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Best cheap homeowners insurance in Corpus Christi

Updated Apr 29, 2024
USAA, Amica, Nationwide, Allstate and Texas Farm Bureau are the best home insurance options in Corpus Christi, according to Bankrate’s research.
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Best cheap home insurance companies in Corpus Christi

Corpus Christi’s position along the Gulf of Mexico makes it a desirable place for Texas homeowners looking to put down roots along the water. But, its coastal location can make finding affordable home insurance a challenge. Corpus Christi is located in Nueces County, one of 14 counties in Texas where wind damage is an excluded peril for home insurance. In order to be financially protected from wind damage, Corpus Christi homeowners must carry a wind endorsement or policy, either through a private insurance company or the Texas Windstorm Insurance Association (TWIA).

To help homeowners secure coverage for homes, Bankrate’s insurance editorial team did the research into the best home insurance in Corpus Christi. We found that USAA, Amica, Nationwide, Allstate and Texas Farm Bureau are some of the best, affordable options. Each of these providers offers wind insurance, plus, most earned a Bankrate Score over 4.0. Our Bankrate Score takes into account a number of factors, like customer satisfaction scores from J.D. Power, third-party financial strength ratings from AM Best, coverage availability, average rates (when available) and other metrics.

Be aware that the rates below reflect average costs from each carrier for $300,000 in dwelling coverage. When budgeting for home insurance, do not neglect wind insurance, which must be purchased separately. The average cost of wind insurance from the TWIA is $2,000 per year, and data from private providers is not available. The cost of flood insurance should also be considered.

Best for military-focused coverage

Bankrate Score

Rating: 4.7 stars out of 5
4.7

Avg. annual premium

$2,964

$300K dwelling coverage

JD Power

881/1,000

Why USAA made our list: For the third year running, USAA tied for the Best Home Insurance Company Bankrate Award. Its strict eligibility requirements preclude it from J.D. Power rankings, however, the company is a consistent above-average scorer — which is a strong indicator of excellent customer service. Additionally, USAA home insurance policies come with replacement cost coverage already included, which typically costs extra with other insurers.

Why USAA may be best for military-focused coverage: USAA home insurance policies are only available to members of the military and their qualifying family members. USAA offers coverage designed for military families that could be difficult (or even impossible) to find with another provider. Military uniforms and equipment are covered at no deductible for active-duty and reserve members. With a USAA policy, the company can help you secure flood protection through the National Flood Insurance Program (NFIP) or a private provider. Military members stationed at Corpus Christi’s Naval Air Station may be interested in getting a quote.

Scores and Ratings
Bankrate Score 4.7
J.D. Power 881/1,000
AM Best score A++
Read full review
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Best for customer service

Bankrate Score

Rating: 4.6 stars out of 5
4.6

Avg. annual premium

--

$300K dwelling coverage

Not available

JD Power

844/1,000

Why Amica made our list: Amica is a mutual insurer, which means that policyholders have the opportunity to earn dividends on their insurance policies. Typically, these dividends are received as a refund on your premium. Amica also offers its customers a variety of different pre-packaged coverage options with room for customization. Amica’s insurance agents can also help you secure flood insurance through the NFIP or a private provider, depending on your insurance needs. To get a quote from Amica, you will need to contact an agent or visit its website at amica.com.

Why Amica may be the best for customer service: Like USAA, Amica earns consistently high scores from J.D. Power. This is supported by its ultra-low complaint index from the National Association of Insurance Commissioners (NAIC), which indicates that the company receives far fewer complaints than expected.

Scores and Ratings
Bankrate Score 4.6
J.D. Power 844/1,000
AM Best score A+
Read full review
Plus Collapse
Best for budget home insurance

Bankrate Score

Rating: 4.3 stars out of 5
4.3

Avg. annual premium

$2,859

$300K dwelling coverage

JD Power

812/1,000

Why Nationwide made our list: Nationwide’s Better Roof Replacement may appeal to Corpus Christi homeowners. With this endorsement, you can get your roof replaced with higher-quality roofing materials if it is damaged in a covered loss — a plus, considering homes in Corpus Christ can be heavily impacted by wind damage. Nationwide also offers a slew of other insurance lines, like auto, life, umbrella and pet coverage, making it attractive for homeowners looking to house multiple policies under one insurer’s roof. Its Private Client flood endorsement could be a good option for homeowners looking for flood coverage that goes beyond what the NFIP policies offer.

Why Nationwide may be the best for budget home insurance: Nationwide’s home insurance policies are relatively affordable for the Corpus Christi area, making it a good option for homeowners looking to spend less on their coverage. Nationwide was also the 2024 Bankrate Award winner for Best Budget Home Insurance Company, in part for its wide breadth of discounts. Coupled with its low average rates, it could be one of the cheapest home insurance companies in the area.

Scores and Ratings
Bankrate Score 4.3
J.D. Power 812/1,000
AM Best score A+
Read full review
Plus Collapse
Best for customizable policies

Bankrate Score

Rating: 4.2 stars out of 5
4.2

Avg. annual premium

--

$300K dwelling coverage

Not available

JD Power

809/1,000

Why Allstate made our list: Allstate won two Bankrate Awards this year: Best Home Insurance Company (in a tie with USAA) and Best for Bundling Home and Auto Insurance. In addition to local offices throughout Corpus Christi, Allstate also has highly-rated digital tools for customers who prefer to manage their insurance online.

Why Allstate may be the best for customizable policies: Allstate’s additional coverage options are part of what helped it tie for the Best Home Insurance Company Bankrate Award. Homeowners can insure their sports equipment, musical instruments, yards and gardens and other high-value property with Allstate. It also offers homeowners two options for flood insurance: a private policy from its subsidiary, National General, or through the NFIP.

