Best and Cheapest Home and Auto Bundle Companies in Texas (2024)

When evaluating the best auto and home insurance in Texas, MoneyGeek chose companies that had high customer service ratings for both home and auto insurance, as well as those that offered sizable discounts. Based on this ranking, the following companies offer the best multipolicy products:

• State Farm: MoneyGeek score of 87 out of 100
• Allstate: MoneyGeek score of 82 out of 100

The runner-up pick, Allstate, received a slightly lower score than State Farm for its discount rate. However, both insurers received similar scores for home and auto satisfaction.

USAA offers the best home and auto bundles in Texas for those with military backgrounds. It’s important to highlight that only current or former military members and their families are eligible for its policies.

In Texas, you could save an average of 14% by bundling insurance policies as opposed to purchasing separate insurance with different providers. State Farm offers the highest discount at 23%, whereas Nationwide offers the lowest discount at 8%. If you’re prioritizing cost savings, we found that Farmers has the most affordable home and auto premium at $2,818, even though the bundle discount is only 11%.

Regardless of discounts, Farmers offers the cheapest home and auto insurance in Texas. The runner-up option is Allstate, which costs significantly more.

• Farmers: $2,818 per year
• Allstate: $3,574 per year

Although it may be tempting to choose the most affordable insurer, readers should carefully weigh the benefits, drawbacks and coverage options of each insurer to select the best fit for their needs.

Depending on where you live, it may be less expensive to purchase your auto and home insurance from two different providers. In Texas, MoneyGeek found that the cheapest non-bundle insurance combination is State Farm’s auto insurance ($1,007) and Farmers’ home insurance ($2,316) for a total annual premium of $3,323. However, this is still more expensive than the cheapest bundle insurance option, offered by Farmers for $2,818 per year.

Bundling your home and auto insurance can save you time, and in most cases, money. However, there are some instances when bundling may not be the best choice for you depending on your coverage needs.

In Texas, it’s generally cheaper to bundle your home and auto insurance than it is to purchase separate policies from different insurers. However, you should evaluate your coverage needs and financial situation to determine the best option for you.