Below are our picks for the best home and auto insurance bundling companies in Florida:
Best Home and Auto Insurance in Florida
Updated: April 3, 2025
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Key Takeaways
Travelers, State Farm and Nationwide are the top home and auto insurance companies in Florida.
Travelers offers the best home and auto insurance discount, with savings of 11% on auto and 12% on home insurance.
Floridians pay an average of $4,278 annually for home and auto insurance, 38% more than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Florida?
| Nationwide | 95 | $3,940 | $405 |
| State Farm | 89 | $3,822 | $359 |
| Travelers | 86 | $3,064 | $375 |
| Allstate | 72 | $5,409 | $764 |
| Progressive | 62 | $5,155 | $482 |
Travelers: Best Cheap Home and Auto Insurance in Florida
Travelers offers the lowest home and auto insurance rates in Florida, with bundling discounts of 11% on auto and 12% on home insurance. Additional savings include IntelliDrive, a usage-based program for safe drivers. Travelers also holds an A++ financial stability rating from AM Best.
| Auto | $2,327 | $277 | 11% |
| Home | $737 | $98 | 12% |
State Farm: Best Home and Auto Insurance Customer Experience in Florida
State Farm offers Florida’s second-most affordable home and auto insurance rates, with discounts like Drive Safe & Save and programs for young drivers. It ranks second in auto and seventh in home insurance satisfaction, according to J.D. Power, reflecting excellent customer service.
| Auto | $2,046 | $265 | 11% |
| Home | $1,775 | $94 | 5% |
Nationwide: Best Home and Auto Insurance Coverage in Florida
Nationwide may not have the lowest rates for home and auto insurance, but it offers several ways to save, like its Drivewise program, which can give up to 40% off. Unique coverage options include a disappearing deductible, accident forgiveness and protection for home equipment breakdowns.
| Auto | $2,409 | $293 | 11% |
| Home | $1,531 | $112 | 7% |
Florida Home and Auto Insurance Cost
Florida's average monthly home and auto insurance cost is $357, above the national average of $258. Monthly rates vary by provider, ranging from $255 to $451.
| Florida home and auto insurance bundle | $4,278 | $-1,184 | 38% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Florida Home and Auto Insurance Quotes Without Bundling
Research shows bundling home and auto insurance in Florida saves money, but your quotes may vary. Here are the average costs of coverage combinations from our top providers without bundling, listed from cheapest to most expensive.
| State Farm | Travelers | $3,147 |
| Nationwide | Travelers | $3,537 |
| State Farm | Nationwide | $3,955 |
| Progressive | Travelers | $4,232 |
| Travelers | Nationwide | $4,247 |
| Travelers | State Farm | $4,472 |
| Allstate | Travelers | $4,497 |
| State Farm | Progressive | $4,553 |
| Nationwide | State Farm | $4,571 |
| State Farm | Allstate | $4,824 |
| Travelers | Progressive | $4,845 |
| Nationwide | Progressive | $4,943 |
| Progressive | Nationwide | $5,040 |
| Travelers | Allstate | $5,115 |
| Nationwide | Allstate | $5,214 |
| Progressive | State Farm | $5,265 |
| Allstate | Nationwide | $5,305 |
| Allstate | State Farm | $5,530 |
| Allstate | Progressive | $5,903 |
| Progressive | Allstate | $5,908 |
Should I Bundle Home and Auto Insurance in Florida?
For Florida drivers, it's often cheaper to bundle home and auto insurance than to buy each separately. However, you should still evaluate your coverage needs and financial situation to determine your best option.
Bundling discounts save you more than individual policies
In Florida, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $3,147, while bundling brings it down to $3,064.
Bundling makes policy management convenient
Bundling your insurance allows handling everything through a single account for simplicity and convenience.
In rare cases, it might be better not to bundle in Florida
Choosing separate policies might not save you money but can offer more flexible coverage options.
Best Auto and Home Insurance in Florida: Bottom Line
In Florida, Travelers, State Farm, and Nationwide are top choices for bundling home and auto insurance. Bundling can save you money compared to buying separate policies. Still, it's a good idea to compare quotes from different companies to find the best deal for you.
Home and Auto Insurance in Florida: FAQ
Find expert answers to common questions about Florida home and auto insurance here:
Who has the best home and auto insurance in Florida?
Travelers is the best home and auto insurance company in Florida, but State Farm leads in customer satisfaction. Nationwide provides the most coverage options in the state.
Who has the cheapest home and auto insurance in Florida?
Travelers offers the most affordable home and auto insurance bundle in Florida, with an annual premium of $3,064. Customers can save an average of $375 annually compared to the state average.
How much does home and auto insurance in Florida cost on average?
In Florida, the average cost of bundling home and auto insurance is $4,278, about 38% higher than the national average. The cheapest bundle is $3,064 with Travelers, while the most expensive is $5,409 with Allstate.
Is bundling home and auto insurance cheaper in Florida?
Bundling home and auto insurance is usually cheaper in Florida. However, make sure the coverage provides sufficient protection.
Best Auto and Home Insurance Bundle in Florida: Our Methodology
Bundle Scoring System
MoneyGeek calculated home and auto insurance rates using data from the Florida Office of Insurance Regulation and Quadrant Information Services. Customer satisfaction ratings from AM Best and J.D. Power were also factored in, along with bundle discounts.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Florida
MoneyGeek’s typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Florida
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.