Best & Cheapest Home And Auto Insurance Bundles In Florida 2025

If you’re a Florida resident, bundling your home and auto insurance could save you hundreds — or even thousands — each year. In fact, Travelers offers the cheapest bundle in the state, with an average annual premium of $3,397.

As someone who’s worked in insurance for 15 years, I’ve helped hundreds of clients find the right balance between cost and coverage. And I’ve seen firsthand how being underinsured — especially in a high-risk state like Florida — can be devastating when the unexpected hits.

This guide breaks down the top-rated home and auto insurance bundles in Florida, backed by recent data, customer feedback, and my personal insights. You’ll learn which insurers offer the biggest discounts, where to find the best value, and what to watch for before you bundle.

Cheapest Home And Auto Bundles In Florida 2025

If you’re looking for the most affordable way to insure both your home and vehicle in Florida, Travelers currently offers the lowest average bundled rate at $3,397 per year. That’s significantly lower than most other major providers.

Here’s how the top bundle rates compare:

Takeaway:

• Travelers offers the most affordable bundle, but State Farm and Allstate are close behind and may offer stronger service or coverage options.
• Progressive’s rates are among the highest for bundles in Florida — but their unbundled rates can sometimes be more competitive, so it’s still worth checking both.

Cheapest Non-Bundle Insurance Combinations In Florida

Bundling your home and auto insurance often leads to savings — but not always. In some cases, purchasing your policies from two separate insurers can actually cost less than a bundle.

For example, residents who pair State Farm home insurance with Travelers auto insurance pay an average of just $4,340 per year — making it one of the most affordable non-bundled options in the state.

Biggest Home And Auto Bundle Discounts In Florida

Allstate provides the largest bunde discount in Florida, at 20%. On the other hand, Travelers offer the lowest discount at 6%.

Takeaway:

• Allstate leads in discount percentage, but Travelers still has the cheapest overall bundle.
• Always compare both the discount and the final premium to find the best value — some companies start with higher base rates even if they offer bigger discounts.

Benefits Of Bundling Your Insurance In Florida

Bundling your policies with the same insurer isn’t just convenient — it can lead to real financial and practical benefits, especially in a high-risk, high-premium state like Florida.

Significant Savings on Premiums

Bundling can save you up to 25% on your combined premiums, according to Experian. That’s because insurers reward customers who purchase multiple products from them — often with their biggest discounts.

Easier to Manage

Bundling means:

• One bill
• One renewal date
• One point of contact

This makes it easier to stay organized — especially if you also hold boat, flood, or umbrella policies. You’ll spend less time chasing down info and more time covered.

Better Customer Service

Bundled customers are often treated as higher-value clients. That can lead to:

• Faster claims processing
• More personalized policy advice
• Better access to multi-policy support agents

You also gain the benefit of centralized online portals or single-agent contact, which simplifies things further.

Shared Deductibles & Longer Terms

Some insurers apply one deductible if a single event damages both your home and vehicle — like a hurricane. You could also get access to 12-month auto policies (vs. standard 6-month terms), helping lock in rates and avoid mid-year hikes.

When Not to Consider Bundling Your Insurance in Florida

While bundling home and auto insurance can save you time and money, it’s not always the most cost-effective choice — especially in Florida’s complex insurance landscape. Here are the main reasons why:

You Might Pay More for One Policy

Some insurers are strong in one area but weak in another. For example, a company might offer great auto rates but overpriced home insurance. Bundling locks you into both — and you might end up overpaying for one just to save on the other.

Less Flexibility in Choosing Coverage

Each insurer has different strengths. Bundling forces you to rely on one provider for both policies, which may mean sacrificing better options available elsewhere. This is especially important if you’re picky about endorsements, claims service, or coverage limits.

You Could Miss Out on Better Deals

Bundling often encourages automatic renewals and less price shopping. That convenience comes at a cost — you could miss more competitive rates or improved coverage by not comparing separate policies at renewal.

Limited Access to Specialized Coverage

This is a big one in Florida. Many bundled policies don’t include essential add-ons like:

• Flood insurance
• Windstorm/hurricane endorsements
• Sinkhole protection

If your bundling provider doesn’t offer the coverage your home really needs, you’ll either go unprotected — or end up paying more for third-party add-ons.

Bundled Discounts Aren’t Always Better

While bundle discounts are appealing, they don’t guarantee the biggest savings. In some cases, shopping for separate policies can result in even better rates.

Example:

• Bundled savings = 12% auto + 2% home = 14%
• Unbundled savings = 10% auto + 7% home = 17%

The bottom line? It’s always worth comparing both bundled and standalone policy quotes before committing.

Average Home And Auto Insurance Rates In Florida – By City

Insurance costs can vary widely across Florida — not just by provider, but also by where you live. Below is a comparison of average monthly rates for standalone and bundled policies in 10 major Florida cities:

Takeaways:

• Miami has the highest average rates, but also the biggest bundle savings.
• Tallahassee, Pensacola, and Gainesville are the most affordable cities overall — and still benefit from modest bundling discounts.
• In most cities, bundling trims 20–35% off the combined monthly cost.