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About $13 to $27 a month for the renters policy itself, according to Progressive’s own 2025 data, plus a multi-policy discount of around 3% applied to your Progressive auto premium when you bundle. Progressive advertises that customers who switch both their auto and renters policies to the company save $795 on average. The bundle math usually wins for existing Progressive auto customers, but the renters policy is serviced by a partner, not Progressive itself, so it pays to understand the fine print before you buy.
How much does Progressive renters insurance cost on its own?
Progressive’s own renters insurance page puts the average premium at $13 to $27 per month, based on 2025 company data. NerdWallet’s 2026 rate analysis found Progressive Home’s renters policies averaging $215 a year, or about $18 a month, for a sample profile with $30,000 of personal property coverage, $100,000 of liability coverage, and a $500 deductible. That is slightly above the national renters average of $165 a year in NerdWallet’s analysis, which is common for a policy bought through an agency arrangement.
Progressive publishes state-level averages for policies written in 2025 on its state pages. A compilation of the three published states shows how much location moves the number:
| State | Average monthly premium | Average annual premium |
|---|---|---|
| New York | $16.05 | $192.66 |
| New Jersey | $17.84 | $214.13 |
| Connecticut | $20.16 | $241.93 |
These are historical averages across different coverage mixes, so treat them as reference points, not as quotes. Your price depends on your state, coverage limits, deductible, claims history, and your credit-based insurance score in states that allow it. Raising your deductible from $500 to $1,000 typically shaves a few dollars a month off the premium, but leaves more coming out of your pocket at claim time.
How does the Progressive bundling discount work?
When you hold two or more Progressive policies, you earn a multi-policy discount. For renters-plus-auto, Progressive applies the discount to your auto premium, averaging about 3% in most states. Progressive’s bundling page states that customers who switch their renters and auto insurance to Progressive save $795 on average, which combines the bundle discount with the savings from switching carriers.
Three percent sounds small, but it lands on the bigger bill. Insurance.com’s 2026 bundle comparison shows why that matters: their sample Progressive auto premium of $2,569 drops to $2,423 with the bundle, a $146 saving. How Progressive compares to other major carriers in that same comparison:
| Company | Average auto premium | With bundle discount | Dollar savings |
|---|---|---|---|
| Allstate | $3,159 | $3,027 | $132 |
| GEICO | $2,159 | $2,086 | $73 |
| Nationwide | $2,524 | $2,392 | $132 |
| Progressive | $2,569 | $2,423 | $146 |
| State Farm | $2,875 | $2,737 | $138 |
| Travelers | $1,962 | $1,859 | $103 |
A few practical notes on how the discount behaves. The discount is not available in every state, and the exact percentage varies by state and policy. You can add renters insurance at any time after buying the auto policy and the discount applies to the auto side from then on. And the golden rule of bundling still applies: a big discount on an expensive base price can cost more than no discount on a cheap one, so quote the final combined price against at least two other carriers before you commit.
Who actually underwrites and services the policy?
This is the part most shoppers miss. Progressive does not underwrite most of the renters policies it sells. You buy through Progressive’s in-house agency, and the policy is written by either Progressive Home, an affiliate, or Homesite, a third-party insurer. Claims go to that carrier, not to Progressive’s auto claims team, and NerdWallet notes that you cannot manage the renters policy in the Progressive app.
In practice that means two things. First, save your servicer’s name and claims phone number from the declarations page the day the policy starts; digging for it during an emergency is the classic mistake. Second, the customer experience you get at claim time is the underwriter’s experience, not Progressive’s. Progressive reports an average rating of 4.34 out of 5 across more than 74,000 renters reviews on its own site, which is solid, but read a few claim-time reviews for the named underwriter before you decide.
Is bundling renters with Progressive auto worth it?
For most existing Progressive auto customers, yes. Run the net math on a typical case: a renters policy at the $18-a-month midpoint costs $216 a year. The bundle discount on a $2,569 auto policy saves about $146 a year. Net, the renters coverage effectively costs $70 a year, or under $6 a month, which is hard to beat anywhere.
The case weakens in two situations. If you do not have Progressive auto insurance, the bundle discount disappears, and you are paying for a middleman structure with none of the payoff; a standalone insurer is often cheaper and simpler. And renters with high-value electronics or jewelry should compare scheduled-item terms carefully, since standard sub-limits, such as $2,500 for computers, can bind quickly regardless of who sells the policy.
One more check before you buy: confirm whether replacement cost or actual cash value applies to your belongings. Replacement cost pays what a new item costs; actual cash value subtracts depreciation. The upgrade usually costs a few dollars a month and is worth it for anyone furnishing an apartment with items they would actually replace.
Ways to lower the combined bill further
Beyond the bundle discount, Progressive offers the usual renters discounts: paperless billing, paying in full, and protective devices like smoke detectors, deadbolts, and burglar alarms. An independent quote comparison is still the highest-value move. Our comparison of the best renters insurance breaks down where Progressive lands against the field, and if you want a company-by-company view, see Lemonade vs State Farm renters insurance and Allstate renters insurance reviews. For the math on a bigger personal property limit, read how much renters insurance costs for $100,000 of coverage.
The bottom line
Progressive renters insurance bundled with auto costs most buyers $13 to $27 a month for the renters policy, with roughly 3% knocked off the auto premium on top. The effective net cost for an existing Progressive auto customer often lands under $10 a month, which makes it one of the cheapest ways to get renters coverage. Just remember you are buying a policy written and serviced by Progressive Home or Homesite, so keep their claims number handy and confirm the coverage details, especially replacement cost and sub-limits, before the first premium leaves your account.
Frequently asked questions
How much is Progressive renters insurance per month when bundled with auto?
About $13 to $27 per month for the renters policy itself, per Progressive’s own 2025 data, with a multi-policy discount of around 3% applied to your Progressive auto premium. Bundling does not lower the renters premium much; the savings land on the auto side.
Does Progressive underwrite its own renters insurance?
Usually not. Policies sold through Progressive’s agency are underwritten by Progressive Home, an affiliate, or Homesite, a third-party insurer. That carrier handles your claims and servicing, and you cannot manage the renters policy in the Progressive mobile app.
Can I add renters insurance to my Progressive auto policy later?
Yes. You can quote and buy renters insurance at any time after starting your auto policy, and the multi-policy discount applies to your auto premium from then on. The discount is not available in every state.
Is bundling renters and auto with Progressive worth it without a Progressive auto policy?
Probably not. Without Progressive auto insurance, you get none of the bundle discount and you are buying through an agency structure with no payoff. Price a standalone renters policy from a direct insurer first, then compare the final numbers.
What discounts does Progressive offer on renters insurance?
Besides the multi-policy discount on your auto premium, Progressive offers discounts for paperless billing, paying the premium in full, and having protective devices such as smoke detectors, deadbolts, and burglar alarms. Ask the agent about all of them, since some are not applied automatically.
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