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 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. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: October 1, 2025 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 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.TravelersTravelers 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.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 FarmState 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.ProgressiveProgressive offers an average bundle discount of $556, or 9%. The average rate for coverage before the discount is $6,548, and with the discount, it’s reduced to $5,992.Compare home and auto bundles in FloridaBundling 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.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%55.18Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now What company offers the cheapest home and auto bundles in Florida?Allstate offers the biggest percentage discount if you bundle. Travelers offers the cheapest rate overall if you bundle.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$6,763Powered by:Most and least expensive ZIP codes for home and auto insurance bundles in FloridaWhere 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 codesThe most expensive ZIP code in Florida for home and auto insurance bundling is 33175 at an average rate of $6,859. See the 10 most expensive ZIP codes below.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%Powered by:Least expensive ZIP codesThe 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 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%Powered by: 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. 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 Average car insurance cost in FloridaCar insurance calculator for teens in FloridaCheapest SR-22 insurance in FloridaDo you need insurance to register a car in Florida?Florida car insurance calculatorHow long does a speeding ticket stay on your record in FloridaHow much car insurance costs in Florida vs. New JerseyHow much car insurance costs in Florida vs. New YorkHow much car insurance costs in Florida vs. North CarolinaHow much car insurance costs in Florida vs. TexasHow much is gap insurance in FloridaLow-cost car insurance in FloridaNon-owner car insurance in Florida: Which company has the cheapest rates?The best, cheapest car insurance in FloridaShow more Chris KissellContributing 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.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/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 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 home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330