State Farm earns a 4.75 out of 5 MoneyGeek score and an annual bundled rate of $4,839, making it the top-ranked home and auto bundle insurer in Texas. MoneyGeek analyzed 6,350 quotes across 106 Texas ZIP codes to build these rankings, weighing affordability, customer satisfaction and coverage quality for each provider. State Farm also leads in bundle discounts, offering a 26% combined discount that saves Texas policyholders $1,683 per year compared to buying policies separately.
Best Home and Auto Insurance Bundle in Texas
Updated: May 6, 2026
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Key Takeaways
State Farm earns the top spot in MoneyGeek's Texas bundle rankings with a 4.75 out of 5 score and the cheapest annual bundled rate of $4,839 for combined home and auto coverage.
State Farm also offers the highest bundle discount in Texas at 26%, saving policyholders $1,683 per year compared to buying policies separately.
A bigger discount doesn't guarantee the lowest total bill. In Texas, State Farm's 26% discount saves $1,683 per year, but its $4,839 annual premium is $218 more than Mercury's $4,621, which offers a 14% discount.
Best Home and Auto Insurance Bundle in Texas
| State Farm | 4.75 | $4,839 | 26% |
| Farmers | 4.74 | $5,572 | 16% |
| Chubb | 4.68 | $10,476 | 15% |
| Mercury Insurance | 4.61 | $4,621 | 14% |
| Progressive | 4.47 | $12,719 | 2% |
To learn more about how we rank the top home and auto insurance bundles, see our methodology.
Top 3 Home and Auto Bundle Companies in Texas
The three top-ranked bundle providers in Texas are State Farm, Farmers and Chubb. State Farm leads on price among the top three with a $4,839 annual bundle and the largest discount in the state at 26%. Farmers ranks second and performs well for its coverage options, including the broadest auto coverage score among all ranked providers. Chubb scores highest for customer satisfaction and coverage quality, making it the premium choice for homeowners who prioritize protection over price, particularly for high-value homes, though its $10,476 annual bundle is considerably more expensive. Texas's homeowners market contends with Gulf Coast hurricane risk, North Texas hail and tornado exposure and statewide winter storm vulnerability, but all three providers are actively writing policies across the Gulf Coast, North Texas and central Texas regions.
State Farm
MoneyGeek Rating
4.8/ 5
4.9/5Affordability
3.9/5Customer Experience
3.1/5Coverage
Annual Bundle Premium
$4,839Monthly Bundle Premium
$403Bundle Savings
26%
Farmers
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
3.7/5Customer Experience
4.4/5Coverage
Annual Bundle Premium
$5,572Monthly Bundle Premium
$464Bundle Savings
16%
Chubb
MoneyGeek Rating
4.7/ 5
3/5Affordability
4.2/5Customer Experience
3.5/5Coverage
Annual Bundle Premium
$10,476Monthly Bundle Premium
$873Bundle Savings
15%
Cheapest Home and Auto Bundle in Texas
Mercury Insurance offers the cheapest home and auto bundle in Texas at $4,621 per year, edging out State Farm's $4,839 annual total. The provider with the biggest discount percentage, State Farm at 26%, also produces the largest dollar savings at $1,683 per year, while Mercury's smaller 14% discount saves $764 annually. A higher discount percentage doesn't always translate to a lower total bill, because the starting premium before the discount matters just as much, so it's wise to check the average car insurance rates in Texas and what homeowners insurance costs are.
| 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 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
Companies Offering the Biggest Bundle Discount in Texas
State Farm offers the highest bundle discount in Texas at 26%, saving policyholders $1,683 per year, both the largest percentage and the second-largest dollar savings in the analysis. Chubb produces the largest absolute dollar savings at $1,832 per year despite a lower 15% discount rate, because its base premiums are much higher. The distinction matters: a homeowner who chooses Chubb for its $1,832 in bundle savings still pays $10,476 annually, compared to $4,621 with Mercury Insurance, which offers a 14% discount worth $764 per year.
| 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 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
FINDING HOME AND AUTO BUNDLE INSURANCE IN TEXAS
Texas's homeowners insurance market contends with multiple regional pressures, including Gulf Coast hurricane losses, North Texas hail and tornado activity, and the widespread damage from winter storm Uri, which has led some insurers to restrict policies or non-renewal in high-risk areas. The Texas FAIR Plan provides basic homeowners coverage as a last resort, but it can't be bundled with auto insurance for a discount. All insurers in the analysis are actively writing in Texas.
How to Get Cheap Home and Auto Bundle Insurance in Texas
Texas has one of the most complex home insurance risk profiles of any state, with Gulf Coast hurricane exposure, North Texas hail and tornado activity and winter storm risk all contributing to home premiums that rank among the highest in the country. Understanding these cost drivers and the strategies that offset them can reduce what you pay for a bundled policy.
- 1
Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can reduce your annual home insurance premium. In Texas, where home rates are increased by storm risk, the savings from a higher deductible can be substantial. The same logic applies to your auto policy's comprehensive and collision deductibles: moving from $500 to $1,000 lowers your premium in exchange for higher out-of-pocket costs after a claim. Before switching, make sure you have enough in savings to cover the higher deductible if you need to file a claim.
