Powered by Coverage.com (NPN: 19966249)
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.
Best cheap car insurance in Corpus Christi for 2024
Powered by Coverage.com (NPN: 19966249)
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.
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.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: Winner of three 2024 Bankrate Awards for auto insurance, Geico is one of the best car insurance companies overall for customers in Corpus Christi. Its high Bankrate Score reflects its nationwide availability, excellent mobile and online tools and affordable average rates. Even customers with violations or accidents may find cheap rates with Geico. However, the company scored below average for customer satisfaction in the Texas region in the 2023 J.D. Power Auto Insurance Study and lists only one local agent in Corpus Christi.
Why Geico may be best for coverage on a budget: In our analysis, Geico returned some of the cheapest average Corpus Christi rates for both full and state minimum coverage. If cheap coverage is your main priority, it may be worth getting quotes from Geico. Keep in mind, however, that many customers report a tradeoff between prices and customer service, with less-than-stellar customer satisfaction ratings for both service and claims.
| Bankrate Score | 4.4 |
| J.D. Power | 653/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: State Farm offers affordable average rates for both full and minimum coverage and ranked second in Texas for auto insurance customer satisfaction in 2023, according to J.D. Power. State Farm also scored well above the industry average in the 2023 U.S. Auto Claims Satisfaction Study and boasts a robust list of auto insurance discounts for Texas customers, including several discounts aimed at teens and other young drivers.
Why State Farm may be best for local agents: State Farm works with a wide network of local agents in the Corpus Christi area. While the carrier’s mobile tools, including the Drive Safe & Save telematics app, are well rated, State Farm maintains an emphasis on working with agents rather than buying car insurance directly and self-managing your policy via an app. If that approach appeals to you, State Farm may be a good option for you.
| Bankrate Score | 4.3 |
| J.D. Power | 654/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why USAA made our list: With Naval Air Station Corpus Christi providing thousands of jobs in the area, military-focused coverage from USAA may be a significant advantage for local drivers. USAA offers auto coverage for U.S. military members, veterans and their immediate family members with average premiums well below the citywide average for both full and minimum coverage. In addition to auto insurance, USAA provides home insurance and banking services for military families.
Why USAA may be best for military-focused coverage: In addition to cheap base rates for military drivers, USAA offers certain discounts that may prove advantageous for military members, such as discounted premiums for vehicles in storage during a deployment and incentives for drivers who garage a car on a military installation.
| Bankrate Score | 4.2 |
| J.D. Power | 710/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Mercury made our list: Local agents, low average rates and a strong list of discounts put Mercury on our list of the best Texas car insurance carriers for Corpus Christi. Mercury offers a telematics program called RealDrive that could lower rates for safe drivers and guarantees repairs performed by an authorized repair shop.
Why Mercury may be best for rideshare coverage: Drivers who work for a transportation network company (TNC), such as Uber or Lyft, may need additional coverage to cover gaps between their personal auto policy and the insurance offered by rideshare companies. While many carriers don’t offer this type of rider, Mercury does, with rates starting at $0.90 per day for many customers.
| Bankrate Score | 3.8 |
| J.D. Power | |
| AM Best score | A |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Allstate made our list: Allstate ranks among the cheapest car insurance providers in the Corpus Christi area, according to the latest data analyzed by Bankrate’s insurance editorial team. Allstate also offers unique advantages for some drivers, such as classic car coverage, vehicle protection plans and discounts for new car owners.
Why Allstate may be best for bundled policies: Customers who bundle an auto insurance policy with Allstate’s highly-rated home insurance product may be eligible for discounts of up to 25 percent. Even if you’re not a homeowner, you can save by bundling condo or renters insurance with Allstate.
| Bankrate Score | 3.9 |
| J.D. Power | 646/1,000 |
| AM Best score | A+ |
Bankrate's trusted insurance industry expertise
Read our full methodologyBankrate’s insurance editorial team is made up of insurance industry professionals, including licensed agents with decades of combined experience. To ensure that our recommendations are based on the best information available, we source average premium data from Quadrant Information Services, an industry leader for property and casualty insurance pricing information.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in Corpus Christi
According to Bankrate’s research, Mercury, USAA and Geico are the cheapest average car insurance carriers in Corpus Christi for state minimum coverage as of July 2024. 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.
| Insurance company | Average annual min coverage premium | Average annual full coverage premium |
|---|---|---|
|
$506
|
$1,705
|
|
|
$501
|
$1,707
|
|
|
$518
|
$1,745
|
|
|
$691
|
$1,889
|
|
|
$479
|
$1,896
|
How much is car insurance in Corpus Christi, Texas?
