Best Home and Auto Insurance Texas

Below are our picks for the best home and auto insurance bundling companies in Texas:

State Farm has the cheapest overall home and auto insurance rates and is the top pick on our list for non-military affiliated drivers. Out of all the companies on this list, it has the largest selection of discounts for both policy types in addition to its large discount of 26% overall for bundling. While coverage options are standard, the company is the third highest-rated auto insurance company in the state and 6th highest for home insurance nationally for customer satisfaction, according to J.D. Power.

USAA is the best home and auto insurance company overall for military members and their families and has the 2nd lowest rates possible in the state. They sport a wide variety of other discounts and unique coverage options, like pay-per-mile car insurance, that can save you even more on auto policies. Its customer service for both home and auto insurance is also top in the nation, according to J.D. Power.

While Nationwide is the most expensive provider on our list for home and auto insurance bundles, the company makes up for it with great discounts and the largest add-on coverage option selection on our list. Its usage-based car insurance program has the highest discount among all companies at up to 40%, and it has one of the largest selections of discounts for home policies. Nationwide also has unique coverage options for a disappearing deductible, accident forgiveness and home equipment breakdowns that other providers on this list do not have.

Texas home and auto insurance costs an average of $442 per month, which is $185 higher than the national average. However, depending on your chosen provider, costs can range anywhere from $285 per month to $556 monthly.

While our research found that not bundling is more expensive in Texas, your quotes may differ. So below, we’ve provided average quotes for all coverage combinations of our top providers other than bundling from cheapest to most expensive.

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.

Overall, we found the best home and auto insurance companies in Texas are USAA, State Farm and Nationwide. Bundling will save you more money than buying policies separately. However, we recommend comparing multiple companies and getting quotes for yourself to get the best deal for your situation.

Below you will find MoneyGeek’s expert answers to frequently asked questions about Texas home and auto insurance:

MoneyGeek used data from the Texas Insurance Bureau and Quadrant Information Services to calculate the rates for home and vehicle insurance.

Bundle Scoring System

We supplemented this data with customer satisfaction ratings from leading consumer-reporting agencies, including AM Best and J.D. Power, to generate individual scores for home insurance and auto insurance. Information on each insurer’s bundle discounts was also obtained to evaluate insurers for their savings potential.

Using this information, we calculated a “bundle score” out of 100, taking into account the following weighted categories:

• Score for home insurance: 40%
• Score for auto insurance: 40%
• Score for discounts: 20%

Car, Home and Buyer Profile in Texas

MoneyGeek's typical profile is as follows:

• 40-year-old male
• Good driving history
• 2010 Toyota Camry LE
• 12K miles driven annually
• A home with a construction year of 2000

Coverage Levels in Texas

MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible