Mercury offers the cheapest home and auto bundle in Texas at $4,621 per year with $250,000 in dwelling coverage. State Farm is the next most affordable at $4,839 annually. The cheapest provider shifts as you increase coverage: State Farm is cheapest at $500,000 dwelling coverage at $6,577 per year, Mercury returns as cheapest at $750,000 dwelling at $9,120, and Farmers offers the lowest rate at $1 million dwelling at $10,535 annually. Use the filters to compare rates at the coverage level that matches your home's value.
Best Cheap Home and Auto Bundle Insurance in Texas
Updated: April 2, 2026
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Key Takeaways
Mercury offers the cheapest home and auto bundle in Texas at $4,621 per year. Read more.
State Farm offers the biggest bundle discount in Texas at 26%, saving policyholders $1,683 per year. Read more.
State Farm is the best home and auto bundle in Texas with a MoneyGeek score of 4.8 out of 5. Read more.
Cheapest Home and Auto Bundle in Texas
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
40
| Mercury Insurance | $4,621 | $764 |
| State Farm | $4,839 | $1,683 |
| Farmers | $5,572 | $1,053 |
| Chubb | $10,476 | $1,832 |
| Progressive | $12,719 | $231 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
Companies Offering the Biggest Bundle Discount in Texas
State Farm offers the largest bundle discount in Texas at 26%, saving policyholders $1,683 a year. Chubb saves the most in dollar terms at $1,832 a year, but its bundled rate of $10,476 makes those savings worth it only for homeowners already considering a higher-cost carrier. For most Texas homeowners, State Farm offers the best combination of discount size and overall affordability.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| State Farm | 26% | $1,683 | $4,839 |
| Farmers | 16% | $1,053 | $5,572 |
| Chubb | 15% | $1,832 | $10,476 |
| Mercury Insurance | 14% | $764 | $4,621 |
| Progressive | 2% | $231 | $12,719 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates across different coverage levels.
Best Home and Auto Bundle Companies in Texas
State Farm and Farmers are the top-scoring home and auto bundle providers in Texas. State Farm earns the top spot with a 4.8 out of 5 MoneyGeek score, combining competitive pricing, the biggest discount in the state and strong customer satisfaction. Farmers follows at 4.7, ranking second for its coverage depth and customizable policy options.
| Best Overall | State Farm | 4.8 | $4,839 |
| Biggest Discount | State Farm | 4.8 | $4,839 |
| Runner-Up | Farmers | 4.7 | $5,572 |
| Cheapest Bundle | Mercury Insurance | 4.6 | $4,621 |
Best Overall: State Farm
pros
Highest MoneyGeek score among Texas bundle providers at 4.8 out of 5
Biggest bundle discount in Texas at 26%, saving policyholders $1,683 annually
Drive Safe & Save offers additional auto savings on top of the bundle discount
cons
Annual bundle premium of $4,839 is slightly higher than Mercury ($4,621)
Home insurance rates in Texas vary by ZIP code and storm risk profile
COMPANY HIGHLIGHTS
State Farm earns MoneyGeek’s highest bundle score in Texas at 4.8 out of 5. At $4,839 a year, policyholders save $1,683 by bundling. That’s a 26% discount, the largest bundle savings in the state.
State Farm’s home policies cover wind, hail and theft. Texas homeowners can also stack windstorm mitigation discounts for impact-resistant roofing and storm shutters on top of bundle savings. Drive Safe & Save tracks driving behavior through a mobile app and adds further auto savings. Optional add-ons include a personal articles floater and umbrella liability coverage.
State Farm has one of the largest agent networks in Texas for local support on storm and hail claims. Policyholders can file claims 24/7 through the mobile app, and Catastrophe Response Teams deploy for severe weather events.
Runner-Up: Farmers
pros
Second-highest MoneyGeek score in Texas at 4.7 out of 5
Bundle discount of 16% saves policyholders $1,053 annually
Customizable home coverage options including replacement cost and extended dwelling protection
cons
Annual bundle premium of $5,572 is higher than State Farm ($4,839) and Mercury ($4,621)
Bundle discount of 16% is lower than State Farm's 26%
COMPANY HIGHLIGHTS
Farmers earns MoneyGeek’s second-highest bundle score in Texas at 4.7 out of 5. At $5,572 a year, policyholders save $1,053 by bundling, a 16% discount.
Farmers’ home policies include replacement cost coverage, extended dwelling protection and optional equipment breakdown coverage. Its auto policies offer discounts including multi-car, good driver and homeowner discounts that stack on top of bundle savings.
Farmers offers 24/7 claims filing and a dedicated claims representative for each case. Its Farmers Friendly Review program provides a free annual policy checkup to confirm coverage keeps pace with changes to your home or driving situation.
How to Get Cheaper Home and Auto Bundle Insurance in Texas
Texas homeowners can lower their bundle costs by adjusting coverage levels and stacking available discounts. These strategies make the biggest difference in Texas's varied insurance market:
Raise your deductible
Moving from a $500 to a $1,000 deductible on home coverage reduces your premium, but you’ll need cash reserves to cover the higher out-of-pocket cost if you file a claim.
Ask about usage-based auto discounts
State Farm’s Drive Safe & Save tracks driving habits and can stack additional savings on top of the bundle discount. It’s useful for low-mileage drivers.
Improve your home's wind and hail resistance
Texas insurers often reduce premiums for impact-resistant roofing and storm shutters. These discounts stack with bundle savings and are worth pursuing in hail-prone areas.
Maintain good credit
Texas insurers use credit-based insurance scoring. Keeping your credit in good standing can lower both your home and auto premiums at renewal.
Home and Auto Insurance in Texas: FAQ
Does Texas' weather risk affect bundle insurance rates?
Yes, by a large margin. Texas is one of the most weather-exposed states in the country, with high risk from hail, tornadoes, hurricanes along the Gulf Coast and severe thunderstorms. These risks push home insurance premiums well above the national average, which raises the overall cost of a home and auto bundle. Homeowners in high-risk ZIP codes, particularly along the coast and in Tornado Alley, pay the highest rates.
Which company has the best bundle in Texas for homeowners with high-value properties?
Farmers is a good option for Texas homeowners who want broader coverage. Its home policies include replacement cost coverage, extended dwelling protection and optional equipment breakdown coverage. State Farm is better for homeowners who want the highest overall score, a lower premium and the biggest discount.
Should I bundle home and auto insurance in Texas?
Yes. If you already need both policies, bundling almost always makes financial sense in Texas. Every provider in MoneyGeek’s analysis saves policyholders money through bundling, and managing one account adds convenience. Texas’ high insurance costs make every available discount more valuable. Compare the bundled premium against standalone quotes to confirm you’re getting the better deal.
Best Auto and Home Insurance Bundle in Texas: Our Methodology
MoneyGeek calculated home and auto insurance bundle rates using data from the Texas Department of Insurance, Quadrant Information Services, AM Best and J.D. Power. Premiums are averages and vary by ZIP code, claims history and individual profile.
- MoneyGeek score: Weights affordability, customer satisfaction (AM Best and J.D. Power) and coverage quality
- Baseline driver: 40-year-old with good credit, 2021 Toyota Camry, 50/100 full coverage with $1,000 deductible
- Baseline home: $250,000 dwelling, $125,000 personal property, $200,000 liability
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!