Best and cheapest companies for home and auto bundles in Florida

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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 offers the biggest average discount of 19% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

How we picked the best companies for home and auto bundling

In 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre and post bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Florida

We ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Florida.

Allstate

Allstate offers a 19% bundle discount, which amounts to an average savings of $1,573. The combined cost of home and auto insurance before the discount is $8,336, and after the discount, it drops to $6,763.

Travelers

Travelers 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.

Nationwide

Nationwide offers an average discount of $599 when you bundle your auto and home insurance, which is about 13%. Without the discount, the average cost is $4,596, but with the discount, it drops to $3,997.

State Farm

The 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.

Progressive

Progressive provides an average bundle discount of $556, or 9%. Before the discount, the average cost for coverage is $6,548. After applying the discount, the cost comes down to $5,992.

Compare home and auto bundles in Florida

Bundling your home and auto insurance in Florida can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
Allstate	$6,763	39	85	A+	19%	68.6
Travelers	$3,408	44	83.6	A++	11%	66.82
Nationwide	$3,997	42	86.6	A	13%	66.28
State Farm	$4,209	47	87.4	A++	10%	63.77
Progressive	$5,992	48	86.6	A+	9%	55.18

What company offers the cheapest home and auto bundle in Florida?

Allstate provides the largest discount on premiums for bundled insurance, while Travelers offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Travelers	$1,157	$2,671	$3,828	$3,408
Nationwide	$1,925	$2,671	$4,596	$3,997
State Farm	$2,229	$2,437	$4,666	$4,209
Progressive	$3,384	$3,164	$6,548	$5,992
Allstate	$2,768	$5,568	$8,336	$6,763

Most and least expensive ZIP codes for home and auto insurance bundles in Florida

The ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Florida for bundling insurance.

Most expensive ZIP codes

The 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 code	Average auto and home after discount	Average difference
33175	$6,859	12%
33182	$6,795	12%
33184	$6,756	12%
33185	$6,741	12%
33193	$6,719	12%
33122	$6,716	12%
33194	$6,711	12%
33167	$6,691	12%
33178	$6,672	12%
33142	$6,523	12%

Least expensive ZIP codes

The 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 code	Average auto and home after discount	Average difference
34135	$3,258	12%
34134	$3,277	12%
32612	$3,481	12%
33825	$3,513	12%
32610	$3,518	12%
32605	$3,523	12%
32608	$3,524	12%
32926	$3,527	12%
32607	$3,527	12%
32641	$3,541	12%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in Florida?

Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

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?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

Methodology

Insure.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.

Chris Kissell

Contributing Researcher

Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.