Best and cheapest companies for home and auto bundles in Florida

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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

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
State Farm offers the largest bundle discount in Florida, saving about 15%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Florida can significantly affect how much you save.
Bundling is often cheaper and more convenient, but it’s not always the best overall value.

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

State Farm, Progressive and Nationwide are among the best home and auto bundle companies in Florida, offering strong discounts, competitive bundled rates and high rankings for both auto and home insurance. The right choice for you will depend on whether you prioritize the biggest discount or the lowest final premium.

We ranked companies based on the average bundle discount they offer in both dollar and percentage terms, along with their performance in auto and home insurance rankings. Based on those criteria, these are the best companies for bundling in Florida:

State Farm

The average bundle discount at State Farm is $903, or 15%. Most State Farm policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $5,937.

Progressive

The average bundle discount at Progressive is $567, or 8%. For Progressive customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto 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?

State Farm typically provides the most affordable home and auto bundle in Florida, with average premiums around $5,034.

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

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

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 advertise similar discounts but still produce very different final premiums depending on their starting rates. Always ask for the total combined annual cost of both policies after discounts are applied – not just the discount percentage – before deciding where to bundle. The company with the biggest advertised savings isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Florida?

State Farm offers the cheapest home and auto bundle in Florida, with the lowest overall premium. If you’re looking to maximize savings through discounts, State Farm provides the highest percentage reduction.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest total cost or the largest discount.

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 bundled home and auto insurance in Florida is 33174, with average rates of $9,792, while the least expensive is 32612, where premiums drop to $4,136. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing both base premiums and available discounts.

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%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

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. We also reviewed bundle discount percentages based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 3 companies and 277 ZIP codes.

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. May 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

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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.