5 Best Home and Auto Insurance Bundles in Texas (2026)

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.

Insurance Company	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.	Bundling Discount/Savings Claim	Bundled Annual Average
State Farm	9.3	Up to $1,356	$3,342
Mercury	7.5	Up to 14% off auto and 18% off homeowners	$4,479
USAA	9.1	Up to 10%	$4,714
Allstate	8.9	Up to 25%	$4,855
Nationwide	9.0	Up to 15%	$5,754

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

State Farm: Best overall

Best overall

Compare Quotes

User Reviews	4.0 7,229 reviews
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.	$57/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.	$101/mo

Hide Details

Driver Reviews

4.0

Best choice in TexasBased on 16,107 verified driver reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Customer service

Competitive rates

Discounts for safe drivers

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 reviews from Texas drivers - See all 7,229 State Farm reviews

Michael

Verified Review

State Farm is overpriced and customer service from agent is lacking

Reviewed in Texas on March 14, 2026

Poor response to billing questions. It takes a week to get answers. Charged a late fee when no bill was received.

Steven

Verified Review

Used to be great

Reviewed in Texas on March 11, 2026

They raise the monthly rate without letting you know. They just keep raising my rate, and no one will tell me why.

Johnny

Verified Review

Not worth the money.

Reviewed in Texas on March 7, 2026

The customer service agent is very rude, and the premiums are way too high for the coverage I wanted. They ask questions that have no regard to price.

Gordon

Verified Review

Too High Monthly Payments

Reviewed in Texas on March 5, 2026

The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.

Arturo

Verified Review

Expensive Insurance

Reviewed in Texas on March 4, 2026

The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.

Tina

Verified Review

Price is too high

Reviewed in Texas on March 4, 2026

I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.

William

Verified Review

The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.

Reviewed in Texas on March 2, 2026

The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.

Paul

Verified Review

Helpful agents over the 60 years of having coverage with State Farm.

Reviewed in Texas on March 1, 2026

I have not had any claims in recent years. No problems over the years when there was a claim.

Percy

Verified Review

Excellent service and coverage

Reviewed in Texas on February 28, 2026

Excellent, friendly, and professional.

Previous

1234…25

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

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: While State Farm doesn’t advertise a specific discount percentage, a 2024 survey of new policyholders found that customers saved up to $1,356 when bundling home and auto insurance.

State Farm stands out as the best overall choice for bundling home and auto insurance in Texas. The company is recognized for customer satisfaction, financial strength, a wide network of local agents, and competitive pricing.

State Farm also offers several discounts on home and auto policies that might appeal to Texas customers. For example, homeowners receive discounts for installing home security devices or upgrading their property with weather-resistant building materials. And Texas drivers may qualify for discounts when they buy cars with advanced safety features and anti-theft devices.

Pros

• Many agents across Texas

• Above-average customer satisfaction ratings from J.D. Power

• Homeowners discounts for using impact-resistant roofing products and installing fire, smoke, or burglar alarms

Cons

• Rates can be higher for customers with past claims

• In high-risk areas, homeowners policies may require higher deductibles

• No live chat customer service

Mercury: Best for low auto rates

low auto rates

Compare Quotes

User Reviews	4.0 318 reviews
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.	7.5 /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.	$111/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.	$171/mo

Show Details

Driver Reviews

4.0

Best choice in TexasBased on 633 verified driver reviews and ratings

How drivers feel about Mercury

Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Competitive rates

Rideshare drivers

Numerous discounts

How drivers feel about Mercury

Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Competitive rates

Rideshare drivers

Numerous discounts

Showing recent national reviews - See all 318 Mercury reviews

Branden

Verified Purchase

Do not choose Mercury!

Reviewed in Arizona on March 13, 2026

Low payouts for claims even with full coverage. Too much red tape. Delayed communication from staff.

Leonard

Verified Purchase

They are okay, but people can still check prices

Reviewed in Georgia on March 12, 2026

Still too high for my car.

Fr

Verified Review

Less Expensive

Reviewed in California on March 11, 2026

Unsurpassed affordability.

Previous

1234…13

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

596

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.95

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 14% off auto policy and 18% off homeowners policy

Mercury is a good choice for Texas drivers who prioritize affordability. The company offers some of the lowest average rates for car insurance in the state, affordable home insurance rates, and a generous bundling discount. This makes it a practical choice for budget-conscious households.

Mercury customers can save money if they live in a gated community, install protective devices (such as smoke alarms, burglar alarms, or deadbolts), or use fire-resistant construction materials. Car insurance discounts are available for maintaining a clean driving record, insuring multiple vehicles on the same policy, and installing anti-theft devices.

