5 Best Home and Auto Insurance Bundles in Florida (2026)
State Farm, Allstate, and Progressive each offer worthwhile bundling opportunities to Floridians.
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Sarah SharkeyInsurance Writer
7+ years writing insurance and personal finance content
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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
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 is based on real-time Florida quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
State Farm: Best overall
| User Reviews | 4.0 |
|---|---|
| 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. | 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. | $106/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 |
4.0
Best choice in FloridaBased on 16,442 verified driver 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 in Florida 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 in Florida for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 reviews from Florida drivers - See all 7,288 State Farm reviews
Jacquelyn
Verified Review
Evaluation
Reviewed in Florida on March 23, 2026
My local agent is great. The national level, not so much. I was in an accident two years ago and was told I would get no help from your company even though I was not at fault and the other driver was cited. I never got reimbursed for my expenses to get home to Florida from Virginia.
Barbara
Verified Review
Competitors Admit They Can’t Compete with SF Prices
Reviewed in Florida on March 22, 2026
Tap into discount advantages, open to questions, respectful, responds in a timely manner, knowledgeable.
Rebscca
Verified Review
State Farm
Reviewed in Florida on March 22, 2026
The folks at the State Farm office are awesome. However, the insurance is way too expensive.
Linda
Verified Review
Reasonable Rates
Reviewed in Florida on March 21, 2026
My current rate is much more reasonable than other companies.
Troy
Verified Review
Great service, price is a little high
Reviewed in Florida on March 21, 2026
It's a little expensive.
Karen
Verified Review
Keep looking!
Reviewed in Florida on March 21, 2026
I worked for State Farm for 27 years. I don’t like change and I have stuck with them even after retirement. I don’t do much with my car insurance and just pay the prices. My problem would be with my homeowners after making changes to my house that I thought would lower my prices. It did not happen and I am quite disappointed about that because I put a lot of money out of my own pocket. Enough said.
Susan
Verified Review
It's been great
Reviewed in Florida on March 17, 2026
They're great, but a little expensive.
Nancy
Verified Review
Excellent
Reviewed in Florida on March 16, 2026
Excellent customer service.
Nannette
Verified Review
Review
Reviewed in Florida on March 13, 2026
Last year was okay, but I have not received my bill for this year. If it keeps going up, I will have to find another insurer. I am a senior on Social Security.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Allstate: Best for low auto rates
| User Reviews | 3.8 |
|---|---|
| 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. | 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. | $185/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 |
3.8
A solid option in FloridaBased on 9,834 verified driver 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 in Florida 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 in Florida for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 reviews from Florida drivers - See all 4,330 Allstate reviews
Donald
Verified Review
Too Little Too Late from Allstate
Reviewed in Florida on March 20, 2026
I’m no longer with Allstate. I switched to State Farm 2 years ago, who gave me a much better rate.
Miguel
Verified Review
Overall I rated Allstate 3.5 out of 5
Reviewed in Florida on March 18, 2026
I think customers must be informed of their options without reservation and not just focus on the bottom line for the company or representative. If a customer qualifies for a much lower rate according to all established rules, then why not go over it with the customer, explaining the details?
Gregory
Verified Review
Help from Rosa
Reviewed in Florida on March 17, 2026
Great, the agent I spoke with, Rosa, helped me and did a great job. She answered all my questions and was very polite and knowledgeable.
Sandra
Verified Review
Great Insurance Company
Reviewed in Florida on March 12, 2026
I have had Allstate since 1973, so I am really happy with my policy. No one else seems to meet the coverage and price.
Leslee
Verified Review
Basically satisfied with policy.
Reviewed in Florida on March 2, 2026
The experience has been very good; however, we feel like we need a policy that is more cost-effective.
Kenneth
Verified Review
Smug People Working in One Office
Reviewed in Florida on March 2, 2026
Allstate has a terrible crew. I never see the owner of the place, a smug guy that I don’t trust. Their prices are exceptionally high for nothing gained. I'm ready to find a new company to give my business to.
