Definitely have some form of renter’s insurance. If there is a problem that damages your property you won’t have anything to even make a start at replacing things lost much less coming up with the money needed to rent a new place.
As for auto insurance they’ve got you coming and going. Try looking around to see what other insurance companies offer and compare rates. I live in a state that requires auto insurance. The best that I can afford is the absolute basic needed to be on the road. I wish that I could offer you more help.