I'm a little puzzled - I just renewed my auto insurance on two vehicles. USAA was twice as much as the other three I contacted. Allstate was one, and State Farm too, and USAA was double quote for same coverage. Not sure if state matters as we live in Florida as a home residence, and own a home here. We're not full-timers, but we do travel a bit in Chevy with Truck Camper ... but not even towing.
USAA also told us it does NOT offer home insurance in Florida at all -- We were renewing both for the coming year.