Joseph
Verified Review
Rising Rates, Zero Loyalty Considerations
Reviewed in Florida on March 1, 2026
They have been a good company for paying out on claims, but loyalty gets nothing in consideration to rates. I have been with them since 1982 and my rates are through the roof. They are always raising and NEVER offering a lower rate. I’m curious how much of my rate goes to agent commission.
Dan
Verified Review
Best Price
Reviewed in Florida on February 25, 2026
Best price.
Erica
Verified Review
Not great
Reviewed in Florida on February 16, 2026
They're okay. I was not successful in getting a better cost even though I've been with them for many years.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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
Relatively high home insurance rates
Poor Trustpilot rating
Travelers: Best for low homeowners rates
| User Reviews | 4.6 |
|---|---|
| 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. | 8.5 /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. | $220/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. | $240/mo |
4.6
Best choice in FloridaBased on 1,325 verified driver reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Numerous discounts
Gap insurance
Rideshare coverage
Showing 25 reviews from Florida drivers - See all 573 Travelers reviews
Patrick
Verified Review
Dissatisfied with premium
Reviewed in Florida on March 12, 2026
I am paying way too much for my policy. I’m retired, have no claims, no tickets, and I’m paying way too much through Travelers. If the policy amount is not reduced, I will go to someone else.
June-Ann
Verified Review
Good but..
Reviewed in Florida on March 10, 2026
It's a great company, but not the cheapest.
Glenn
Verified Review
Check Your Coverage Needs and Wants
Reviewed in Florida on March 1, 2026
Check all the coverage. Cheaper rates sometimes mean less or no coverage for some items.
John
Verified Review
Florida Auto Insurance is High!
Reviewed in Florida on February 25, 2026
Auto insurance in Florida is high to begin with, so shop around with several companies.
William
Verified Review
No loyalty at all
Reviewed in Florida on February 20, 2026
Increases premium every renewal.
John
Verified Review
My Experience, Maybe Not Yours
Reviewed in Florida on February 11, 2026
Travelers does not bother you, gives a one-year policy, and has no middleman to take some of your money.
Paul
Verified Review
OK, Not great.
Reviewed in Florida on February 9, 2026
It is fine. They just reduced my premium.
Jose
Verified Review
AAA+++
Reviewed in Florida on January 23, 2026
Superb customer service and excellent response during the claims process.
William
Verified Review
Always wanting more money
Reviewed in Florida on January 19, 2026
Expect an increase in premiums every 6 months regardless of your driving record.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.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: Not disclosed
Travelers offers Florida homeowners the lowest average home insurance rates alongside auto insurance rates that fall below the state average. The company offers Floridians the opportunity to bundle home and auto insurance, which can increase savings.
And Florida drivers can potentially save up to 30% more on auto coverage through IntelliDrive, the company’s telematics program.
Pros
AM Best financial strength rating of A++ (Superior)
Bundling discount available
Ample additional discounts, including a green home discount
Cons
Bundling discount amount not disclosed
Below-average J.D. Power claims satisfaction rating for home insurance
Poor Trustpilot rating
Progressive: Best for discount opportunities
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | 8.7 /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. | $135/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. | $176/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Competitive rates
Easy buying process
Telematics program
Showing 75 reviews from Florida drivers - See all 8,238 Progressive reviews
Kevin
Verified Review
Unfair Premiums
Reviewed in Florida on March 24, 2026
It took weeks to resolve our claim back in October. I don’t appreciate my policy doubling in price. My wife and I drive no more than 3,000 miles a year each and are paying $3,465 annually. I don’t live in a flood zone, and our cars are in the garage.
Scott
Verified Review
Not Progressive, Run Away
Reviewed in Florida on March 23, 2026
Progressive is the most expensive and offers the lowest coverage. Plus, their roadside service is unreliable when you need help.
Jacobo
Verified Review
Skyrocket Policy
Reviewed in Florida on March 23, 2026
Try not to have accidents because the policy goes up a lot.
Jill
Verified Review
Excellent
Reviewed in Florida on March 18, 2026
I really like Progressive. They have a nice attitude.
Sandra
Verified Review
Too expensive compared to State Farm
Reviewed in Florida on March 15, 2026
I find this insurance carrier too expensive. I'm paying monthly way more than I did with State Farm, where I had full coverage.
