Best renters insurance companies in the U.S. for 2025
Here are some of the best renters insurance companies in the U.S. for 2025, based on multiple recent rankings (August 2025) from reputable sources:
NerdWallet (August 1, 2025)
Top-rated (perfect 5-star scores) across coverage, discounts, online experience, financial strength, and consumer complaints:
- American Family – Best for discounts
- Amica – Best for customer service
- Erie – Best in the Mid-Atlantic and Midwest
- USAA – Best for military members and veterans
(NerdWallet)
Other notable insurers with strong ratings (4.5 stars): Allstate, Auto-Owners, Country Financial, Farmers, The Hanover, The Hartford/AARP, Nationwide, State Farm, Travelers
(NerdWallet)
MoneyGeek (Updated August 25, 2025)
- Best Overall: State Farm – Score: 92/100. Excellent balance of affordability, service, and stability.
- Runner-up: Auto-Owners – Score: 88/100; strong affordability and coverage options.
- Best for Customer Satisfaction & Poor Credit: Chubb
- Best for Military Members: USAA
(MoneyGeek.com)
MoneyGeek Highlights
- State Farm offers incredibly low monthly premiums (~$8 for $20K coverage; ~$101 annually), excellent satisfaction, and strong financial reliability.
- Auto-Owners is also affordable (~$9/month) and offers valuable coverage choices.
- Chubb stands out for its customer service and credit flexibility.
- USAA remains the go-to for military-affiliated renters.
(MoneyGeek.com)
MarketWatch (August 2025)
Top picks include: Lemonade, American Family, and USAA.
(MarketWatch)
The Zebra (Updated August 27, 2025)
Notable companies for their dynamics and cost effectiveness:
- Allstate, American Family, Farmers, Liberty Mutual, Nationwide, Lemonade, State Farm, USAA
- Lemonade is praised for its ultra-competitive pricing and digital-first approach (claims via chatbot/AI), with rates starting as low as $5/month.
- USAA and State Farm are highlighted for affordability and top-tier ratings.
(The Zebra)
Other Insights
- Lemonade offers renters policies starting at ~$5/month, with fast, app-based services; but note limitations such as no coverage for roommate’s belongings, floods, or liability for high-risk dog breeds.
(New York Post) - Allstate also advertises starting rates around $5/month in certain circumstances.
(Allstate)
Summary Table
| Company | Strength / Best For |
|---|---|
| State Farm | Overall best; affordable rates; strong customer satisfaction |
| Auto-Owners | Great value and reliability |
| American Family | Excellent discounts |
| Amica | Top-tier customer service |
| Erie | Regional strength (Mid-Atlantic & Midwest) |
| USAA | Military/veteran renters; includes quake/flood coverage |
| Chubb | High service, good for poor credit history |
| Lemonade | Cheapest rates (~$5/month), tech-savvy, fast digital processing |
| Allstate | Established provider; multi-line bundling might offer savings |
Final Thoughts
- If you want a balance of value, reliability, and solid service, State Farm or Auto-Owners are excellent for most renters.
- American Family and Amica excel if you’re looking for discounts or top-tier customer support.
- For military-affiliated individuals, USAA stands out with specialized coverage benefits like earthquake and flood included.
- If you’re digitally savvy and want the cheapest policy with quick processing, check out Lemonade, but keep coverage limitations in mind.
What’s Next?
To find the best fit for your situation:
- Define your needs: coverage limits, deductible, renters profile (e.g., military, credit score).
- Get personalized quotes from a few companies—State Farm, Auto-Owners, USAA (if eligible), Lemonade—for side-by-side comparison.
- Check discounts (like bundling auto/renters, security systems, etc.).
- Evaluate your region—some providers have more favorable coverage or rates depending on your state or city.
Let me know if you’d like help narrowing it down further based on your location or personal situation!