How to Get Discounts Bundling Auto & Renters Insurance

How to Get Discounts Bundling Auto & Renters Insurance

Geico has the cheapest rate to bundle auto and renters insurance, at $91 per month. State Farm offers the best discount for bundling, at 4.7%.

Bundle & Save



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Many insurers, including State Farm, Geico, Progressive, Allstate and Farmers, offer a discount for bundling auto and renters insurance policies.

Cheapest car and renters insurance companies

Bundling your auto and renters coverage can lead to modest savings. State Farm offers the best auto-renters bundling discount at 4.7%, which could save you $112 per year.

Bundle & Save



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Cheapest companies to bundle car and renters insurance

Bundle total
Auto rate per month
Renters rate per month
State Farm4.7%$190$189$10
Liberty Mutual2.4%$243$234$15

Quotes are from Brooklyn, New York, where a high proportion of residents are renters.

Insurers that bundle renters and car insurance

Most insurers offer the option to bundle renters and auto insurance, including:

  • Allstate
  • American Family
  • Ameriprise
  • Amica
  • Auto-Owners
  • Esurance
  • Farmers
  • Geico
  • Kemper
  • Liberty Mutual
  • Mercury
  • Nationwide
  • Progressive
  • State Auto
  • State Farm
  • The Hartford/AARP
  • Travelers
  • USAA

Best auto and renters insurance companies

While price is certainly an important factor when buying auto and renters insurance, there are other important elements to consider when choosing the best insurance company, such as how you'll be treated as a customer.

USAA is the best company that offers an auto and renters insurance discount, based on our rating system that combines price, policy offerings and customer service. However, USAA is only available to military members, veterans and their families.

Amica and Auto-Owners are also great insurance companies that offer auto and renters insurance bundles.

Editor's rating
J.D. Power rating
State Auto
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J.D. Power rates an insurer's claim process by surveying customers' overall satisfaction, claim servicing, settlement of the claim and other factors.

How to bundle your auto and renters insurance policies

If you already have auto or renters insurance with your current insurer, bundling your policies is quite simple. You should reach out to your insurer and ask about getting a quote and a discount for bundling your policies. If your insurer doesn't have the option or doesn't offer a discount, you could save money by getting auto and renters quotes from other insurers.

If you want to bundle your auto insurance with a renters insurance policy with a new insurer, usually you will use one of the following two methods:

  1. Get a quote for both auto and renters at the same time, and sign up for both at once.
  2. Get a car insurance quote. After you sign up for the auto policy, the insurer will give you a discount on your car insurance if you sign up for renters insurance with the same company.

Some companies will offer you a multi-policy discount even if you don't bundle with them or they don't offer renters insurance. For example, you can get a bundle discount with a Geico auto insurance policy if you bundle it with an Assurant renter's insurance policy, Geico's renters insurance partner.

You may not have the option to bundle if you're covered by a small or regional insurer that doesn't offer renters insurance policies.

Should you bundle your car insurance and renters insurance?

You should bundle your auto and renters insurance if it helps you save money and is more convenient, but bundling isn't always the best or cheapest option for everyone.

Pros and cons of insurance bundles

Save money by getting a bundle discountYou might pay more for a combined policy with one company than you would with two separate policies
Streamline paying bills and making claimsSupport experience may be different for auto versus renters claims
Some insurers offer a combined deductible, which means you pay one deductible for a combined auto and renters claim

Insurance bundle opportunities

You can bundle more than just auto and renters insurance policies. For instance, if you're looking to increase your liability coverage beyond your renters insurance policy limits, you may have the option to bundle a personal umbrella policy with your renters or auto insurance — or bundle all three together — to find more discounts.

As a general rule, bundling more expensive policies together tends to provide bigger discounts. Since home insurance and auto insurance are typically two of the more expensive policies, home and auto insurance bundles tend to provide the biggest discounts of up to 10%. You won't get as big of a discount for bundling renters and auto insurance, but bundling could still help you save.

Frequently asked questions

Can you bundle renters and car insurance?

Yes, most major companies let you bundle renters and car insurance, including State Farm, Geico, Progressive, Allstate and Farmers. Most insurers will ask at the end of your quote process if you would like to add auto or renters coverage if you don't have it already.

Which company has the best car and renters insurance bundle?

Geico offers the cheapest car and renters insurance bundle at an average rate of $91 per month. State Farm offers the best discount for bundling car and renters insurance at 4.7%.

How much does bundling renters and auto insurance save?

On average, bundling renters and auto insurance saves 2.6% off your total premiums. State Farm offers the biggest bundling discount at 4.7% or $112 in savings per year.


Sample quotes were pulled from five companies for a 30-year-old male driver with minimum car insurance coverage. All sample quotes were from Brooklyn, New York, where renters make up a more significant portion of the population than in most of the United States. We used the following coverage limits:

Coverage type
Study limits
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$50,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injuryNone
Comprehensive and collisionNone
Renters personal property coverage$20,000
Renters liability coverage$100,000

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.


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