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

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best 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

The average bundle discount at Travelers is $420, or 11%. Without a bundle discount, customers pay $3,828 for coverage. After the bundle discount, customers pay $3,408 on average. Travelers ranked at No. 3 in our Best Auto Insurance Companies ranking and No. 9 in the Best Home Insurance Companies ranking.

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

The 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 Florida

Bundling 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.

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?

Allstate offers the biggest percentage discount if you bundle. Travelers offers the cheapest rate overall if 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

Your 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 codes

The 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 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 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.

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.