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 Sharkey
Written bySarah Sharkey
Sarah Sharkey
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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Katie Powers
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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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
sort ascsort desc
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.
sort ascsort desc
Bundling Discount/Savings Claim
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Bundled Annual Average
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State Farm9.3Up to $1,356$5,692
Allstate8.9Up to 25%$14,301
Travelers8.5Not disclosedN/A
Progressive8.7More than 20% on average$3,272
Mile Auto8.830%–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.
$103/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.
$143/mo
4.0
Best choiceBased on 17,043 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.83.1
Value3.72.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 reviews from Florida driversSee all 7,384 State Farm reviews
Mary
Verified Review
High 5 to State Farm
I have had great customer service since I joined them almost 2 years ago, and the rate I pay is cheaper than every other insurance company that claims to be able to get me a cheaper rate. If it ain't broke, don't fix it.
Norma
Verified Review
Insured
It's okay, but I can only afford state-required coverage.
Catherine
Verified Review
Expensive
They keep raising their rates regardless of how long you have been insured by them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
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

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.
$179/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.
$249/mo
3.8
A solid optionBased on 10,206 verified driver reviews and ratings
Allstate's score
Industry average
Coverage options3.83.2
Customer service3.83.6
Discounts3.82.9
Policy transparency3.63.1
Value3.32.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Accident forgiveness
Wide availability
Cheap rates
Showing 75 reviews from Florida driversSee all 4,380 Allstate reviews
Joseph
Verified Review
I am trying to reach a comfortable amount to pay for the amount of driving I do.
Too expensive for the driving I do. I only put about 1300 miles or less on the road a year.
Mike
Verified Review
Good
Excellent service.
Alan
Verified Review
Disappointed
Low rate to start and then at 6 months, they almost doubled the rate. The company is disappointing.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
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

  • Relatively high home insurance rates

  • Poor Trustpilot rating

Travelers: Best for low homeowners rates

User Reviews
4.7
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.
$213/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.
$296/mo
4.7
Best choiceBased on 1,373 verified driver reviews and ratings
Travelers's score
Industry average
Coverage options4.63.2
Customer service4.73.6
Discounts4.32.9
Policy transparency4.63.1
Value4.22.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Numerous discounts
Gap insurance
Rideshare coverage
Showing 25 reviews from Florida driversSee all 582 Travelers reviews
Karen
Verified Review
Travelers, Just OK
The only problem I had was that they have become expensive.
Patrick
Verified Review
Dissatisfied with premium
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..
It's a great company, but not the cheapest.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
608
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
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: 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.
587
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.
$95/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.
$157/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.

Based on analysis of verified reviews collected by Insurify

Best For
Competitive rates
Easy buying process
Telematics program
Showing 75 reviews from Florida driversSee all 8,346 Progressive reviews
Michael
Verified Review
Progressive is an Honest Insurance Company
Progressive is a really good car insurance company, and this is not the first time I have used them. I found the people there to be honest and transparent. When I had an issue with a previous bank account at Charles Schwab, it was Progressive that informed me about the existence of the Early Warning Detection Services, LLC, which is a company collectively owned by major banks that can reject financial transactions without alerting the consumer. Shout out to the honesty of the people at Progressive who not only informed me but provided an address and phone number. Afterwards, they helped me set up the correct policy for my vehicle.
Victor
Verified Review
I did not have any issues with Progressive car insurance. I would recommend Progressive for car insurance.
I did not have any issues with Progressive car insurance. I would recommend Progressive for car insurance.
Jonathan
Verified Review
On the fence
They aren’t the most organized, but my policy price was almost half of what I was quoted at Progressive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
587
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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: 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.
$103/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.
$167/mo
4.5
Best choiceBased on 196 verified driver reviews and ratings
Mile Auto's score
Industry average
Coverage options4.13.2
Customer service3.43.6
Discounts4.12.9
Policy transparency4.03.1
Value4.12.9
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

Based on analysis of verified reviews collected by Insurify

Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing recent national reviewsSee all 66 Mile Auto reviews
Olanrewaju
Verified Purchase
Reasonable coverage.
So far, it has been very good.
Leroy
Verified Review
Why was I canceled?
1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
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).
NR
Why 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.

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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:

    illustration card https://a.storyblok.com/f/162273/150x150/b105bebbec/car-and-driving-96x96-gold_023-driving-test.svg

    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.

    illustration card https://a.storyblok.com/f/162273/x/31e262b593/book.svg

    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.

    illustration card https://a.storyblok.com/f/162273/150x150/25f925463d/car-and-driving-96x96-orange_033-dashboard.svg

    Low mileage

    Some insurers offer a low-mileage discount to infrequent drivers who don’t put many miles on their vehicles.

    illustration card https://a.storyblok.com/f/162273/150x150/789c6c481b/car-and-driving-96x96-green_007-driver.svg

    Defensive driver course

    In some cases, taking an approved defensive driver course can earn you a discount.

    illustration card https://a.storyblok.com/f/162273/x/d980bd9cc4/membership.svg

    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]

Sources

  1. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
  2. 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."
  3. J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction—and Drive Policy Shopping, J.D. Power Finds."
Sarah Sharkey
Written bySarah SharkeyInsurance Writer
Sarah Sharkey
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.

Featured in

media logomedia logomedia logo

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 Powers
Edited byKatie PowersLicensed P&C Agent, Senior Insurance Editor
Photo of an Insurify author
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.

Featured in

media logomedia logo

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