Pros

• 24/7 claims hotline

• Gap insurance, rental car reimbursement, and custom equipment coverage add-ons

• Discounts for paying in full, good grades, and safe driving

Cons

• Below-average J.D. Power customer satisfaction ratings for homeowners insurance

• Homeowners coverage options may be less extensive than some competitors

• Customer service can vary depending on your independent agent

USAA: Best for customer service

customer service

Compare Quotes

User Reviews	4.9 1,492 reviews
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.	9.1 /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.	$102/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.	$180/mo

Show Details

Driver Reviews

4.9

Best choice in TexasBased on 3,194 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Members of the military community

Outstanding customer service

Competitive rates

Showing 55 reviews from Texas drivers - See all 1,492 USAA reviews

Charles

Verified Review

Sparks's Review

Reviewed in Texas on March 8, 2026

They are a good company and provide excellent customer service, but they have increased their prices so much! That is my reason for leaving them. We have had them for over 40 years!

Paul

Verified Review

Discount Restrictions

Reviewed in Texas on February 22, 2026

I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.

Alex

Verified Review

Poor

Reviewed in Texas on February 19, 2026

Be careful because they were raising rates on us.

Harvey

Verified Review

Overall Outstanding Service

Reviewed in Texas on February 18, 2026

Excellent and professional service. My minor complaint is that it is somewhat expensive.

William

Verified Review

Excellent

Reviewed in Texas on February 16, 2026

Great service, expensive.

Laura

Verified Review

25+ Years, Only 1 Small Claim

Reviewed in Texas on February 8, 2026

I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.

Edward

Verified Review

What happened to USAA Customer Service?

Reviewed in Texas on January 29, 2026

USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.

Richard

Verified Review

One claim, handled fairly reasonably, but sharp increases each year.

Reviewed in Texas on January 27, 2026

Pricey increases annually, especially in home coverage.

Jerry

Verified Review

USAA EXPERIENCE: Been a member for over 50 years and never disappointed.

Reviewed in Texas on January 27, 2026

Excellent member since 1972.

Previous

1234…19

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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 10%

USAA is known for its exceptional customer service. It earned the highest overall customer satisfaction score in home and auto insurance in recent J.D. Power surveys.^{[1] [2]} For military members, veterans, and their families, bundling home and auto insurance with USAA means reliable coverage and personalized assistance when making policy changes or filing a claim.

Texas is home to several military bases, and armed services members can benefit from USAA’s discounts for storing a car while deployed or garaging their vehicle on base. For homeowners, USAA offers discounts for having a monitored fire alarm or home security system, maintaining coverage with USAA for three consecutive years, and going without a claim for five or more years.

Pros

• Lower homeowners insurance rates in Texas than competitors

• Highest overall customer satisfaction ratings from J.D. Power

• Customized discounts for military families

Cons

• Available only to military members, veterans, and their families

• Few local agents

• Bundling discount is modest compared to some competitors

Allstate: Best for low-mileage drivers

low-mileage drivers

Compare Quotes

User Reviews	3.8 4,304 reviews
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.	$81/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

Show Details

Driver Reviews

3.8

A solid option in TexasBased on 9,649 verified driver reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Accident forgiveness

Wide availability

Cheap rates

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Accident forgiveness

Wide availability

Cheap rates

Showing 75 reviews from Texas drivers - See all 4,304 Allstate reviews

Cesar

Verified Review

Allstate's Pricing Strategy

Reviewed in Texas on March 14, 2026

Do not use Allstate. They offer you lower rates initially and then raise them higher than your previous insurance company.

Juana

Verified Review

Shame on them. Just because I'm a senior citizen they wanted to take advantage of me.

Reviewed in Texas on March 13, 2026

They are crooks. I have been a licensed driver for 44 years, insured, and this company had me for 3 months on pins and needles with their incompetent ways of taking information and putting the wrong numbers for my account even though they were on auto pay. They charged me for late fees for their errors, and at 69, I could not handle so much. They said my bank declined payment, and this went on for 3 months. Finally, I went to the bank, and my bank told them they had not received a request for payment from them. They still said I had to pay the bill with a late fee. That day I had an appointment with a doctor. Because of all this, I got lost and even got into my first accident. Then they tried to take my vehicle for $1,500. I was able to take my vehicle back and fix it myself for less than those $1,500 dollars, which they said was a total loss. I will not recommend this company.

Jerome

Verified Review

Allstate

Reviewed in Texas on March 12, 2026

Excellent customer service

Roger

Verified Review

Good Coverage, But Expensive

Reviewed in Texas on March 11, 2026

Good coverage, but expensive. I only stayed with them because my homeowners insurance was cheaper after I got a new roof due to hail damage. It was a struggle, and I only got a new roof because my roofer was persistent.

Nelda

Verified Review

Way too pricey for minimum coverage. I was paying almost $600 monthly for 2 vehicles. I thought all along I had full coverage for that price.

Reviewed in Texas on March 9, 2026

Way too pricey for minimum coverage. I was paying almost $600 monthly for 2 vehicles. I thought all along I had full coverage for that price.

Tom

Verified Review

Car insurance is a monopoly

Reviewed in Texas on March 3, 2026

Insurance is outrageously expensive. Try not to put teens on your policy.

