Best and cheapest companies for home and auto bundles in Texas

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Bundling home and auto insurance in Texas can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, State Farm offers the highest percentage savings, while State Farm delivers the cheapest bundled rates.

Insurance companies vary widely in how they price bundles, so comparing multiple providers is key. The right choice depends on your home value, driving profile and where you live within Texas.

What you need to know about bundling in Texas

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
State Farm offers the largest bundle discount in Texas, saving about 18%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Texas can significantly affect how much you save.
Bundling is often cheaper and more convenient, but it’s not always the best overall value.

Which companies offer the best home and auto bundles in Texas? Here’s our pick

State Farm, USAA and NA rank among the best home and auto bundle companies in Texas, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Texas:

State Farm

The average bundle discount at State Farm is $1,214, or 18%. State Farm offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $6,879.

USAA

The average bundle discount at USAA is $354, or 6%. For USAA customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $6,015.

People also ask:

Who has the cheapest home and auto bundle in Texas?

State Farm typically provides the most affordable home and auto bundle in Texas, with average premiums around $5,665.

How much can you save by bundling home and auto insurance in Texas?

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

How do home and auto bundle rates compare in Texas?

Home and auto bundle rates in Texas can vary significantly by insurer. Some companies offer lower base premiums, while others provide larger discounts, and the difference between providers can be substantial. Comparing both the final price and the discount is key to finding the best deal.

Here’s how rates and savings compare across top insurers in Texas:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A+	$2,533	$4,346	0.87	1.15	$5,665	3.06
USAA*	A++	A++	$2,132	$3,883	1.16	0.46	$5,661	4.56

*USAA is only available to military community members and their families.

Bundle savings can vary more than you expect

Two insurers may advertise similar discounts but still produce very different final premiums depending on their starting rates. Always ask for the total combined annual cost of both policies after discounts are applied – not just the discount percentage – before deciding where to bundle. The company with the biggest advertised savings isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Texas?

State Farm is the most affordable option for home and auto bundles in Texas, based on total premium. On the other hand, State Farm is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

Here’s how the cheapest bundle options compare in Texas:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$4,346	$2,533	$6,879	$5,665
USAA*	$3,883	$2,132	$6,015	$5,661

*USAA is only available to military community members and their families.

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or exclusions that leave you exposed when you need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key factors: liability limits, deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t actually a better deal – it becomes more expensive the moment you need to use it.

Which ZIP codes are most and least expensive in Texas?

The most expensive ZIP code for bundled home and auto insurance in Texas is 77075, with average rates of $11,555, while the least expensive is 78076, where premiums drop to $5,590. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing both base premiums and available discounts.

Top ten most expensive ZIP codes

The most expensive ZIP code in Texas for home and auto insurance bundling is 77075 at an average rate of $11,555.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
77075	$11,555	$1,217	10%
77059	$11,420	$1,173	9%
77089	$11,245	$1,172	9%
77085	$11,212	$1,207	10%
77598	$11,178	$1,145	9%
77058	$11,009	$1,143	9%
77061	$10,875	$1,191	10%
77045	$10,854	$1,190	10%
77033	$10,811	$1,206	10%
77062	$10,778	$1,106	9%

Top ten cheapest ZIP codes

The least expensive ZIP code in Texas for home and auto insurance bundling is 78076 at an average rate of $5,590.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
78076	$5,590	$735	12%
78759	$5,928	$743	11%
78703	$5,954	$735	11%
78839	$5,959	$775	12%
78756	$5,969	$746	11%
78731	$5,975	$752	11%
78757	$5,975	$739	11%
78729	$5,977	$747	11%
78749	$5,990	$749	11%
78735	$5,994	$755	11%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Texas by city

See rates in your city

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 2 companies and 298 ZIP codes.

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in Texas?

Bundling home and auto insurance in Texas can help reduce costs and make policy management easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and separate quotes. Coverage can also vary, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in Texas?

Switching to a bundle is straightforward and often happens when one policy comes up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your current one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, check the total cost, coverage details, and the insurer’s reputation. It’s important to choose a licensed company with dependable claims handling, since the lowest price may not always offer the best protection (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. May 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.