One of the more important components that aid in calculating the annual cost of car insurance is the neighborhood you call home in Corpus Christi. More populated areas tend to have higher rates, whereas areas with less congestion profit from lower rates.
The following table shows the priciest cities in Texas for 17 year olds to buy auto insurance in. Corpus Christi is listed at #22 with a yearly premium of $1,572 on average, which is approximately $131 each month.
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Information shown are estimated as specific Corpus Christi zip code can increase or decrease premiums considerably.
Shopping around for low-cost car insurance is difficult, and determining which company offers the lowest-priced auto insurance rates for 17 year olds calls for more quotes for comparison. Each insurer has their own process to establish rates, so to begin we’ll rank the auto insurance companies with the overall best prices in Texas.
It’s important to know that Corpus Christi auto insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay. Things like getting older, moving across town, or getting a ticket for careless driving can produce rate changes that can cause some rates to be cheaper in comparison to the competition.
Best Cheap Insurance Rates for Teens
|Rank||Company||Cost Per Year|
|4||Texas Farm Bureau||$1,247|
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Travelers offers some of the best car insurance rates in Corpus Christi at around $1,021 per year. USAA, Germania Mutual, Texas Farm Bureau, and Esurance also rank well as some of the lowest-priced Corpus Christi, TX car insurance companies.
As the example above demonstrates, if you currently have coverage with Texas Farm Bureau and switched to USAA, you might see a yearly price reduction of upwards of $119. Policyholders with Esurance could save as much as $237 a year, and California Casualty customers might see rate reductions of $254 a year.
Remember that these rates are averages across all ages of drivers and types of vehicles and do not take into consideration an exact location for 17 year olds. So the insurer that can offer the best rates for your situation may not even be in the top 23 companies in the list above. That’s why you need to compare as many prices as possible using your own specific driver and vehicle information.
The type of vehicle that is being insured is a significant factor that determines the availability of the most affordable auto insurance for 17 year olds. Vehicles with limited top-end speed, an excellent safety record, or low incidents of liability claims will cost less to insure than high performance models. The information below illustrates coverage rates for the most cost-effective vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$3,765|
|Ford Escape Limited 4WD||$4,050|
|Volkswagen Jetta S 2.5 Station Wagon||$4,056|
|Jeep Wrangler Sahara 4WD 2-Dr||$4,222|
|Dodge Grand Caravan SE||$4,231|
|Ford Explorer Eddie Bauer 2WD||$4,222|
|Ford F-150 STX Regular Cab 4WD||$4,232|
|Honda Odyssey EX||$4,429|
|Honda Civic DX 4-Dr Sedan||$4,436|
|Jeep Grand Cherokee Laredo 2WD||$4,468|
|Toyota RAV4 2WD||$4,474|
|Ford Focus SEL 4-Dr Sedan||$4,675|
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Table data represents single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in zip code location which can lower or raise premiums noticeably.
Based upon these rates, you can expect models like the Honda CR-V, Ford Escape, Volkswagen Jetta, and Toyota Prius are most likely going to be some of the less-costly vehicles to insure for teen drivers. Auto insurance rates will be more costly because of the fact that there is a higher risk for 17 year olds, but overall those particular vehicles will have the least expensive rates compared to other types of vehicles.
Get discount Corpus Christi insurance
Insurance providers that sell policies for 17 year olds may additionally offer premium discounts that can lower rates by as much as 40% or more if you qualify for them. The best auto insurance companies and a partial list of their discounts can be read below.
- State Farm may offer discounts for Steer Clear safe driver discount, safe vehicle, good student, good driver, accident-free, and defensive driving training.
- GEICO may include discounts for anti-lock brakes, good student, membership and employees, defensive driver, emergency military deployment, driver training, and federal employee.
- SAFECO includes discounts for drive less, teen safe driver, homeowner, multi-car, teen safety rewards, anti-theft, and anti-lock brakes.
- Farmers Insurance policyholders can earn discounts including alternative fuel, bundle discounts, youthful driver, mature driver, business and professional, and teen driver.
- AAA has savings for AAA membership discount, good student, good driver, anti-theft, multi-car, multi-policy, and education and occupation.
- USAA discounts include multi-policy, new vehicle, safe driver, family discount, and good student.
The diagram below illustrates the difference between insurance rates with and without discounts being applied to the rates. The rate quotes are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with paperless filing, vehicle safety, passive restraint, anti-theft, paid-in-full, and continuous coverage discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for 17 year olds is 28% or $716.
Difference between full coverage and liability only rates
Finding cheaper auto insurance is the goal of most drivers, and one of the easiest ways to find cheap insurance for 17 year olds is to buy liability only. The illustration below illustrates the comparison of yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no accidents or driving violations, $1,000 deductibles, single marital status, and no discounts are factored in.
As an average, full coverage on your policy costs an additional $2,131 per year over liability only. That is a large expense and it proposes the question if buying full coverage is a good investment. There is no exact formula of when to exclude full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s say your vehicle’s replacement cost is $7,500 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,500 after paying the physical damage deductible. If you are currently paying more than $650 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some circumstances where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
How to find economical auto insurance for 17 year olds
The list below summarizes a few thrifty ideas that can help drivers quote more affordable coverage.
- Clean up your credit
- Being accident-free can lower rates significantly
- Try to remain claim-free
- Raise your deductibles
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Buying home and auto together can help save money
- Shop around and save
The last item on the list is particularly vital, as was affirmed in this write-up. Insurance rates in Corpus Christi change a lot, so drivers shouldn’t be reluctant to change insurance companies if a more affordable rate is found.
We understand brand loyalty, but it’s not a good idea if that faithfulness ends up costing you lots of hard earned cash every month. Now is a great time to compare rates and find cheaper auto insurance for 17 year olds.
The auto insurance agents in Corpus Christi shown below can help you decide which coverages are best, since lots of people like to have a consultation when trying to find the best insurance rates for 17 year olds. It can be time-consuming to do it yourself, and getting advice from a licensed agent can provide comfort knowing your policy gives you adequate protection in case of an accident or claim.
To find an agent nearest to you, click the button link following the list or click here to compare price quotes.
- Lancaster and Bay Insurance Agency
3124 S Alameda St – Corpus Christi, TX 78404 – (361) 853-0405
- Borden Insurance
210 S Carancahua St Fl 4 – Corpus Christi, TX 78401 – (361) 882-6543
- Allstate Insurance: Jill Reed
4411 S Alameda St a – Corpus Christi, TX 78412 – (361) 452-8055