Stephen
Verified Review
Don't Expect Discounts from a Flawed Program
Reviewed in Florida on March 14, 2026
The Snapshot program that is intended to get drivers discounts is fundamentally flawed. While I believe the intent of the Snapshot program is to encourage positive behavioral change, I find its execution—particularly the plug-in device with audible alerts—to be fundamentally flawed. My concerns focus on the audible alerts triggered during what the system classifies as “unsafe” driving events, most notably “hard braking.” During my participation in the program, I received multiple audible alerts attributed to hard braking. Upon reviewing the corresponding reports in the Snapshot mobile application, I observed that these alerts were recorded as hard-brake incidents. Because the application does not provide a data export function, I manually copied the event data to conduct my own review. In reviewing the overall data, approximately 90% of my recorded driving time resulted in a “Great job!” assessment within the application. Despite this, I was informed that my driving behavior placed me at risk for a premium increase. And yes, my premium has been increased despite having a clean and accident-free driving record.
Barbara
Verified Review
I was initially given a lower quote, but it has periodically increased despite my choosing lower coverage.
Reviewed in Florida on March 10, 2026
I was initially given a lower quote, but it has periodically increased despite my choosing lower coverage.
Robert
Verified Review
Finding Auto Insurance
Reviewed in Florida on March 8, 2026
When your insurance is due, unless you are extremely content, check with a few other places. If your insurance goes up for no apparent reason, check with your company or agent you are dealing with to find out why. If you find the same coverage cheaper elsewhere, before changing, again, contact your agent or company and see if they can match or do better. And always, look at the reviews of an agent or company before deciding. There are good and bad, and many to choose from, so try not to make a bad decision.
Larry
Verified Review
Review Claim Handled
Reviewed in Florida on March 8, 2026
The claim was handled with efficiency.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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: More than 20% on average
Progressive offers a discount for drivers who bundle their home and auto insurance, with an average discount of more than 20%. Beyond bundling, Progressive offers a long list of discounts that could help you save on the coverage you need. Drivers can save with discounts for continuous insurance, safe driving, owning a home, and more.
Pros
Many discounts available
Relatively low home insurance premiums
Offers accident forgiveness
Cons
Relatively high auto insurance premiums
Above-average number of customer complaints with the National Association of Insurance Commissioners (NAIC)
Below-average J.D. Power customer service ratings for home insurance
Mile Auto: Best for low-mileage drivers
| User Reviews | 4.5 |
|---|---|
| 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. | 8.8 /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. | $129/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. | $169/mo |
4.5
Best choice in FloridaBased on 193 verified driver reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing 3 reviews from Florida drivers - See all 66 Mile Auto reviews
Laura
Verified Review
Hindsight, y'all…
Reviewed in Florida on November 30, 2025
At first, it wasn’t so bad because my brother didn’t really do much driving, but as he started getting out and exploring, the bills got higher and higher. Many months we couldn’t get the app to work, and we would get stuck paying the max miles per month fee, and I would get a bill over $200! I can’t handle that anymore, so I’m looking for better rates.
Mark
Verified Review
Mile Auto Insurance
Reviewed in Florida on September 4, 2025
Don't buy Mile insurance if you drive great distances, i.e., 400 miles or more.
Janet
Verified Review
Mile Auto Insurance is Great
Reviewed in Florida on April 8, 2025
They are the most reasonable carrier. I've checked 15.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.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).
NRWhy we picked this company
Bundling discount: 30% to 40%
Infrequent or low-mileage drivers who don’t want to overpay for coverage can consider a policy through Mile Auto. The company doesn’t sell home insurance, but it does offer a notable car insurance discount.
The company says low-mileage drivers can save between 30% and 40% off of current rates. But Mile Auto has frequent customer complaints, which might make you prioritize other insurers instead.
Pros
Relatively low costs for low-mileage drivers
Doesn’t track your driving behavior
Multiple coverage options
Cons
Must manually report your mileage each month
Mixed customer feedback
Frequent drivers won’t find savings
Our editorial team analyzed regional and national auto insurance companies that sell policies in Florida to assess which offer the best rates, coverage options, customer service, and savings to customers. We prioritized competitive rates, homeownership discounts or bundling options, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, and specialty or supplemental coverages.