Pamela

Verified Review

Satisfied

Reviewed in Texas on February 27, 2026

Affordable

William

Verified Review

Bad assistance during a flood

Reviewed in Texas on February 26, 2026

Very disappointed in how they acted after a flood in Conroe, TX. They did okay, but when there was an issue with a flatbed truck you sent that caused some driveway damage, they did not help me at all!

Donald

Verified Review

Allstate reps are customer caring and honest.

Reviewed in Texas on February 24, 2026

Consider Allstate coverage as a good deal.

Previous

1234…25

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

636

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 is a smart choice for low-mileage drivers in Texas, thanks to its Milewise program and other usage-based discounts. If you don’t drive very often, bundling with Allstate can lead to savings without sacrificing coverage.

Homeowners can save with discounts for on-time payments, being claims-free, and installing theft or fire protection devices. Auto policy discounts are available for having a clean driving record, maintaining good grades, and paying your premium in full.

Pros

• Lower car insurance rates for low-mileage drivers and safe drivers

• Potentially large bundling discount

• Mobile app warns homeowners of weather threats

Cons

• Below-average customer satisfaction ratings from J.D. Power

• Car insurance rates may increase significantly if you have a speeding ticket, an accident, or a DUI

• Home and auto discount availability varies based on location

Nationwide: Best for low homeowners rates

low homeowners rates

Compare Quotes

User Reviews	4.2 512 reviews
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 /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.	$129/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.	$227/mo

Show Details

Driver Reviews

4.2

Best choice in TexasBased on 952 verified driver reviews and ratings

How drivers feel about Nationwide

Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Usage-based savings

Accident forgiveness

Recreational vehicle coverage

How drivers feel about Nationwide

Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Texas for

Usage-based savings

Accident forgiveness

Recreational vehicle coverage

Showing recent national reviews - See all 512 Nationwide reviews

Edward

Verified Review

Loyalty means nothing

Reviewed in Pennsylvania on March 3, 2026

I have been with this insurance company for 50 years, and I feel like I've been overpaying the entire time. They never tried to save me money. It's a good idea to shop around and save money.

Thomas

Verified Review

Angry Loyal Customer

Reviewed in New York on February 28, 2026

Too expensive for a great and safe driver who drives 7,000 miles per year in a 15-year-old car!

Walter Mike

Verified Review

Fed up with high rates just because they can

Reviewed in North Carolina on February 24, 2026

I thought it was good until they started raising my rates for no good reason other than what they said: everyone is getting a rate increase. Which didn’t sit well. I’m a senior citizen with a perfect driving record; all other things they check are really good, and I've been with this same company and agent for over 20 years. Undoubtedly, that doesn’t mean much. So much for loyalty and being a long-time customer. So I’m doing something different.

Previous

1234…17

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

641

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.7

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 15%

Nationwide offers relatively affordable homeowners insurance rates in Texas — especially for customers who pair home and auto policies. It’s a great option for people who want to customize home and auto insurance protection without paying top dollar.

Customers can qualify for homeowners insurance discounts when they renovate their home’s plumbing, heating, cooling, and electrical systems or if they purchase a new home. Car insurance discounts are available for maintaining an accident-free driving record, taking an approved defensive driving course, and setting up automatic payments from a bank account.

Pros

• Extensive network of local independent agents

• Flexible policy options and add-ons

• Strong financial ratings from AM Best, S&P Global, and Moody’s

Cons

• Below-average J.D. Power customer satisfaction rating for car insurance in Texas

• Low Better Business Bureau (BBB) ratings

• Poor reviews on Trustpilot

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.

Find Coverage for Car and Home

Let us do the work getting quotes from 120+ companies. You sit back and save!

Enter your ZIP codeView My Quotes

Excellent

4.7 out of 5 based on 12,704 reviews

Secure. Free. Easy-to-use.

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:

• 

  Good driver discount

  This discount is available to drivers with a clean record, meaning no accidents or violations for a set period.

• 

  Low-mileage discount

  People who drive less, such as stay-at-home parents, remote workers, and retirees, can save money with a low-mileage discount.

• 

  Defensive driving discount

  Your insurance company may offer this discount if you complete an approved driver-safety course.

• 

  Multi-vehicle discount

  You may save money if you insure more than one car with the same company.

• 

  Anti-theft device discount

  Cars with a security system or tracking technology may qualify for you for an anti-theft device discount.

• 

  Safe vehicle discount

  This discount applies to cars with high safety ratings and built-in safety features.

• 

  Telematics or usage-based discount

  You may qualify for a telematics discount if you opt into programs that track your driving habits and show safe behavior behind the wheel.

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.

Shop for Auto and Home Insurance

See personalized quotes from Insurify partners in minutes

Enter your ZIP codeGet My Quotes

Excellent

4.7 out of 5 based on 12,704 reviews

Secure. Free. Easy-to-use.

Best home and auto insurance in Texas FAQs