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15 years at the Boston Globe
5+ years covering insurance industry
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
Texas residents pay some of the highest insurance premiums in the country due to severe weather exposure, fast-growing metro areas, and expensive property claims. Full-coverage car insurance in Texas averages $2,462 per year, while a homeowners policy with $300,000 in dwelling coverage averages $4,704 annually.
Texas home insurance rates are generally higher than the national average and often exceed rates in neighboring states like New Mexico and Arkansas. Frequent hailstorms, hurricane exposure along the Gulf Coast, and costly wind claims contribute to elevated homeowners insurance coverage costs.
Auto insurance rates in Texas also trend above average due to heavy traffic in Houston, Dallas, and San Antonio, as well as a high number of uninsured drivers.[1]
Coverage Type | Average Annual Cost in Texas |
|---|---|
| Car insurance (full coverage) | $2,462 |
| Home ($300K dwelling) | $4,704 |
Compare rates from the nation’s leading insurance companies
The best home and auto insurance companies in Texas are State Farm, USAA, Allstate, Progressive, and Farmers Insurance. Each offers strong bundling discounts, competitive insurance premiums, flexible coverage options, and high customer satisfaction ratings for Texas drivers and homeowners.
Texas residents often pay higher-than-average home insurance rates due to damage from hailstorms, hurricanes, tornadoes, and severe thunderstorms.
At the same time, fast-growing metro areas like Houston, Dallas, Austin, and San Antonio contribute to elevated auto insurance rates due to increased traffic congestion, higher accident frequency, and more uninsured drivers.
Bundling home and auto insurance can help offset some of these costs through multi-policy discounts and simplified policy management.
Many of the best auto insurance companies in Texas also rank highly for homeowners insurance coverage and claims satisfaction in studies by organizations such as J.D. Power and the National Association of Insurance Commissioners.
Some insurers specialize in cheap rates, while others stand out for customer service, mobile app functionality, add-on coverage, or support from local insurance agents.
Drivers comparing home and auto insurance bundles should look beyond price alone. Deductible amounts, dwelling coverage limits, personal property protection, liability coverage, and exclusions can all affect the total value of an insurance policy.
Texans living near the Gulf Coast, for example, may also need separate windstorm or flood insurance coverage, depending on location and lender requirements.
The companies below offer some of the best combinations of bundled savings, auto coverage, homeowners policy features, and competitive pricing for Texas policyholders.
Insurance Company | Best For | 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 |
|---|---|---|---|
| State Farm | Customer Satisfaction | 9.3 | Up to 20% |
| USAA | Military Families | 9.1 | Up to 10% |
| Allstate | Add-on coverage options | 8.9 | Up to 20% |
| Progressive | High-risk drivers | 8.7 | More than 25% (new customers) |
| Farmers Insurance | Local agent support | 8.5 | 10% or more |
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.
| User Reviews | 4.1 |
|---|---|
| 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. | $44/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. | $85/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
State Farm stands out for Texas homeowners and drivers because of its extensive local agent network, strong J.D. Power customer satisfaction scores, and sizable bundle savings. The insurer also performs well in hail-prone regions like North Texas, where claims responsiveness can be especially important.
Strong local agent network across Texas
Competitive home and auto bundle discounts
Highly rated mobile app and claims tools
Rates may rise after claims
Limited specialty coverage add-ons
Not always the cheapest option for high-risk drivers
| User Reviews | 4.9 |
|---|---|
| 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. | $78/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. | $152/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
USAA consistently ranks among the best auto insurance companies and home insurance companies for eligible military families. Texas has a large veteran population, making USAA especially attractive for active-duty members near bases in San Antonio, Killeen, and El Paso.
Excellent customer satisfaction ratings
Competitive pricing and low complaint levels
Strong coverage options for military families
Eligibility restricted to military members, veterans, and eligible family members
Higher complaint levels than some top competitors
Fewer optional coverage add-ons than some national insurers
| User Reviews | 3.8 |
|---|---|
| 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. | $61/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. | $120/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
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.
