Best and cheapest companies for home and auto bundles in Florida

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.

Bundling home and auto insurance in Florida can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, State Farm provides the highest percentage savings, while State Farm offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within Florida.

What you need to know about bundling in Florida

Bundling allows you to purchase home and auto insurance from the same company and receive a discount on your policies.
State Farm has the highest bundle discount in Florida, averaging 15%
The largest discount doesn’t always lead to the lowest total premium
Your ZIP code within Florida can significantly impact your savings
Bundling is often more convenient and can save money, but it’s not always the cheapest option

Which companies offer the best home and auto bundles in Florida? Here’s our pick

State Farm, Progressive and Nationwide rank among the best home and auto bundle companies in Florida, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Florida:

State Farm

The average bundle discount at State Farm is $903, or 15%. State Farm offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $5,937.

Progressive

The average bundle discount at Progressive is $567, or 8%. Customers who bundle home and auto with Progressive receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $7,550.

Nationwide

The average bundle discount at Nationwide is $580, or 7%. Bundling with Nationwide means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $8,001.

People also ask:

Who has the cheapest home and auto bundle in Florida?

In Florida, State Farm offers the cheapest rates for home and auto bundle, with an average premium of $5,034.

How much can you save by bundling home and auto insurance in Florida?

On average, bundling home and auto insurance can save you about 17%, though your exact savings will depend on your coverage, location, and eligibility for discounts.

How do home and auto bundle rates compare in Florida?

Home and auto bundle rates in Florida vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

Here’s how rates and savings compare across top insurers in Florida:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A-	$3,481	$2,456	0.87	1.15	$5,034	4.36
Progressive	A+	A+	$3,929	$3,621	0.60	1.50	$6,983	3.32
Nationwide	A	A	$3,980	$4,021	0.64	1.34	$7,421	3.12

Bundle savings can vary more than you expect

Two insurers may offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in Florida?

State Farm is the most affordable option for home and auto bundles in Florida, based on total premium. On the other hand, State Farm is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

Here’s how the cheapest bundle options compare in Florida:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,456	$3,481	$5,937	$5,034
Progressive	$3,621	$3,929	$7,550	$6,983
Nationwide	$4,021	$3,980	$8,001	$7,421

Cheapest doesn’t always mean best value

Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk.

Which ZIP codes are most and least expensive in Florida?

The most expensive ZIP code for home and auto bundles in Florida is 33174, with average rates of $9,792, while the cheapest is 32612, where average premiums drop to $4,136. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten most expensive ZIP codes

The most expensive ZIP code in Florida for home and auto insurance bundling is 33174 at an average rate of $9,792.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
33174	$9,792	$1,015	9%
33167	$9,779	$1,079	10%
33142	$9,777	$1,060	10%
33160	$9,707	$1,035	10%
33149	$9,705	$970	9%
33198	$9,697	$996	9%
33165	$9,666	$1,002	9%
33175	$9,641	$1,002	9%
33183	$9,632	$987	9%
33125	$9,628	$1,039	10%

Top ten cheapest ZIP codes

The least expensive ZIP code in Florida for home and auto insurance bundling is 32612 at an average rate of $4,136.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
32612	$4,136	$530	11%
32605	$4,157	$539	11%
32606	$4,164	$542	12%
32608	$4,167	$539	11%
32607	$4,179	$540	11%
32610	$4,186	$545	12%
32653	$4,189	$543	11%
32601	$4,192	$546	12%
32603	$4,193	$546	12%
32609	$4,193	$542	11%

Location can impact your premium more than you might expect

Local risk factors such as weather exposure, crime rates and rebuilding costs can create significant price differences even within the same city. Two homes located close to each other but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is typical, check whether your ZIP code is driving it higher – and if you’re planning to move, compare insurance rates for your new address before finalizing your decision.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Florida by city

See rates in your city

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 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 3 companies and 277 ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Florida can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.

Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.

“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?

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, compare total costs, coverage details, and the insurer’s reputation. Make sure the company is licensed and offers reliable claims support, as the cheapest option may not provide the best overall value (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$4,402/Year

$2,297/Year

$3,357/Year

Show more states

You might find interesting

Explore related topics

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.