Best & Cheapest Homeowners Insurance in Corpus Christi, TX For 2025
Progressive offers the cheapest homeowners insurance to homeowners in Corpus Christi, with an average annual quote of $1,020.
We’ve saved shoppers an average of $450 per year on their home insurance.
In Corpus Christi, Progressive provides the cheapest policy, with average annual rates of $1,020. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.
Corpus Christi experiences approximately 354 residential burglaries annually. Additionally, Corpus Christi’s rates climb with hurricane winds, flood-zone maps, older wood-frame roofs, termite trouble, and rising rebuild costs.
To help people navigate the tough home insurance market, I researched several options to find you the best and cheapest home insurance companies in Corpus Christi, TX.
Key Takeaways
Progressive provides the cheapest home insurance policy in Corpus Christi, at an average annual rate of $1,020
The average cost of homeowners insurance in Corpus Christi is $2,470 per year.
There are various ways to save on your premiums, such as shopping around for quotes and re-assessing your coverage needs.
Cheapest Homeowners Insurance In Corpus Christi
Progressive is the cheapest overall carrier for homeowners insurance in Corpus Christi, TX, with an average annual rate of $1,020.
| Company | Annual Premium |
| State Farm | $4,438 |
| USAA | $1,740 |
| Progressive | $1,020 |
| Texas Fair Plan Association | $3,170 |
| Travelers | $2,960 |
Cheapest Homeowners Insurance In Corpus Christi If You Have Poor Credit
If your credit score is poor, Farmers provides the most affordable solution, with an average annual rate of $875.
| Insurance Company | Average Annual Premium |
| USAA | $948 |
| Nationwide | $1,695 |
| Farmers | $875 |
| Texas Farm Bureau | $1,345 |
| Lighthouse Property | $1,275 |
Cheapest Homeowners Insurance In Corpus Christi For Older Homes
For those with older homes, State Auto offers the cheapest rates, averaging $530 per year.
Older homes often come with unique risks and maintenance issues, which can drive up insurance costs.
| Insurance Company | Average Annual Premium |
| State Farm | $1,730 |
| Farmers | $658 |
| State Auto | $530 |
| Nationwide | $1,160 |
| USAA | $730 |
Cheapest Homeowners Insurance For Newly Constructed Homes
If you’re the proud owner of a newly constructed home, Progressive offers the most cost-effective solution, with an average annual rate of $968.
| Insurance Company | Average Annual Premium |
| Progressive | $968 |
| Farmers | $1,089 |
| USAA | $1,647 |
| Republic Indemnity | $1,963 |
| Texas Farm Bureau | $3,879 |
Cheapest Home Insurance In Corpus Christi For A History Of Claims
For homeowners with a history of claims, USAA provides an affordable solution, with an average annual rate of $752.
A history of claims can raise red flags for insurers, often leading to higher premiums.
| Insurance Company | Average Annual Premium |
| State Farm | $1,730 |
| Nationwide | $2,420 |
| USAA | $752 |
| Farmers | $920 |
| State Auto | $1,050 |
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Best Homeowners Insurance Companies In Corpus Christi, TX
To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Corpus Christi, TX. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability.
Take a look at our comparison chart below and find the perfect fit for your home insurance needs.
| Company | Annual Premium |
| Progressive | $1,018 |
| Farmers | $1,115 |
| USAA | $1,727 |
| Republic Indemnity | $1,995 |
| Texas Farm Bureau | $4,055 |
How Much Is Homeowners Insurance In Corpus Christi, TX?
The average cost of home insurance in Corpus Christi is approximately $2,470 per year. It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.
As you can see below, rates in Corpus Christi are more expensive than the National average. However, they are lower than the Texas State average.
| Area | Average Monthly Rate |
| National | $1,820 |
| Texas | $2,540 |
| Corpus Christi | $2,470 |
Average Corpus Christi Home Insurance Rates By ZIP Code
The cost of homeowners insurance in Corpus Christi, TX can vary significantly based on the ZIP code.
The table below showcases average rates for different zip codes in Corpus Christi.
| ZIP Code | Average Annual Premium |
| 78415 | $2,548 |
| 78413 | $2,696 |
| 78418 | $2,182 |
| 78412 | $2,438 |
| 78414 | $2,456 |
Cheapest ZIP Codes For Home Insurance In Corpus Christi
At $2,182 per year, the ZIP code 78418 is the cheapest average ZIP code for home insurance in Corpus Christi.
| ZIP Code | Average Annual Premium |
| 78419 | $2,190 |
| 78412 | $2,438 |
| 78402 | $2,441 |
| 78401 | $2,237 |
| 78418 | $2,182 |
Most Expensive ZIP Codes For Home Insurance In Corpus Christi
The most expensive ZIP code in Corpus Christi is 78413, at an average annual premium of $2,696.
| ZIP Code | Average Annual Premium |
| 78408 | $2,558 |
| 78416 | $2,549 |
| 78405 | $2,548 |
| 78407 | $2,551 |
| 78413 | $2,696 |
Average Home Insurance Rates In Corpus Christi, TX By Deductible Amount
The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Corpus Christi, TX. Generally, a higher deductible means lower premiums, but you’ll pay more out of pocket if you need to make a claim.
Here’s how the average home insurance rates in Corpus Christi fluctuate with insurers for different deductible amounts:
| Insurer | Annual Rate for $500 Deductible | Annual Rate for $1,000 Deductible | Annual Rate for $1,500 Deductible |
| Progressive | $1,073 | $1,018 | $959 |
| Farmers | $1,176 | $1,115 | $1,042 |
| USAA | $1,798 | $1,727 | $1,645 |
| Travelers | $3,102 | $2,953 | $2,778 |
| Texas Farm Bureau | $4,238 | $4,055 | $3,837 |
Average Home Insurance Rates In Corpus Christi, TX By Coverage Amount
One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.
The below table outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.
| Dwelling Coverage Amount | Average Annual Premium |
| $200,000 | $1,718 |
| $250,000 | $2,010 |
| $300,000 | $2,468 |
| $350,000 | $2,835 |
| $400,000 | $3,188 |
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Compare Home Insurance Rates To Other Cities In Texas
The following table shows the average rates of home insurance across various cities in Texas.
| City | Annual Premium |
| Arlington | $3,795 |
| Austin | $2,187 |
| Dallas | $3,600 |
| Fort Worth | $4,092 |
| Odessa | $3,346 |
| Houston | $3,742 |
| Amarillo | $3,830 |
| El Paso | $1,890 |
| Dallas | $3,600 |
| San Antonio | $2,320 |
Bundle Home With Auto Insurance
Bundling your homeowner’s insurance with your auto insurance is a popular way to lower premiums. Many insurance providers offer discounts when you combine multiple policies, as they see it as an opportunity to retain you as a customer across different types of coverage. The savings from bundling can vary, but it’s common to see discounts ranging from 5% to 15% on your home insurance premium.
This method can be especially useful for homeowners who already have an auto insurance policy. By consolidating both policies with the same insurer, you simplify your insurance management and may receive better overall customer service. In addition to lower premiums, bundling may also provide more flexible payment options and potentially higher coverage limits.
Before deciding to bundle, it’s important to compare the total cost of bundling with the cost of purchasing separate policies. While bundling may offer discounts, it’s still worth ensuring that each individual policy provides the coverage you need at a reasonable rate.
How To Get Homeowners Insurance In Texas
With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.
Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.
