Auto And Renters Insurance Bundles In Texas 2025

In Texas, the average bundled auto and renters insurance policy costs around $1,350 annually.

Best Auto and Renters Insurance Bundle In Texas

Though only available for military members and their families, USAA takes the top spot for bundled auto and renters insurance in Texas, thanks to its combination of competitive pricing and excellent service. Nationwide and State Farm follow closely, offering strong coverage and well-known reliability. Here’s how the leading national carriers stack up.

Cheapest Auto And Renters Insurance Bundle In Texas

This list includes both well-known national carriers and smaller companies that focus on serving Texans. Regional insurers like Texas Farm Bureau and Bluefire often compete aggressively on price, while big names like USAA, Nationwide, and State Farm offer the convenience of national networks and broad coverage options.

Together, they represent some of the most affordable ways to bundle auto and renters insurance in Texas.

How To Save Money On Your Auto And Renters Insurance

One of the easiest ways to save money on auto and renters insurance is to bundle both policies with the same company. Most insurers offer a multi-policy discount, and while the savings vary, it’s often enough to make a noticeable difference.

Beyond bundling, raising your deductible can lower your monthly premium. Just make sure you have enough set aside to cover that higher out-of-pocket cost if you need to file a claim. Maintaining a good credit score also matters in Texas because many insurers use credit-based insurance scores when setting rates.

Another strategy is to shop your policies regularly. Rates can change year to year, and loyalty doesn’t always mean the lowest price. Insuranceopedia can provide quotes for you from at least three different insurers every 12 to 18 months to make sure you’re still getting a competitive deal.

Ask your chosen insurer about lesser-known discounts as well—many carriers offer savings for things like being claim-free, taking a defensive driving course, installing anti-theft devices, or setting up automatic payments.

Finally, look at your coverage limits and make sure they still fit your needs. You don’t want to cut coverage to the point where you’re underinsured, but you may not need add-ons that duplicate benefits you already have elsewhere (like roadside assistance from a credit card). Small adjustments, when combined, can result in meaningful savings over time while keeping you properly protected.

Should I Bundle Auto And Renters Insurance?

Bundling auto and renters insurance can be a smart move for many people, but it’s not always the right choice for everyone. The main advantage is cost savings, most insurers offer a multi-policy discount that can lower your premiums on both auto and renters coverage.

Bundling also simplifies your life, since you deal with one company, one bill, and often one point of contact for claims. This works especially well for drivers with good records and renters with average coverage needs, who stand to save the most without sacrificing protection.

That said, bundling isn’t always the cheapest route. If you have a unique situation, like a high-value car that qualifies for specialty coverage or renters insurance that requires very high liability limits, you might find a better deal by mixing and matching carriers.

People with tickets or accidents on their record should also shop carefully, since the bundling discount might not outweigh the higher auto premium from a single insurer.

Bundling makes the most sense if you have a clean driving history, average credit, and no unusual coverage needs. It may make more sense to keep your policies separate if you can get a much cheaper auto policy from a company that doesn’t offer renters insurance, or if your renters insurance needs are so minimal that the discount barely moves the needle.

The key is to compare quotes both ways, bundled and unbundled, so you can make a decision based on total cost and coverage quality.