How bundling saves Florida drivers money
Many insurance companies offer a discount when you buy more than one type of insurance product. For example, buying your home and auto insurance policies through the same insurer can lead to a discount. Other types of insurance products with potential bundling discounts include life insurance, renters insurance, boat insurance, and more.[1]
Should you bundle your home and auto insurance?
The potential to save money is the main advantage of bundling your home and auto insurance policies. Beyond helping you save on coverage, bundling can also make managing your insurance policies easier. Dealing with bundle coverage through a single company can simplify and streamline your insurance needs.
But bundling isn’t always the right fit. For example, you may find more affordable options by keeping your policies separate. In that case, bundling won’t lead to savings.
Find Cheap Home and Auto Insurance in Florida
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More auto insurance discounts for Florida drivers
Bundling discounts aren’t the only way to save money. Many insurers offer Florida drivers multiple ways to save, including:
Good driver
If you have a clean driving record free of moving violations like speeding tickets or accidents, many insurers may offer you a discount.
Alumni
If you’ve graduated from certain Florida colleges, some insurers offer alumni discounts. For example, Liberty Mutual offers a discount for drivers who graduated from Florida State University.
Low mileage
Some insurers offer a low-mileage discount to infrequent drivers who don’t put many miles on their vehicles.
Defensive driver course
In some cases, taking an approved defensive driver course can earn you a discount.
Loyalty
While shopping around can help you find the cheapest rates for your situation, some insurers offer loyalty discounts that could make sticking around worthwhile.
You should always confirm with your insurer what discounts you qualify for before finalizing your policy. If you aren’t sure, don’t hesitate to ask about your eligibility for a discount.
More homeowners insurance discounts for Florida drivers
Beyond bundling discounts, some insurance companies offer the following discounts to help you save on your home insurance premiums:
Retiree: Some insurance companies offer a discount to retirees.
Security system: Installing a security system can help protect your home and lead to a discount.
Claims free: If you avoid making a claim for several years, you might earn a discount on your premiums.
Payment method: Some insurers offer a discount when you pay for the policy in full or sign up for automatic payments.
Loyalty: If you stick with the same insurer for years, you might receive a discount.
New home buyer: Buying a relatively new house can earn you a discount on your insurance premiums.
Finding discounts could help you tap into significant savings for your home insurance policy.
Best home and auto insurance in Florida FAQs
The following answers may help answer your remaining questions as you explore your home and auto insurance options in Florida.
What is the best home and auto insurance in Florida?
Some of the companies offering the best home and auto insurance in Florida include State Farm, Travelers, Allstate, and Progressive. But the right insurer for you will vary based on your situation and insurance needs.
What is the cheapest home and auto insurance bundle in Florida?
Although rates vary based on your situation, many Floridians find the cheapest auto and home insurance options through Travelers, GEICO, and State Farm.
Why is my home insurance so high in Florida?
Compared to the national average, home insurance costs in Florida are very expensive. Some reasons for these elevated rates include a higher frequency of natural disasters and the state’s legal system.[2]
How much is home insurance on a $300,000 house in Florida?
Home insurance with $300,000 in dwelling coverage and a $1,000 deductible costs an average of $10,996 per year in Florida.
Is it really cheaper to bundle home and auto insurance?
It depends. In some cases, it’s cheaper to bundle your home and auto insurance. But it’s not always cheaper. You’ll need to shop around to find the most affordable rates for your unique situation.
Which home insurance company has the highest customer satisfaction in Florida?
Chubb earned the highest customer satisfaction rating in Florida in the J.D. Power 2024 U.S. Home Insurance Study.[3]
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Sources
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Insurance Information Institute. "Triple-I: Home Insurance Premiums in Florida Increased 80% Less in 2023 Than Initial Projections Due in Large Part to Legislative Legal System Abuse Reforms."
- J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction—and Drive Policy Shopping, J.D. Power Finds."
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Sarah SharkeyInsurance Writer
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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