Car Insurance for Renters
- Renters can save an average of $10/month on auto insurance if they bundle.
- Erie and American Family offer the biggest bundling savings at $16 a month.
- Be sure to compare the total cost, not just the discount percentage, when you’re shopping around.
Why you can trust The Zebra
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of experience in the insurance industry
Beth Swanson is The Zebra’s Insurance Analyst and Communications Specialist, covering content, PR, and legislative insurance trends. A licensed insur…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Drew joined The Zebra as a Senior Content Specialist in 2026, bringing more than a decade of content writing and research experience to help develop …
Credentials
- Licensed Insurance Agent — Property and Casualty
- SEO Copywriting Certification — SEO Content Institute
The best auto and renters insurance companies in 2026
Most car insurance companies give you a discount when you also buy your homeowners or renters policy from them. That discount alone often makes bundling worth it, and having both policies with one provider makes them easier to manage.
The Zebra’s experts rank Erie and USAA as the best companies for bundling auto and renters insurance, thanks to their excellent customer service ratings. Both have limits on who can buy: Erie is available only in certain states, and USAA is open only to military members, veterans and their families. If price is your top priority, Progressive has the cheapest average auto insurance rates with a renters bundle.
Cheapest bundle
Progressive had the cheapest average price for renters shopping for auto insurance ($131/mo).
Largest bundling discount
Our data shows that Erie and American Family offer the biggest discounts for bundling auto and renters insurance ($16/mo on average).
Sometimes, paying a bit more means better service, smoother claims, and fewer headaches. The “best” bundle isn’t just about cost—it’s about value.
| Insurance Company | Overall Rating |
|---|---|
| AAA | 3.9/5 |
| Allstate | 2.9/5 |
| American Family | 3.8/5 |
| Auto Owners | 3.5/5 |
| Erie | 4.1/5 |
| Farmers | 3.6/5 |
| GEICO | 3.8/5 |
| Kemper | 2.7/5 |
| Liberty Mutual | 2.9/5 |
| National General | 2.4/5 |
| Nationwide | 3.6/5 |
| Progressive | 4/5 |
| State Farm | 3.6/5 |
| Travelers | 3.8/5 |
| USAA | 4.1/5 |
Source: 2024 Customer Satisfaction Survey. The Zebra
Let The Zebra compare auto and renters quotes for you!
The cheapest car insurance companies for renters
There are hundreds of insurance companies in the U.S., but for wide accessibility, we focused on carriers that provide renters and auto insurance bundles in most states. Progressive and Travelers offer some of the cheapest bundled rates among these providers.[1]
Note: This isn’t a renters-and-car insurance quote — the prices and discounts below apply only to auto insurance quotes with a renters insurance bundling discount.
Updating data...
| Company | Avg. Monthly Auto Insurance Premium | Avg. Monthly Auto Insurance Premium with Renters Bundle | $ difference |
|---|---|---|---|
| Allstate | $273 | $260 | $12 |
| American Family | $240 | $224 | $16 |
| Farmers | $228 | $215 | $13 |
| Erie | $201 | $185 | $16 |
| State Farm | $194 | $185 | $10 |
| Nationwide | $191 | $176 | $14 |
| USAA | $150 | $146 | $4 |
| GEICO | $150 | $145 | $5 |
| Travelers | $142 | $135 | $7 |
| Progressive | $139 | $131 | $8 |
Source: The Zebra • Current as of: Nov 3, 2026
Most renters insurance policies hover around $30 per month, give or take[2]. Keep this in mind when calculating the cost benefits of bundling vs keeping policies separate.
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
The Zebra’s renters insurance data methodology
The renters insurance rates published in this guide are based on The Zebra’s annual analysis of average renters insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.
These rates are based on a sample user profile: a single 30-year-old renter with an HO-4 renters policy living in a 1,000-square-foot apartment and carrying these coverage limits:
- $50,000 for personal property
- $100,000 for personal liability
- $5,000 for loss of use
- $1,000 for medical payments
- $500 deductible
To provide insight to renters on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.
40% of customers reported switching carriers specifically to bundle their policies, but this is only a good idea if the math lines up.[3] For example, a 10% bundling discount on a $500 premium ($450 total) still costs more than a $425 quote with no discount.
Similarly, one company might be cheaper for renters insurance but more expensive for auto insurance. This is because companies price each line of insurance differently based on their unique risk models.
How to decide if bundling is right for you
Bundling your auto and renters insurance can save you money and simplify your policies—but not always. Here's how to decide if bundling is right for you:
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The total cost bundled is less than the total cost of both policies bought from separate companies.
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Both policies' coverage options meet your needs.
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You prioritize convenience and have confirmed bundling won’t result in separate bills or claims processes from a subsidiary.
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The insurer (and, if relevant, their subsidiary) has good customer service and claims satisfaction ratings.
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Having policies with two different companies has a cheaper total cost
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The bundled policies don’t fully meet your coverage needs or force compromises.
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Renters coverage is provided through a subsidiary with a weaker reputation.
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Convenience is your priority and the company only offers renters insurance through a subsidiary that requires separate bills, claims processes, and service teams.
The company that has the best auto insurance rate might not necessarily have the best renters insurance rate, even with a hefty bundling discount.
Ensure the bundled package doesn’t limit your coverage needs or force compromises. For example, a bundle might offer great auto coverage but limit renters insurance to lower property limits or exclude protections of certain valuables.
Some providers offer other discounts—like good driver or claims-free discounts—that can also affect the final price you pay for coverage.
Make sure the provider offering the bundle has strong customer service and claims satisfaction ratings. Read our reviews of insurance companies.
Some insurers use subsidiaries for certain lines of insurance, especially renters and homeowners. For example, your auto insurance might be handled by the parent company, while renters insurance is managed by a subsidiary with separate claims processes, customer service teams, or coverage options.
It's important to understand which company handles each part of your bundle and review their individual coverage terms and service ratings.
Need help comparing rates?
Figuring out if bundling is the right choice can be tricky, but you don’t have to do it alone. Our licensed insurance agents can help you:
- Compare Your Options and Maximize Your Savings: We’ll break down bundled and standalone policies from multiple insurers to find the best value for your needs.
- Tailor Your Coverage: Ensure your policies meet your unique needs.
- Save Time and Stress: Skip the guesswork and let us help you make an informed, fast, and hassle-free decision.
Speak with The Zebra's licensed in-house agents or compare auto insurance rates using The Zebra's free tool below.
Here at The Zebra, we do the searching, you do the saving.
Frequently asked questions
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Data Methodology. The Zebra’s renters insurance data methodology
Data Methodology. The Zebra’s renters insurance data methodology
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Monthly user surveys via the Marble App. The Zebra
Monthly user surveys via the Marble App. The Zebra
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2024 Customer Satisfaction Survey. The Zebra
2024 Customer Satisfaction Survey. The Zebra
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
