer service ratings from each company you’re looking at. In your final decision, consider choosing a company with a balanced approach to service and coverage.
  • Watch your landlord’s requirements. Check that you’re looking at policies with coverage and limits matching your landlord’s required coverage. These requirements should be listed in your rental agreement.

Can I bundle policies with more than one insurer?

You can still get a bundling discounts if you pick an insurance company that offers one or both policies through partner companies. For example, Geico allows customers to get quotes for Geico car insurance and its partner Assurant’s renters policy simultaneously online.

What if I want to cancel one of the policies on my bundle?

You can cancel each individual policy if you no longer need one by calling customer service, or rarely by canceling online. But check whether your company charges an early cancellation fee before doing so.

Bottom line

The best option for you when bundling car and renters policies will pack value, extra benefits and high-quality customer service, all working together to cover your property. You can consider other car insurance companies or renters insurance for a well-rounded look at the industry.

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