Best cheap car insurance in Corpus Christi for 2025

The best cheap car insurance companies in Corpus Christi

The best car insurance company in Corpus Christi will be different for every driver — but Bankrate’s insurance editorial team compiled a list of the best carriers for the average driver with a clean record based on premium data from Quadrant Information Services as well as our Bankrate Score evaluations. Each carrier received a score on a five-point scale to quickly capture how well it typically meets its customers’ needs in terms of affordability, coverage, claims handling and more. According to our research, Geico, State Farm and USAA top the list of the best Texas auto insurers for drivers in Corpus Christi.

The cheapest car insurance companies in Corpus Christi

According to Bankrate’s research, USAA, Geico and Mercury are the cheapest average car insurance carriers in Corpus Christi for state minimum coverage as of May 2025. Keep in mind that while these carriers may be the cheapest for our base profile — 40-year-old drivers with clean records and a Toyota Camry — you may find cheaper rates with another company depending on your age, driving record, vehicle type and other rating factors. It’s also wise to keep in mind the possible trade-offs between low rates and other factors, such as customer service.

How much is car insurance in Corpus Christi, Texas?

The average cost of car insurance in Corpus Christi, Texas is $2,500 per year for full coverage and $760 for state minimum coverage. For drivers who need full coverage, that’s approximately 4 percent less than the Texas average and 7 percent less than the national average. However, rating factors like age, driving record and more can impact the exact cost of car insurance for individuals.

Corpus Christi rates for teens

Teen drivers pay some of the highest rates for car insurance in Corpus Christi due to their lack of experience behind the wheel. Keeping a teen driver on the same policy as an experienced parent can help to reduce the cost of coverage. On average, an 18-year-old in Corpus Christi pays $6,862 for a standalone full coverage policy, compared to an average of $4,701 to keep an 18-year-old on their parents' policy.

Corpus Christi rates for young drivers

As you exit your teenage years, your car insurance premiums will typically begin to fall, with a more significant drop after age 25. On average, drivers in Corpus Christi pay $5,461 per year for a standalone full coverage policy at age 20 and $3,252 per year for the same policy at age 25.

Corpus Christi rates for adults

Auto insurance rates tend to stabilize in mid-adulthood as drivers gain more experience and establish their driving record. For drivers with clean records, the average full coverage premium in Corpus Christi is $2,693 at age 30 and $2,362 at age 50.

Corpus Christi rates for senior drivers

Senior drivers pay some of the lowest rates in Corpus Christi for both full and minimum coverage, but insurers may begin to handle pricing differently as drivers enter their 70s. With advanced age, some drivers may develop vision problems, delayed reaction times and other conditions that can raise the chance of an accident, and most individuals experience increased vulnerability to serious injuries. On average, a 60-year-old driver will pay $2,260 per year for full coverage in Corpus Christi, while a 70-year-old pays an average of $2,464.

The cheapest car insurance in Corpus Christi by driving record

A clean driving record may help secure you the cheapest auto insurance rates in Corpus Christi, but many drivers have at least one ticket or accident on their record. Insurance companies charge higher rates for drivers with past incidents due to an increased risk of filing claims.

Car insurance with a speeding ticket in Corpus Christi

A speeding ticket conviction will likely raise your rates with any carrier, but individual insurance carriers may treat speeding convictions differently. On average, a driver with a single speeding ticket in Corpus Christi pays $2,795 per year for full coverage and $846 for state minimum coverage — roughly 12 percent more than the average for drivers with clean records.

Car insurance after an accident in Corpus Christi

An at-fault accident on your driving record signals to insurance companies that you may be more likely to file claims. On average, Corpus Christi drivers with a single at-fault accident pay 56 percent more for full coverage, for an annual average of 3,894.

Car insurance after a DUI in Corpus Christi

A DUI conviction on your driving record can make it difficult to find affordable car insurance coverage in Corpus Christi, so you may need to compare rates from multiple companies in order to find a policy that works for you. In general, we found that a driver with a single DUI in Corpus Christi pays an average of $3,995 per year for full coverage and $1,301 for minimum coverage. That’s 60 percent more than the citywide average for full coverage and 71 percent more for minimum coverage.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

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.

• • Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC). 
  • 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 the discount options listed on each company’s website.
  • Tier 3 (Support): To encompass the many ways an auto 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 in a company’s corporate sustainability efforts.