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 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 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 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.

Allstate

The average bundle discount at Allstate is $1,573, or 19%. Before the bundle discount is added, the average cost of home and auto insurance is $8,336. After getting a bundle discount, the cost drops to $6,763. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

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

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

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 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 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 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.

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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.