The average cost of car insurance in Corpus Christi, Texas is $2,303 per year for full coverage and $705 for state minimum coverage. For drivers who need full coverage, that’s approximately 4 percent less than the Texas average and 1 percent more 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 $6,439 for a standalone full coverage policy, compared to an average of $4,309 to keep an 18-year-old on their parents' policy.
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$1,149
|
$1,020
|
|
|
$1,268
|
$924
|
|
|
$1,316
|
$1,183
|
|
|
$1,463
|
$1,199
|
|
|
$1,475
|
$940
|
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$3,347
|
$2,974
|
|
|
$3,605
|
$3,005
|
|
|
$3,712
|
$3,373
|
|
|
$4,033
|
$3,457
|
|
|
$4,068
|
$2,839
|
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 $5,015 per year for a standalone full coverage policy at age 20 and $3,077 per year for the same policy at age 25.
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$865
|
$652
|
|
|
$1,095
|
$584
|
|
|
$1,217
|
$624
|
|
|
$1,354
|
$769
|
|
|
$1,791
|
$1,120
|
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$2,770
|
$2,218
|
|
|
$3,388
|
$1,986
|
|
|
$3,607
|
$1,937
|
|
|
$4,352
|
$2,715
|
|
|
$5,269
|
$3,742
|
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 $2,543 at age 30 and $2,190 at age 50.
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$520
|
$506
|
$498
|
|
|
$530
|
$518
|
$522
|
|
|
$554
|
$501
|
$504
|
|
|
$598
|
$479
|
$532
|
|
|
$715
|
$712
|
$688
|
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$1,667
|
$1,705
|
$1,569
|
|
|
$1,802
|
$1,745
|
$1,679
|
|
|
$1,937
|
$1,707
|
$1,665
|
|
|
$2,139
|
$1,889
|
$1,908
|
|
|
$2,276
|
$1,896
|
$1,935
|
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 $2,143 per year for full coverage in Corpus Christi, while a 70-year-old pays an average of $2,324.
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$481
|
$602
|
|
|
$483
|
$601
|
|
|
$496
|
$624
|
|
|
$497
|
$526
|
|
|
$651
|
$712
|
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$483
|
$1,719
|
|
|
$497
|
$1,675
|
|
|
$496
|
$1,852
|
|
|
$481
|
$2,010
|
|
|
$658
|
$2,199
|
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 $2,656 per year for full coverage and $814 for state minimum coverage — roughly 15 percent more than the average for drivers with clean records.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$572
|
$1,856
|
|
|
$585
|
$2,001
|
|
|
$603
|
$1,933
|
|
|
$718
|
$2,488
|
|
|
$778
|
$2,914
|
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 57 percent more for full coverage, for an annual average of 3,620.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$683
|
$2,131
|
|
|
$704
|
$2,255
|
|
|
$865
|
$2,809
|
|
|
$1,129
|
$3,503
|
|
|
$1,131
|
$3,080
|
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 $3,557 per year for full coverage and $1,172 for minimum coverage. That’s 54 percent more than the citywide average for full coverage and 66 percent more for minimum coverage.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$765
|
$2,771
|
|
|
$794
|
$2,395
|
|
|
$802
|
$2,603
|
|
|
$825
|
$2,344
|
|
|
$880
|
$2,619
|
Minimum coverage requirements in Corpus Christi
Texas law requires all drivers in Corpus Christi to carry at least the following minimum car insurance coverage:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
In addition to minimum liability coverage, your insurance company must offer both uninsured/underinsured motorist coverage and personal injury protection. If you choose not to have this coverage on your policy, you’ll need to reject it in writing, but most insurance professionals recommend keeping it and raising your liability limits beyond the state’s minimum requirements.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze July 2024 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 2022 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 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.
-
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 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 a company’s corporate sustainability efforts.
