Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 20, 2021

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Key Takeaways

  • Most major insurers bundle renters and car insurance
  • Other discounts can be stacked to save more money
  • State Farm, GEICO, Nationwide, and USAA are all car insurance companies that bundle renters and car at affordable rates

If you rent your home and have a car you can save on your overall insurance bills with an insurance company that offers a discount for bundling your coverage.

We’ll help you find the major car insurance companies that bundle renters and car insurance. We can also help you find out how to get a car insurance quote that’s bundled with renters insurance.

Then, we’ll see what rates can be expected and look at company reviews. By the end, you’ll know which companies don’t bundle renters and car insurance and which do.

Type your ZIP code into our free and helpful tool above. You may find affordable quotes from car insurance companies that bundle renters and car insurance in your area.

Which insurance companies bundle renters and car insurance?

If you are looking to bundle policies, there’s good news. Most major insurers offer a slew of discounts. Among them are discounts for bundling policies.

Common Car Insurance Discounts by Insurance Provider
CompaniesAnti-TheftClaim FreeGood StudentMarriedMembership/GroupMilitaryMultiple PoliciesMultiple VehiclesSafe Driver
Allstatexxxxxx
American Familyxxxxxx
Farmersxxxxxxx
Geicoxxxxxxxx
Liberty Mutualxxxxxxxx
Nationwidexxxxxxxx
Progressivexxxxxxx
State Farmxxxxxxxx
Travelersxxxxxxx
USAAxxxxxxxx
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As you can see, a discount for bundling policies is available from all 10 of these companies. Furthermore, these discounts can be stacked. Just because you have a bundling discount doesn’t mean you can’t save even more.

Now, let’s look at examples of the discounts you can take advantage. Then, if you see one or more that apply to you, you can tell your agent.

Available Insurance Discounts by Type
Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-Lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hybrid VehicleOnline ShopperNon-Smoker/Non-Drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer
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Now, take note of how there are several types of discounts including for vehicle features and driving behavior.

Compare quotes from the top car insurance companies and save

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How do I get the cheapest rates from car insurance companies that bundle renters and car?

If you buy from a company that bundles renters and car insurance, you should compare quotes first.

How do I find comprehensive car insurance prices? Let’s look at a table that compares the rates offered by the same 10 major insurers.

Comparison of Average Annual Car Insurance Rates (Top 10 Providers)
ProviderSingle 17-year-old Female Average Annual RatesSingle 17-year-old Male Average Annual RatesSingle 25-year-old Female Average Annual RatesSingle 25-year-old Male Average Annual RatesMarried 35-year-old Female Average Annual RatesMarried 35-year-old Male Average Annual RatesMarried 60-year-old Female Average Annual RatesMarried 60-year-old Male Average Annual Rates
Allstate$9,282.19$10,642.53$3,424.87$3,570.93$3,156.09$3,123.01$2,913.37$2,990.64
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Farmers$8,521.97$9,144.04$2,946.80$3,041.44$2,556.98$2,557.75$2,336.80$2,448.39
Geico$5,653.55$6,278.96$2,378.89$2,262.87$2,302.89$2,312.38$2,247.06$2,283.45
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
Nationwide$5,756.37$7,175.31$2,686.48$2,889.04$2,360.49$2,387.43$2,130.26$2,214.62
Progressive$8,689.95$9,625.49$2,697.73$2,758.66$2,296.90$2,175.27$1,991.49$2,048.63
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
Travelers$9,307.32$12,850.91$2,325.25$2,491.21$2,178.66$2,199.51$2,051.98$2,074.41
USAA$4,807.54$5,385.61$1,988.52$2,126.14$1,551.43$1,540.32$1,449.85$1,448.98
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As you can see, four of the companies are cheaper than the remainder.

USAA, GEICO, Nationwide, and State Farm all offer more competitive rates for younger men and women.

These four companies operate all across the country. Since we know the rates offered, let’s see how they’re rated.

How are the top renters and car insurance companies rated?

What is the best way to find out if a company is not only affordable, but also financially solid? A.M. Best is an organization that determines a company’s financial strength now and makes projections about the future.

Top Car Insurance Companies' A.M. Best Ratings and Monthly Rates
Car Insurance CompaniesA.M. Best RatingsAverage Monthly Car Insurance Rates
AllstateA+ (Superior)$227
American FamilyA (Excellent)$160
FarmersA (Excellent)$206
GEICOA++ (Superior)$128
Liberty MutualA (Excellent)$284
NationwideA+ (Superior)$163
ProgressiveA+ (Superior)$202
State FarmA++ (Superior)$168
TravelersA++ (Superior)$205
USAAA++ (Superior)$115
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As you can see, every major company that bundles renters and car insurance is also well-reviewed.

How did USAA, Nationwide, GEICO, State Farm fare in comparison to the rest? GEICO, State Farm, and USAA all hold A.M. Best’s highest rating of “A++.” Nationwide wasn’t far behind with an “A+.”

These are among the top CA insurance companies that combine coverage, as well as popular nationwide.  

In short, you have options when finding a company that bundles renters and car insurance. Simultaneously, the companies are both affordable and well-reviewed.

Type your ZIP code into our free and helpful tool below. With it, you’ll find affordable rates from a company that bundles renters and car insurance in your area.