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

State Farm and Allstate offer some of the best home and auto bundling discounts in Texas.

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Janet Berry-Johnson
Janet Berry-JohnsonInsurance Writer, CPA
  • 8+ years writing about insurance, taxes, and personal finance

  • Certified public accountant

Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

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Becky Helzer
Edited byBecky Helzer
Becky Helzer
Becky HelzerEditor

Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.

A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.

John Leach
Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 20461358

John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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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.

Quick Facts
  • Bundling can save Texas drivers up to 25% on combined home and car insurance.

  • Some insurance companies offer additional discounts for low-mileage driving or home safety features.

  • Not all bundles are cheaper, so compare quotes from several companies before committing.

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
sort ascsort desc
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.
sort ascsort desc
Bundling Discount/Savings Claim
sort ascsort desc
Bundled Annual Average
sort ascsort desc
State Farm9.3Up to $1,356$3,342
Mercury7.5Up to 14% off auto and 18% off homeowners$4,479
USAA9.1Up to 10%$4,714
Allstate8.9Up to 25%$4,855
Nationwide9.0Up to 15%$5,754
  • 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

User Reviews
4.0
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.
$43/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
4.0
Best choice in TexasBased on 18,509 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Texas for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 reviews from Texas driversSee all 7,612 State Farm reviews
Michael
Verified Review
Stay away from ST. Farm!
My wife and I recently moved away from ST Farm after 45 years because their rates skyrocketed and their claims service was terrible. Our agent admitted to us that their rates were much more expensive to help cover the class action lawsuits.
David
Verified Review
State Farm Car Insurance Experience & Rating
Excellent agent, but car insurance with State Farm is too expensive!
William
Verified Review
Good
It took too long for State Farm to approve funds for repairs.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
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

User Reviews
4.0
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.
$86/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.
$138/mo
4.0
Best choice in TexasBased on 666 verified driver reviews and ratings
Mercury's score
Industry average
Coverage options3.73.2
Customer service3.03.6
Discounts3.32.9
Policy transparency3.63.1
Value3.22.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Texas for
Competitive rates
Rideshare drivers
Numerous discounts
Showing recent national reviewsSee all 321 Mercury reviews
Ruth
Verified Review
Helpful
I have nothing bad to say. When I was in a car crash 3 years ago, they were great.
Kristie
Verified Review
Both my auto & home rates have risen, and currently comparison shopping, otherwise I'd stay.
Unfortunately, I had to make a claim with Mercury. While the customer experience and claims process have been good with them, I'm now having to price compare for alternate insurance as the premium has gone up.
Mark
Verified Review
Rates
Rates increased without notice.
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

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.
$77/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
4.9
Best choice in TexasBased on 3,733 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.83.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Texas for
Members of the military community
Outstanding customer service
Competitive rates
Showing 44 reviews from Texas driversSee all 1,587 USAA reviews
Glenn
Verified Review
Be Careful
Get a copy of the policy before you commit. The website is hard to navigate.
Joseph
Verified Review
Avoid USAA at all costs even if you think you will save, you will not.
USAA is too costly, changes policy without consent, and is a nightmare to deal with on claims. Our last claim, they offered us a final offer of exactly half what our vehicle was worth. We had to hire an independent appraiser, they wouldn’t honor his appraisal, then we had to pay for a mediator to get even near what the vehicle was worth. Our own insurance company fought us at every turn for what our vehicle was obviously worth. The policy has gone up more than 4 times our initial quote. I don’t know why we stuck with them for so long. Quotes from other companies put our 6-month price less than 1 month of USAA’s prices. We are dumping them as soon as possible. It isn’t the same USAA it was 20 years ago. We have good credit and clean driving records. The last thing we want after being in an accident is to have to fight with our own provider that we were paying top dollar for. Our payout finally came after 1 year of dealing with them, hiring our own appraisal, and paying for mediation. My only advice is if you use USAA and get into an accident, immediately hire an attorney to deal with it all for you; otherwise, stay away from this company at all costs. They are not worth the high premiums they charge.
Brittany
Verified Review
Too expensive for shaky service
The rates are too high. They are astronomically ridiculous regardless of whether or not I've had a collision.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
710
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

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
3.8
A solid option in TexasBased on 10,956 verified driver reviews and ratings
Allstate's score
Industry average
Coverage options3.83.2
Customer service3.83.6
Discounts3.82.9
Policy transparency3.73.1
Value3.32.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Texas for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 reviews from Texas driversSee all 4,472 Allstate reviews
David
Verified Review
Average customer service while increased pricing
Not proactive enough to offer savings without sacrificing current coverage levels. Need greater details on policy.
Monica
Verified Review
Excellent
Awesome! Best rates ever!
Danny
Verified Review
I'm going somewhere else
They pay for accidents, but the price is too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
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

User Reviews
4.2
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.
$97/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.
$191/mo
4.2
Best choice in TexasBased on 990 verified driver reviews and ratings
Nationwide's score
Industry average
Coverage options4.13.2
Customer service4.03.6
Discounts3.72.9
Policy transparency3.93.1
Value3.52.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Texas for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Showing recent national reviewsSee all 518 Nationwide reviews
Michael
Verified Review
Excellent
Just your average auto insurance company.
Wayne
Verified Review
Excellent
Expensive for the coverage provided.
William
Verified Review
Excellent
Too expensive and they farm you out to other insurance companies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
639
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

  • 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.

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.

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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:

    illustration card https://a.storyblok.com/f/162273/150x150/b105bebbec/car-and-driving-96x96-gold_023-driving-test.svg

    Good driver discount

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

    illustration card https://a.storyblok.com/f/162273/150x150/25f925463d/car-and-driving-96x96-orange_033-dashboard.svg

    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.

    illustration card https://a.storyblok.com/f/162273/150x150/789c6c481b/car-and-driving-96x96-green_007-driver.svg

    Defensive driving discount

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

    illustration card https://a.storyblok.com/f/162273/150x150/edb628e3ac/insurify-icons-auto-blue-96x96_013-family.svg

    Multi-vehicle discount

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

    illustration card https://a.storyblok.com/f/162273/150x150/0399fb6142/car-dashboard-96x96-gold_005-steering-wheel.svg

    Anti-theft device discount

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

    illustration card https://a.storyblok.com/f/162273/150x150/1c9bca0311/car-and-driving-96x96-orange_037-brake.svg

    Safe vehicle discount

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

    illustration card https://a.storyblok.com/f/162273/150x150/b023eca242/renewable-energy-96x96-green_037-smartphone.svg

    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.

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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.

Sources

  1. J.D. Power. "2024 U.S. Home Insurance Study."
  2. J.D. Power. "2024 U.S. Auto Insurance Study."
  3. Insurance Information institute. "Nine ways to lower your auto insurance costs."
  4. Insurance Information Institute. "How to save money on your homeowners insurance."
Janet Berry-Johnson
Written byJanet Berry-JohnsonInsurance Writer, CPA
Janet Berry-Johnson
Janet Berry-JohnsonInsurance Writer, CPA
  • 8+ years writing about insurance, taxes, and personal finance

  • Certified public accountant

Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

Featured in

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Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

Becky Helzer
Edited byBecky HelzerEditor
Becky Helzer
Becky HelzerEditor

Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.

A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.

John Leach
Reviewed byJohn LeachLicensed P&C Agent, Chief Copy Editor
Photo of an Insurify author
John LeachLicensed P&C Agent, Chief Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 20461358

John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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