- 2
Try a Telematics Auto Program
Telematics programs track driving behaviors like speed, hard braking and mileage and can lower your auto insurance rate based on how safely you drive. Progressive's Snapshot program, available in Texas, is one of the most widely used telematics options and can produce good discounts for low-mileage or safe drivers. State Farm's Drive Safe & Save program is another option for bundled policyholders. These telematics savings stack on top of your existing bundle discount, making them one of the most effective ways to reduce your total combined premium.
- 3
Add Storm-Resistant and Disaster-Mitigation Home Features
Texas presents multiple distinct home insurance risk drivers depending on your region: hurricane and wind risk along the Gulf Coast, hail and tornado exposure across North Texas and the Plains, wildfire risk in the Hill Country and West Texas and winter storm vulnerability statewide. Investing in storm-resistant roofing, impact-resistant windows and wind mitigation improvements can qualify you for home insurance discounts. Texas law requires insurers to offer a discount for certain wind mitigation improvements, so ask your provider what qualifies. State Farm and Farmers both offer premium credits for protective home features in Texas.
- 4
Compare Quotes When Your Policy Renews
The gap between the cheapest and most expensive providers in MoneyGeek's Texas analysis is more than $8,000 per year: Mercury Insurance at $4,621 versus Progressive at $12,719. Even comparing the top five providers, the spread between the cheapest and third-ranked option is nearly $6,000 annually. Comparing bundled quotes at renewal takes less time than most homeowners expect, and switching to a better-priced provider at renewal requires no lapse in coverage.
Home and Auto Bundle Insurance in Texas: FAQ
Why is home insurance so expensive in Texas, and how does it affect bundle rates?
Texas home insurance is expensive because the state contends with an unusually broad set of weather risks: Gulf Coast hurricanes, North Texas hail and tornado activity, Hill Country wildfire exposure and statewide winter storm risk that drive claims costs well above the national average. Because home insurance is typically the larger component of a bundle, increased home premiums push combined bundle rates higher even when auto rates are competitive. In MoneyGeek's Texas analysis, annual bundle premiums range from $4,621 to $12,719, a spread driven largely by differences in home insurance pricing across providers.
Which company has the best bundle in Texas for homeowners who want more coverage?
Chubb is the best choice for Texas homeowners who prioritize coverage depth over price, earning the highest customer satisfaction score (4.22 out of 5) and the strongest home coverage score (4.48 out of 5) in MoneyGeek's analysis. Its policies include premium features like extended replacement cost and cash settlement options that are especially valuable in a state where rebuild costs can spike after widespread storm events.
Should I bundle home and auto insurance in Texas?
Bundling home and auto insurance in Texas is generally worth it, as every provider in MoneyGeek's analysis offers a good discount for combining policies, ranging from 2% to 26%. The main factor is to compare total bundled premiums across providers rather than focusing only on the discount percentage, since a large discount on a high-premium policy can still result in a higher total bill than a smaller discount on a more affordable base rate.
Can the Texas FAIR Plan be bundled with auto insurance?
The Texas FAIR Plan cannot be bundled with auto insurance for a multi-policy discount. The FAIR Plan is a last-resort homeowners program administered by the state for property owners who cannot get coverage in the standard market, and it does not offer the bundling arrangements that standard carriers provide. If you are currently on the FAIR Plan, you will need to purchase auto insurance separately and will not qualify for a bundle discount until you can get standard homeowners coverage.
How do I know if my bundle discount is actually saving me money?
The only way to know for certain is to compare your current bundled total against separate quotes for home and auto from different carriers. A bundle discount reduces what you pay compared to buying both policies from the same insurer separately, but it does not guarantee you are paying less than you would with two policies from two different companies.
What's the difference between a bundle discount and actual bundle savings?
A bundle discount is the percentage reduction an insurer applies to your premiums when you combine home and auto policies, for example, State Farm's 26% discount in Texas. Actual bundle savings is the dollar amount you save compared to buying both policies separately from the same carrier. In State Farm's case, that figure is $1,683 per year. The two figures are related but not interchangeable: a provider with a lower percentage discount can produce larger dollar savings if its base premiums are high, as is the case with Chubb, which offers a 15% discount but saves policyholders $1,832 annually because its starting premiums are much higher.
MoneyGeek analyzed 6,350 quotes across 106 Texas ZIP codes to build the rankings on this page. Data sources include Quadrant Information Services, AM Best, J.D. Power and the Texas Department of Insurance. Figures are averages and actual rates vary by ZIP code, claims history and individual profile.
Learn more about our auto insurance methodology.
MoneyGeek updates this page regularly as new rate data becomes available. The quotes and rankings on this page reflect 2026 data collected across 106 Texas ZIP codes. If you notice a rate that differs from a current quote you have received, this may reflect changes in your individual profile, ZIP code risk factors, or insurer pricing updates since our last data collection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.