The best renters and auto insurance bundles of 2026

If you're paying for renters and auto insurance, forget divide and conquer. Combining your resources can lead to big savings.

Bundling together the different insurances can come with a discount, saving policy holders between 5% and 25% on both products. Given that renters insurance only costs about $24 per month or $288 per year, the savings could be enough to offset your renters coverage entirely.

Besides the savings, bundling makes it easier to manage your policies in one place. Plus, if you have to file a claim on both your car and home, some companies will only require you to pay one deductible.

CNBC Select looked at insurers that offer renters and auto insurance bundles. We picked out five of the best based on cost, special features, availability and customer satisfaction. (To see how we make our selections, check out our methodology.)

Who's this for? Erie has some of the happiest customers in the business, according to 2025 J.D. Power surveys for both  and . However, this brand is only available to those in 12 eastern states and Washington, D.C.

Standout benefits: Erie offers coverage for renters who list their places on homesharing platforms like Airbnb. It also offers earthquake and flood insurance for rented homes as an add-on.

Bundling discount: Up to 15%, depending on state

Who's this for? If you're saving up to buy a new place, you could earn credit towards future homeowners insurance. For each year you keep your Amica renters insurance policy, you can earn $100 for a future homeowners insurance policy, up to a total of $500.

Standout benefits: Amica also offers incentives that can stack on top of bundling discounts. Those include rate reductions for being claims-free for three or more years, for staying with the insurer for two or more years, and for receiving digital bills and policy documents instead of paper.

Bundling discount: 15%

Who's this for? With Progressive auto and renters insurance bundles, you would only need to pay one deductible if you had to file a claim on both policies at the same time.

Standout benefits: Progressive aims to make it easy to get coverage online at home, from quoting your policy to signing for it. You'll also get rewarded for going this route with a 7% online quote discount and a 10% online signing discount.

Bundling discount: 3% (applied to auto insurance policy)

Who's this for: Lemonade's auto insurance prices are partially based on how much you drive, so those who don't have to commute or who drive just a few miles per week could see prices that are lower than other car insurance companies.

Standout benefits: Lemonade's renters insurance has the option to add extra coverage for high-value items like bicycles, cameras and jewelry without a deductible.

Bundling discount: Up to 10%

Who's this for: Military members, current and former, and their families can get highly rated coverage from USAA — many customers surveyed by J.D. Power have liked the brand's customer service and coverage options. Since it's available in all 50 states, your coverage can follow you wherever military life takes you.

Standout benefits: USAA includes replacement cost coverage standard on all renters insurance policies, which pays the full cost of an item without considering depreciation. With other insurers, this is an add-on with an additional cost.

Bundling discount: Up to 10% off the total premium

An insurance bundle is simply two or more policies bought from the same company. Bundling often comes with a discount, which is also called a multi-policy or multi-line discount.

Bundling can go beyond just auto and renters insurance. If you have another vehicle, like a motorcycle or a boat, you can add those to your bundle and potentially save more. You may also be able to bundle other types of property insurance you may need, like earthquake and flood insurance. Finally, if you have a cat or dog, some larger insurers may even allow you to bundle your pet insurance.

Creating an insurance bundle can help you not only save, but it can also help you keep track of all of your policies and payments. However, it's not always the cheapest option — shop around and compare prices to see if you would get a better price from two different companies.

To bundle renters and auto insurance, start by getting quotes for both policies from several insurance companies. You'll need to have information on hand about your rented home and your things, including:

• An estimated value of your belongings
• Your home's address
• Your personal information (like date of birth and Social Security number)
• History of prior renters insurance coverage and claims
• Safety features like sprinklers, fire alarms, secure community access and burglar alarms

You'll also need to give some information about your car as you quote your car insurance. You'll need:

• Your car's mileage, make, model, year and VIN number
• Details on your driving record
• Driver's license number
• An estimate of how much you drive each month
• Information on your auto loan (if needed)

Make sure that your quotes are for the same limits of liability and personal property coverage, and that the deductibles are the same. Then, you can compare prices apples-to-apples.

When you've chosen the company with the best prices on both policies, most bundling discounts will appear automatically. Like you would with any new insurance policy, you'll go through the process of signing the necessary documents and set up your payment. Check your statement to make sure your discount is reflected.

If you already have a policy with a company and want to add renters or auto insurance, start by logging into your policy online, by calling the company, or reaching out to an agent. Make sure you have your current policy number — this will help your insurer link your accounts and ensure you get the bundling discount.

In most cases, bundling your renters and auto insurance will help you get a discount and help you find the best possible price. However, that's not always the case.

If you have several negative marks on your driving record or have bad credit might, you might find that the company that offers you the best rates on auto insurance doesn't offer renters insurance.

And sometimes, the discount just doesn't compensate for a better price elsewhere. As you comparison shop, keep an eye out for any prices that seem standout. If it's cheaper to get two policies from two insurers, skipping the bundle is worth it.

At CNBC Select, our mission is to deliver high-quality service journalism and comprehensive consumer advice to our readers, enabling them to make informed financial decisions. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content independently of our commercial team and any outside third parties, and we pride ourselves on maintaining high journalistic standards and ethics.

CNBC Select reviewed more than 15 insurance companies that offer both car insurance and renters insurance, focusing on discounts, cost, coverage, customer service and online experience.

To rank our selections, we averaged customer satisfaction scores from J.D. Power's renters insurance and auto insurance surveys. We also considered customer complaint data from the National Association of Insurance Commissioners and the Better Business Bureau. Financial strength ratings were also a factor, gathered from A.M. Best.

When applicable, information on average annual renters insurance premiums and auto insurance premiums were based on Bankrate analyses of Quadrant Information Services. For auto insurance, data was based on a 40-year-old driver with a clean driving record and good credit, driving a 2023 Toyota Camry five days a week with the following coverage:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.

Based on that criteria, our selections for the best auto and renters insurance bundles were sorted into the following categories:

• Best for customer satisfaction: Erie
• Best for future homeowners: Amica
• Best for a single deductible: Progressive
• Best for low-mileage drivers: Lemonade
• Best for military members and veterans: USAA

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