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 is the top choice for bundling home and auto insurance. It offers an average savings of 19%.
Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.
Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.
Bundling is usually a smart move, but sometimes it might not be the best option.

How we picked the best companies for home and auto bundling

In 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of 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 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.

Travelers

Travelers offers an average discount of $420 when you bundle your auto and home insurance, which is about 11%. Without the discount, the average cost is $3,828, but with the discount, the price drops to $3,408.

Nationwide

The average bundle discount at Nationwide is $599, or 13%. Without the bundle discount, the average cost of coverage is $4,596. After the bundle discount, that cost goes down to $3,997. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

State Farm

State Farm offers an average bundle discount of $457, which is about 10%. Without the discount, the combined cost of home and auto insurance is $4,666. After applying the discount, the total cost drops to $4,209.

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

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What 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.

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

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in Florida for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 33175 in Florida has the highest average cost for bundling home and auto insurance, at $6,859. See the top 10 most expensive ZIP codes below.

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 least expensive ZIP code in Florida for bundling home and auto insurance is 34135, with an average cost of $3,258. Here are the 10 cheapest 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 home and auto bundle insurance

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

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“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 bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

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.

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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.