Our editorial team analyzed regional and national auto insurance companies that sell policies in Texas 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.
Bundling home and auto insurance can simplify your coverage, lower your premiums, and make managing your policies easier. In Texas, many insurance companies offer discounts for bundling, but rates and service vary.
This guide compares five top bundling options to help you compare companies and choose the best fit for your needs.
Best home and auto insurance companies in Texas
Below are the five best home and auto insurance companies for bundling in Texas. Each company’s Insurify Quality (IQ) Score and availability is included. You’ll also find the average bundling discount and typical annual cost when bundling policies.
State Farm: Best overall
Mercury: Best for low auto rates
USAA: Best for customer service
Allstate: Best for low-mileage drivers
Nationwide: Best for low homeowners rates
How bundling saves Texas drivers money
Bundling combines two or more insurance policies, such as home and car insurance, under one insurance company. Many insurance companies offer discounts on one or both policies when you buy two or more policies from them.3
In Texas, you can bundle renters, condo, or motorcycle insurance with your auto policy to unlock additional discounts.
Should you bundle your home and auto insurance?
Bundling offers convenience, potential savings, and streamlined policy management. It’s often a good fit for homeowners who want to simplify their insurance and save money. But it’s not always the best deal. For example, drivers with poor records might find cheaper car insurance from another company, even if it means losing the bundling discount.
More auto insurance discounts for Texas drivers
Many car insurance companies offer discounts you can combine with bundling to lower your overall premium. These savings can be especially valuable if you have higher car insurance rates in urban areas, like Dallas and Houston, or extreme weather risks in areas like Galveston.
Ask your insurer about the following potential car insurance discounts:
If you think you qualify for a discount, ask your insurance agent directly. It’s also a good idea to compare quotes from multiple insurance companies that serve your area.
More homeowners insurance discounts for Texas drivers
Most home insurance companies in Texas offer discounts that stack with your bundle savings. These discounts reward home upgrades and long-term loyalty, so they’re helpful for homeowners who want to manage rising home insurance costs.
Loyalty discount: You may save money by staying with the same insurance company for multiple years.
New home discount: This discount applies to recently built homes, which tend to have fewer claims.
Protective device discount: Insurance companies may offer a discount if you install smoke detectors, deadbolts, burglar alarms, or a sprinkler system.4
Claim-free discount: This discount is available for policyholders with no recent claims on their record.
Retiree or senior discount: Insurers may provide a discount for retirees, who are home more often and more likely to catch issues early.
Roof upgrade discount: You may get a discount if you install a new roof — especially if it’s rated for wind or hail resistance.
Ask your insurance agent which home insurance discounts you qualify for, or compare home insurance quotes online to find the best offer.
Best home and auto insurance in Texas FAQs
If you’re considering bundling your home and auto insurance in Texas, you likely have a few questions. The additional information below can help you make an informed choice.
What is the best home and auto insurance in Texas?
The best insurance company depends on your specific needs, but State Farm is a strong overall pick thanks to its balance of affordability, customer service, and wide availability across Texas. It also offers competitive bundling discounts and local agent support.
What is the cheapest home and auto insurance bundle in Texas?
State Farm offers the most affordable home and auto insurance bundle in Texas, on average, according to Insurify data.
Why is my home insurance so high in Texas?
Homeowners insurance can be expensive in Texas. Depending on your location, hail, hurricanes, and other severe weather events can increase premiums. Rising construction costs also contribute to higher insurance rates.
How much is home insurance on a $300,000 house in Texas?
Home insurance on a $300,000 house in Texas with a $1,000 deductible averages $4,456 per year. Your rate may be higher or lower depending on your home’s age, your ZIP code, and the coverages you select.
How much does Allstate home insurance cost in Texas?
Allstate’s average home insurance premium in Texas is $5,462 per year for $300,000 in coverage and a $1,000 deductible. Prices vary depending on the age and condition of your home, your coverage limits, and whether you qualify for discounts like bundling, setting up automatic payments, or being claims-free.
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