Allstate offers broad homeowners insurance coverage and useful optional protections for Texas residents facing weather-related risks. Texans can customize policies with add-ons for water backup, identity theft, and additional personal property protection.
Wide range of coverage add-ons
Strong digital tools and a mobile app
Multiple bundling and safe-driver discounts
Higher-than-average premiums in some ZIP codes
Customer satisfaction varies by region
Just 1.3 (out of 5) stars on Trustpilot
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 616 |
|---|---|
| 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. | 8.7 /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. | $64/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. | $117/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive can be a good choice for Texas drivers with a history of accidents, speeding tickets, or driving while intoxicated (DWI) violations. The insurer’s Name Your Price tool and competitive auto policy options may help drivers in large metro areas compare insurance quotes more efficiently.
Competitive pricing for high-risk drivers
Strong online quotes and comparison tools
Wide variety of auto coverage options
Lower customer satisfaction than some competitors
Home insurance is often sold through partners
Fewer optional home coverages than some rivals
| User Reviews | 3.8 |
|---|---|
| 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. | 8.5 /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. | $105/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. | $211/mo |
Farmers's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.5 | 3.1 |
| Value | 3.2 | 2.9 |
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Farmers Insurance has a strong presence in Texas, with an almost 20% market share, and offers personalized service through local agents. Its homeowners policy options can appeal to Texans seeking customized dwelling coverage against weather-related risks such as wind and hail.
Extensive local agent availability
Multiple home insurance coverage tiers
Good educational resources for policyholders
Premiums may exceed state average rates
Discounts vary by location
Below-average customer satisfaction in the Southwest, per J.D. Power
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.
Several Texas-specific risk factors influence insurance costs and insurance premiums for both home and auto coverage. These risk factors include:
Severe weather: Texas leads the nation in costly hail claims and regularly faces hurricanes along the Gulf Coast. Wind, hail, and flood damage can increase homeowners insurance rates and substantially raise deductibles in coastal counties.[2]
Population growth and traffic: Large urban areas like Houston, Dallas, and Austin have dense traffic congestion and high accident rates. More vehicles on the road generally increase car insurance rates.
Property crime and vehicle theft: Higher theft rates in some Texas cities contribute to elevated comprehensive coverage premiums. Auto insurance companies may charge more in ZIP codes with higher vandalism and theft claims.
State insurance rules: Texas law requires drivers to carry at least 30/60/25 in liability insurance. The state also allows insurers to use credit-based insurance scores in many underwriting decisions, which can affect both auto insurance rates and home insurance rates.[3]
Compared to many Middle American states, Texas homeowners also face higher catastrophe exposure, especially from hurricanes and convective storms.
Check auto quotes from 120+ top insurance companies
Yes, bundling home and auto insurance is often worth it for Texas residents because it can reduce premiums and simplify policy management. Many insurers offer a multi-policy discount that lowers annual premium costs by 10%–25%.
For example, a homeowner in Houston with two vehicles and a homeowners policy may save hundreds of dollars annually by bundling auto and home insurance with the same insurer instead of maintaining separate policies.
Lower insurance costs through bundle savings
Easier billing and claims management
Switching one policy may reduce discounts
The cheapest home insurance and auto coverage may come from different insurers
Texas insurance rates vary significantly by region, weather exposure, and driver profile, so comparing bundled quotes from several insurers is important.
State Farm, USAA, and Allstate are among the best insurance companies in Texas because they combine strong customer satisfaction, competitive pricing, and broad homeowners insurance coverage and auto insurance coverage options.
The cheapest home and auto insurance in Texas varies by ZIP code and risk profile. Still, companies like State Farm and Progressive often offer competitive bundled quotes and insurance bundle discounts.
You can bundle home and auto insurance by purchasing both policies from the same insurance company or independent agent. Doing so may qualify you for a multi-policy insurance discount and simplified billing.
Texas homeowners insurance coverage costs are high because of severe weather risks, including hurricanes, hailstorms, tornadoes, and costly property damage claims, especially along the Gulf Coast and in North Texas.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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15 years at the Boston Globe
5+ years covering insurance industry
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
