Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Florida Best and cheapest companies for home and auto bundles in Florida Allstate has the biggest auto and home bundling discount in Florida at an average of 19%, while Travelers has the cheapest overall bundled rate at an average of $3,408 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie is a home and auto insurance expert, educator and content creation professional. She has nearly two decades of experience in the insurance industry, first as a customer service representative at Farmers Insurance and now as a researcher and writer for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. She also has written for insurance shopping sites such as ExpertInsuranceReviews.com and InsuranceHotline.com. | Updated on: December 26, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Florida to identify which ones provide significant savings when combining multiple coverage types.Allstate provides the highest percentage discount on home and auto insurance premiums in Florida when you bundle your policies. By choosing this insurer, you can save an average of 19% on your home and auto bundle. On the other hand, Travelers provides the lowest overall rate for bundling in Florida. When you bundle your policies, you can expect to pay an average of $3,408. Key Takeaways In Florida, Allstate is the best home and auto bundle insurance provider, offering an average discount of 19%.Some companies offer bigger savings for bundling than others, so it pays to shop around.Where you live within the state will impact how much you can save by bundling.Bundling usually makes sense, but there are situations where this might not be the case. How we picked the best companies for home and auto bundlingInsure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.Our recommendation for the best home and auto bundles in FloridaWe assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Florida for home and auto bundling.AllstateAllstate offers an average bundle discount of $1,573, which is a 19% savings on your premiums. Before the discount, the combined home and auto insurance cost is $8,336, and after applying the bundle discount, the total cost drops to $6,763.TravelersTravelers offers an average bundle discount of $420, or 11%. Before the bundle discount, you’ll pay an average of $3,828, which will decrease to $3,408 after the discount is applied.NationwideBundling auto and home insurance with Nationwide can save an average of $599, or 13%. Without the discount, the coverage costs $4,596, but after the discount, it’s only $3,997.State FarmThe average bundle discount at State Farm is $457, or 10%. Before the discount is added, the average cost of home and auto insurance is $4,666. After adding the bundle discount, the average cost is $4,209. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and at No. 4 in the Best Home Insurance Companies ranking.ProgressiveThe average bundle discount at Progressive is $556, or 9%. Before getting a bundle discount, customers see average rates of $6,548 for coverage. With the bundle discount, customers see average rates of $5,992. Progressive ranked at No. 8 in our Best Auto Insurance Companies ranking and No. 10 in the Best Home Insurance Companies ranking.Compare home and auto bundles in FloridaBundling your home and auto insurance in Florida can help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingAllstate$6,763 3985A+19%68.6Travelers$3,408 4483.6A++11%66.82Nationwide$3,997 4286.6A13%66.28State Farm$4,209 4787.4A++10%63.77Progressive$5,992 4886.6A+9%55.18What company offers the cheapest home and auto bundles in Florida?If you bundle your policies, Allstate gives you the highest discount. Travelers has the lowest overall rate for bundling.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleTravelers$1,157$2,671$3,828$3,408Nationwide$1,925$2,671$4,596$3,997State Farm$2,229$2,437$4,666$4,209Progressive$3,384$3,164$6,548$5,992Allstate$2,768$5,568$8,336$6,763Most and least expensive ZIP codes for home and auto insurance bundles in FloridaYour ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Florida.Most expensive ZIP codesThe most expensive ZIP code in Florida for bundling home and auto insurance is 33175, with an average cost of $6,859. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference33175$6,85912%33182$6,79512%33184$6,75612%33185$6,74112%33193$6,71912%33122$6,71612%33194$6,71112%33167$6,69112%33178$6,67212%33142$6,52312%Least expensive ZIP codesThe most affordable ZIP code in Florida for bundling home and auto insurance is 34135, with an average rate of $3,258. Below are the 10 least expensive ZIP codes.ZIP codeAverage auto and home after discountAverage difference34135$3,25812%34134$3,27712%32612$3,48112%33825$3,51312%32610$3,51812%32605$3,52312%32608$3,52412%32926$3,52712%32607$3,52712%32641$3,54112% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Florida? Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.It’s also possible that a company has the right coverage for one type of insurance but not for the other.Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.“Remember when buying insurance that you’re doing so to protect your most valuable assets,” says Christine O’Brien, president of the Insurance Council of New Jersey. “Take the time to learn about policy limits and coverages and get several quotes.” How can you switch to a home and auto bundle in Florida? Switching to a bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered. MethodologyInsure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate. You might find interesting The best and cheapest car insurance in FloridaCheapest car insurance in FloridaFlorida car insurance calculatorNon-owner car insurance in Florida: Which company has the cheapest rates?Cheapest SR-22 insurance in Florida How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing Researcher . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in FloridaCompare home and auto bundles in FloridaWhat company offers the cheapest home and auto bundles in Florida?Most and least expensive ZIP codes for home and auto insurance bundles in FloridaFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates