Best & Cheapest Homeowners Insurance in Corpus Christi, TX For April, 2024

Nationwide offers the cheapest homeowners insurance to homeowners in Corpus Christi, with an average annual quote of $1,376.

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Updated: 08 April 2024
Written by
Bob Phillips
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In our comprehensive review of homeowners insurance providers in Corpus Christi, TX, Nationwide emerges as the most budget-friendly option, with average annual rates of $1,376. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

For instance, if your credit score has taken a hit, Farmers stands out as the most economical choice with an average annual premium of $6,024. In contrast, if your home is on the older side, State Farm rises to the top with its competitive rates of $2,347 per year, and comprehensive coverage.

On the other hand, if you’re the proud owner of a newly constructed home, Allstate offers the most cost-effective solution at $1,392 per year. And for those who’ve had a history of claims, Nationwide again provides an affordable and understanding solution at $4,068 per annum.

Last, if you possess a wealth of personal property that needs protection, Allstate proves to be your best bet, offering extensive coverage at a reasonable $1,946 per year.

Our in-depth analysis at Insuranceopedia is designed to guide you toward the perfect fit for your homeowners insurance needs. By comparing customer ratings, analyzing personal experiences, and presenting comparison charts, we will provide you with all the information necessary to make an informed decision.

How much is homeowners insurance in Corpus Christi, TX?

Nationwide offers the most affordable rate for homeowners insurance in Corpus Christi, at $1,376 annually.

As you can see below, rates in Corpus Christi are more expensive than the National average. They are also higher than the Texas State average.

Area Average Monthly Rate
National $1,820
Texas $3,208
Corpus Christi $4,596

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.

For instance, your personal driving history plays a pivotal role; a record filled with traffic violations or accidents will likely lead to higher premiums than a clean slate. The type and model of your vehicle also come into play, as high-performance or luxury cars typically cost more to insure.

Your geographical location can impact your rates, too, with densely populated urban areas generally facing higher rates due to increased risk of theft or accidents. Even your age and marital status can influence your car insurance premiums.

Cheapest Homeowners Insurance in Corpus Christi, TX 2024

Cheapest Homeowners Insurance in Corpus Christi, TX 2024

Our Methodology

To find the cheapest home insurance rates in Corpus Christi, we analyzed findings from numerous home insurance review sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We’ve used an average of those rates for this review, but each company’s rates change frequently and will vary based on your situation. Also factored into the overall rating is my subjective opinion based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.

66

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

40+

Research Hours

Cheapest homeowners insurance in Corpus Christi, TX

Nationwide emerges as the cheapest overall option for homeowners insurance in Corpus Christi, TX, with an average annual rate of $1,376.

Company Annual Premium
Nationwide $1,376
USAA $6,170
Chubb $7,268
Allstate $1,819
State farm $6,197

The cost of your policy is influenced by many factors, including location, home value, and your claims history. Nationwide offers a balanced blend of affordability and comprehensive coverage.

Cheapest Homeowners Insurance In Corpus Christi If You Have an Older Home

For those with older homes, State Farm offers the cheapest rates, averaging $2,347 per year.

Insurance Company Average Annual Premium
State Farm $2,347
Amica $2,396
USAA $2,873
Mercury $4,739
Chubb $6,285

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs. State Farm offers competitive rates and comprehensive coverage tailored to meet the needs of older homes.

Cheapest Homeowners Insurance If You Have Poor Credit

If your credit score is poor, Farmers provides the most affordable solution, with an average annual rate of $6,024.

Insurance Company Average Annual Premium
Farmers $6,024
USAA $7,143
Travelers $11,940
Chubb $12,545
State Farm $12,791

Your credit score can significantly impact your insurance rates as it’s a key factor insurers consider when calculating risk. Farmers understands that everyone deserves fair coverage, regardless of their financial past.

Cheapest Homeowners Insurance for Newly Constructed Homes

If you’re the proud owner of a newly constructed home, Allstate offers the most cost-effective solution, with an average annual rate of $1,392.

Insurance Company Average Annual Premium
Allstate $1,392
USAA $4,180
State Farm $4,644
Travelers $4,898
Chubb $6,395

New constructions often require different coverage compared to older homes, and Allstate excels in providing affordable policies tailored to these specific needs.

Cheapest Home Insurance In Corpus Christi for a History of Claims

For homeowners with a history of claims, Nationwide provides an affordable solution, with an average annual rate of $4,068.

Insurance Company Average Annual Premium
Nationwide $4,068
Amica $4,136
Chubb $7,813
Mercury $10,465

A history of claims can raise red flags for insurers, often leading to higher premiums. However, Nationwide believes in second chances and offers reasonable rates for those with past claims.

Cheapest Home Insurance Rates for Lots of Personal Property

If you have a wealth of personal property, Allstate offers the cheapest rates, with an average annual rate of $1,946.

Insurance Company Average Annual Premium
Allstate $1,946
Travelers $6,972
Universal North America $4,017
State Farm $6,240
Amica $8,034

The more personal property you have, the higher your coverage needs, which can increase premiums. Allstate provides extensive coverage at reasonable rates, ensuring all your belongings are adequately protected.

Best Homeowners Insurance Companies in Corpus Christi, TX

Choosing the right homeowners insurance is not just a necessity; it’s a strategic decision. With a rich history, Corpus Christi’s homes are as unique as its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates becomes paramount.

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
Nationwide $1,376
USAA $6,170
Chubb $7,268
Allstate $1,819
Farmers $1,394
Universal North America $3,965
Amica $7,915
State farm $6,197

Average Home Insurance Rates by Zip Codes

The cost of homeowners insurance in Corpus Christi, TX can vary significantly based on the zip code. Below are tables showcasing rates for different zip codes in Corpus Christi, along with the five cheapest and most expensive zip codes in the area for annual home insurance premiums.

ZIP Code Average Insurance Premium (Annual)
78410 $2,501
78404 $2,458
78414 $2,453
78418 $2,175
78416 $2,548
78411 $2,473

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
78418 $2,175
78419 $2,187
78412 $2,236
78401 $2,251
78404 $2,458

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
78413 $2,698
78408 $2,556
78416 $2,548
78405 $2,552
78415 $2,557

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. Here’s how the average home insurance rates fluctuate for different deductible amounts:

Deductible Amount Annual Rate
$500 $2,997
$1,000 $2,836
$2,000 $2,578
$5,000 $2,216

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.

Let’s take a closer look at a comparison chart that outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $1,719
$250,000 $2,226
$300,000 $2,467
$350,000 $2,885
$400,000 $3,186

Average Home Insurance Rates in Corpus Christi, TX by Company

Here’s a comparison table showcasing annual premiums from some of the top providers in Corpus Christi:

Company Annual Premium
Nationwide $1,376
USAA $6,170
Chubb $7,268
Allstate $1,819
Farmers $1,394
Universal North America $3,965
Amica $7,915
State farm $6,197

How Much is Homeowners Insurance for Other Cities in Texas?

The following is a  detailed comparison chart that showcases the cheapest companies and their annual premiums across various cities in Texas.

City Annual Premium
Odessa $3,346
Amarillo $3,830
Dallas $3,600
San Antonio $2,320

Getting Online Homeowners Insurance Quotes 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.

FAQs

Who has the cheapest home insurance in Corpus Christi, TX?

The cheapest home insurance in Corpus Christi, Texas, is provided by Nationwide, with an annual premium of $1,376

What is the average cost of home insurance in Corpus Christi, TX?

The average cost of homeowners insurance in Corpus Christi, Texas, is approximately $4,596 per year.

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