Top-Rated Home and Auto Insurance Companies in Texas
USAA: Best for Military Families
USAA tied for Best Home Insurance Company Overall in the 2025 Bankrate Awards for its low average rates and highly-rated customer service. USAA scored 737 out of 1,000 in J.D. Power's 2025 U.S. Home Insurance Study, the highest score among all insurers. Available exclusively to military members, veterans, and their families, USAA consistently tops satisfaction ratings for both auto and home insurance. USAA is the best bundle insurance company overall for military members and their families, and has the 2nd lowest rates possible in the state.
State Farm: Best Overall for Most Texans
State Farm has the cheapest overall home and auto insurance rates and is the top pick for non-military affiliated drivers, offering the largest selection of discounts with a 26% bundling discount. In 2025, J.D. Power rated State Farm above-average in Texas for customer satisfaction, and it placed sixth overall in J.D. Power's 2024 claims satisfaction study. State Farm scored 657 out of 1,000 in J.D. Power's 2025 U.S. Home Insurance Study, exceeding the industry average. With over 100 years in business and the largest home insurer market share nationally, State Farm provides reliable service through an extensive network of local agents.
Texas Farm Bureau: Best for Local Service
Texas Farm Bureau is a Texas-specific company with very high customer satisfaction ratings and some of the cheapest average rates for most driver profiles in Texas, with an NAIC Complaint Index of 0.73, indicating it receives fewer complaints than average. As a regional insurer focused exclusively on Texas, Farm Bureau provides personalized, localized service through its agent network. The company offers comprehensive coverage for auto, home, farm, ranch, commercial, and life insurance, making it ideal for Texans who value a hometown approach.
Other Top-Rated Options
Mercury: Known for affordability and specializing in high-risk drivers, Mercury offers competitive bundle discounts up to 15% on home and 14.5% on auto policies.
Nationwide: Features excellent digital tools and above-average claims satisfaction, making it ideal for tech-savvy consumers who prefer managing policies online.
Geico: Offers the lowest rates in Texas for both full coverage and liability-only policies, with nearly two dozen available discounts.
Key Selection Factors
When choosing an insurer, Texans should consider customer satisfaction ratings from J.D. Power, complaint indexes from the NAIC or the National Association of Insurance Commissioners, financial strength ratings from AM Best, available discounts, local agent availability, and digital capabilities. Shopping quotes from at least three companies ensures you find the best combination of price, coverage, and service for your specific needs.
