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Bundling home and auto insurance can make managing your insurance needs much easier. For starters, bundling coverages can earn you a discount, which might make it easier to fit your insurance costs into your budget. Beyond the savings, working with a single insurer creates less paperwork to keep up with.
In Florida, it’s especially important to have sufficient coverage for your vehicle and home, due to the state’s climate risks.
Here’s what you should know about bundling home and auto insurance in Florida.
Quick Facts
Many car insurance companies offer a suite of discount opportunities in addition to savings for bundling, including good driver, good student, loyalty, paid-in-full, and paperless discounts.
Although bundling home and auto insurance is most common, bundling other types of coverage with your auto insurance — like condo, renters, or boat insurance — can lead to savings.
Not all insurance companies offer bundling discounts.
Best home and auto insurance companies in Florida
Not all insurance companies offer the same opportunities to drivers and homeowners. While the right company for you varies based on your situation, the companies highlighted below consistently offer a worthwhile bundling option for drivers.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Bundling Discount/Savings Claim
Bundled Annual Average
State Farm
9.3
Up to $1,356
$5,692
Allstate
8.9
Up to 25%
$14,301
Travelers
8.5
Not disclosed
N/A
Progressive
8.7
More than 20% on average
$3,272
Mile Auto
8.8
30%–40% due to low-mileage driving
$1,037–$1,210
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$109/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo
4.1
Best choiceBased on 11,839 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,249)
Theresa
Verified Review
Old and Tired
Reviewed in Georgia on October 2025
I had my motor replaced and was without my car for four months, and my rates increased by 30%.
Lorraine
Verified Review
Experience with CO
Reviewed in Nevada on October 2025
Excellent company, but too pricey!
Luis
Verified Review
Excellent service, but pricey
Reviewed in Maryland on October 2025
It’s been very good. I’ve never had to file a claim, so I can’t rate their claims handling. It’s pricey. Costs have been rising every year despite my excellent driving record and aging car.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Bundling discount: Up to $1,356 in average savings
With more than 100 years in the insurance business, State Farm has built a reliable reputation across the U.S. Beyond a good reputation, State Farm consistently offers relatively cheap auto insurance rates to drivers in the Sunshine State.
Pros
AM Best financial strength rating of A++ (Superior)
Relatively low car insurance rates
Rideshare insurance available
Cons
Below-average J.D. Power claims satisfaction rating for home insurance
Gap insurance not available
Bundling discount amount varies based on your situation
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$190/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$202/mo
3.9
A solid optionBased on 7,219 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,775)
Robert
Verified Review
Great company
Reviewed in Arkansas on October 2025
Exceptional
Gregory
Verified Review
High rates, mediocre service
Reviewed in Indiana on October 2025
A theft claim for antique bicycles led to nearly a full year of back-and-forth claims handling with Allstate, often with new handlers. The claim was often referred to other specialists for review who had to start over from scratch. Their rates do not reflect the level of service.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company
Bundling discount: Up to 25%
Allstate offers you the chance to save up to 25% when you bundle your home and auto insurance. Allstate offers relatively affordable car insurance rates in the state, but Floridians face high home insurance premiums. Bundling both coverages with Allstate could help you save on coverage overall.
Pros
AM Best financial strength rating of A+ (Superior)
Pay-per-mile option available
Relatively low auto insurance rates
Cons
Below-average J.D. Power customer satisfaction rating for home insurance
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.