Scores and Ratings
Bankrate Score 4.2
J.D. Power 809/1,000
AM Best score A+
Read full review
Plus Collapse
Best for local agents

Bankrate Score

Rating: 0 stars out of 5
0

Avg. annual premium

$6,245

$300K dwelling coverage

JD Power

--

Not rated

Why Texas Farm Bureau made our list: Although Texas Farm Bureau does not have a Bankrate Score, we felt it was an important addition to our list of the best home insurance companies in Corpus Christi. Its rates are competitive for the area, plus, its low NAIC complaint index is a green flag in terms of customer service and satisfaction.

Why Texas Farm Bureau may be the best for local agents: Texas Farm Bureau could be a great option for Corpus Christi homeowners who prefer to work with a local agency. For some homeowners, local agencies (versus national ones) can be a plus, as agents tend to have unique insights into the insurance needs of the area. However, quotes cannot be gathered online; to get a quote from Texas Farm Bureau, you must contact one of its local agent offices.

Scores and Ratings
Bankrate Score Not rated
AM Best score
Read full review
Plus Collapse
Bankrate logo

Bankrate's trusted insurance industry expertise

Read our full methodology

At Bankrate, we use data from Quadrant Information Services for our average rate data. We update our rates on a monthly basis to give you the most up-to-date information about home insurance costs in Corpus Christi.

46

years of industry experience

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

The cheapest home insurance companies in Corpus Christi

Texas is already an expensive state for home insurance, and Corpus Chrisiti’s coastal position makes home insurance even costlier. Finding cheap home insurance in Corpus Christi may be more difficult — but not impossible. Bankrate’s insurance editorial team has found the cheapest providers in the area for a variety of dwelling coverage limits. For $300,000 in dwelling coverage, our research shows that State Farm, Farmers and Armed Forces some cheap home insurance companies for Corpus Christi homeowners.

Caret Down
Company Average monthly premium* Average annual premium*
$170
$2,041
$184
$2,213
Armed Forces
$192
$2,304
$238
$2,859
*Average rates for policies with $300K in dwelling coverage
Company Average monthly premium* Average annual premium*
$185
$2,041
$215
$2,213
Armed Forces
$212
$2,304
$275
$2,859
Company Average monthly premium* Average annual premium*
$218
$2,611
Armed Forces
$248
$2,979
$282
$3,382
$324
$3,885
Company Average monthly premium* Average annual premium*
$320
$3,845
Armed Forces
$447
$5,368
$488
$5,859
$555
$6,665

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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How much is home insurance in Corpus Christi?

The average cost of home insurance in Corpus Christi is $6,421 per year for $300,000 in dwelling coverage. But, insurance costs may not stop at just a home policy. In Corpus Christi, wind is not a covered policy peril; if your home sustains wind damage, it will not be covered by your home insurance policy. You would need a separate wind policy to be financially protected from wind damage, which could get expensive. Floods, another natural disaster that plagues Corpus Christi homeowners, also won’t be covered by home insurance, and the cost of flood insurance should also be factored into a home insurance budget.

Corpus Christi home insurance rates by credit tier

In Texas, home insurance companies are allowed to consider your credit history when determining how much you pay for your policy. Typically, homeowners with good or excellent credit pay less than homeowners with poor or average credit. This is because homeowners with bad credit are seen as more likely to file insurance claims, which cost insurance companies money. To balance out the added risk, homeowners with poor credit histories generally pay more for their insurance. But, Corpus Christi homeowners with poor credit may find affordable rates from Armed Forces, USAA and Farmers.

Company Poor Credit Average Credit Good Credit Excellent Credit
$5,379
$2,396
$2,041
$1,476
$4,082
$2,341
$2,213
$1,906
Armed Forces
$3,209
$2,406
$2,304
$2,188
$4,102
$3,016
$2,859
$2,491
$3,438
$2,986
$2,964
$2,884

Corpus Christi home insurance rates by home age 

The age of your home also plays a role in home insurance costs. Older homes built with harder-to-source materials tend to pose more of a risk to insurers. Finding these materials after a claim could be more expensive, so insurers typically charge more to account for the added risk. However, our research showed that the companies listed below offer the cheapest home insurance in Corpus Christi for a range of home ages.

Company 1959 1982 1992 2010 2020
$2,643
$2,643
$2,643
$2,567
$1,473
$4,080
$4,165
$4,177
$2,594
$1,971
Armed Forces
$3,342
$3,284
$3,257
$2,713
$1,968
$8,464
$8,472
$8,543
$4,848
$2,148
$4,436
$4,465
$4,434
$3,677
$2,750

Corpus Christi home insurance rates by deductible amount

Building credit can take time, and you cannot change the age of your home. But, for cheaper home insurance, consider raising your deductible. Your deductible is the amount of money you are financially responsible for after a covered claim. A higher deductible usually results in cheaper home insurance, however, be sure not to raise it too high. Your deductible should always remain an amount you can comfortably afford at a moment’s notice. Below, we’ve listed the cheapest rates for insurance companies in Corpus Christi for different deductible levels.

Company $1,500 Deductible $2,000 Deductible $5,000 Deductible
$2,041
$2,041
$1,934
$2,172
$2,135
$2,010
Armed Forces
$2,304
$1,981
$1,825
$2,825
$2,767
$2,460
$2,774
$2,774
$2,403

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Credit: Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.

Year built: Rates were calculated based on the following years built for homes and assigned to our homeowners: “1959, 1982, 1992, 2010, 2016 (base) and 2020.”

Bankrate Score

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance