Who Has Affordable Corpus Christi Auto Insurance for Drivers with a Bad Driving Record?

This would be a quick read if we could simply give you the name of the single best car insurance company that has the best car insurance rates in Texas. Unfortunately, it’s just not that easy, as there are a whole slew of unknown factors such as the safety features built into your vehicle, how experienced of a driver you are, whether you are male or female, and what deductibles to use for physical damage coverage, that all help calculate your car insurance rates. We will attempt to cover the best ways to avoid overpriced car insurance and will hopefully give you a good beginning to your quest for cheaper car insurance in Corpus Christi.

One of the more important things that are looked at to help calculate the annual cost of car insurance is where you normally keep your vehicle in Corpus Christi. Cities with more crime and/or more people likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The table below ranks the most costly cities in Texas for drivers with a bad driving record to buy an auto insurance policy in. Corpus Christi shows up at #19 with the annual price of $1,620 for the average policyholder, which is around $135 per month.

How much is auto insurance in Corpus Christi, TX?
Rank City Annual Rate
1 McAllen $1,956
2 Brownsville $1,927
3 Laredo $1,889
4 Amarillo $1,858
5 Dallas $1,855
6 Houston $1,853
7 Garland $1,850
8 Pasadena $1,794
9 Grand Prairie $1,757
10 Mesquite $1,753
11 Beaumont $1,720
12 Irving $1,719
13 San Antonio $1,688
14 Lubbock $1,665
15 Austin $1,659
16 Arlington $1,642
17 Plano $1,624
18 Fort Worth $1,621
19 Corpus Christi $1,620
20 McKinney $1,609
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Rate information is approximated as the specific zip code location can decrease or increase prices noticeably.

The make and model of vehicle to be insured is a large consideration when comparing quotes for affordable insurance for drivers with a bad driving record. Vehicles with economical engines, modern passenger safety features, or a low likelihood of liability claims will cost quite a bit less to insure than high performance models.

The information below illustrates coverage prices for a handful of the most budget-friendly automobiles to insure in Texas.

Cheapest Vehicles to Insure in Corpus Christi, TX
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $3,461
Honda Accord EX 4-Dr Sedan $3,603
Ford Escape Limited 2WD $3,607
Toyota Prius $3,845
Ford Explorer XLT AWD $3,910
Dodge Grand Caravan SE $4,025
Volkswagen Jetta 2.0T Station Wagon $4,065
Jeep Wrangler Rubicon 4WD 2-Dr $4,081
Toyota Tacoma Double Cab 4WD $4,096
Ford Edge SE AWD $4,178
Ford Focus S 4-Dr Sedan $4,183
Chevrolet Equinox LS AWD $4,221
Chevrolet Malibu LS $4,231
Toyota RAV4 2WD $4,221
Chevrolet Impala LT $4,230
Nissan Altima 2.5 4-Dr Sedan $4,265
Ford F-150 Lariat Super Cab 4WD $4,312
Hyundai Elantra Blue 4-Dr Sedan $4,374
Toyota Corolla S $4,416
Honda Odyssey EX-L W/Navigation $4,424
Chevrolet Silverado LT Extended Cab 2WD $4,454
GMC Sierra SLT Crew Cab 2WD $4,496
Jeep Grand Cherokee Limited 4WD $4,506
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Premium data assumes single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rates do not factor in specific zip code location which can revise premium rates greatly.

Based upon these rates, we can assume that makes and models like the Honda CR-V, Honda Accord, and Ford Escape are a few of the most economical vehicles to insure for bad drivers. The cost of auto insurance will tend to be more expensive anyway just because there is more liability exposure for drivers with a bad driving record, but in general those makes and models will most likely have the lowest insurance prices possible.

Finding out which company offers the cheapest insurance rates for drivers with a bad driving record takes a little more effort in order to find coverage that fits your budget. Each auto insurer has their own formula for filing rates in each state, so to begin we’ll rank the most affordable insurance companies in Texas.

It’s a good idea to be aware that Texas insurance rates are impacted by many factors which can substantially change the price you pay. Getting older, buying a home, or getting a couple of tickets can produce rate changes resulting in some companies being much cheaper than others.

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,128
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,244
5 Esurance $1,421
6 California Casualty $1,424
7 Mercury $1,476
8 State Farm $1,510
9 Safe Auto $1,549
10 Nationwide $1,553
11 Allstate $1,667
12 Progressive $1,715
13 Amica $1,723
14 Home State $2,092
15 GEICO $2,156
16 MetLife $2,161
17 Encompass $2,255
18 Unitrin $2,264
19 21st Century $2,396
20 Titan $2,568
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Travelers may have some of the most affordable car insurance rates in Corpus Christi at around $1,010 annually. This is $894 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the more affordable Corpus Christi, TX car insurance companies.

In the above rates, if you currently have coverage with Esurance and switched to USAA, you could earn savings of about $293. Insureds with California Casualty might save as much as $296 a year, and Mercury insureds might realize rate reductions of up to $348 a year.

If you want to see how much you could save, click here to start a quote or visit any of the low-priced companies below.

Bear in mind that those prices are averaged across all drivers and vehicles in Texas and and are not calculated with a specific zip code for drivers with a bad driving record. So the auto insurance company that is best for you may not even be in the top 23 companies in the list above. That illustrates why you need to compare rates from multiple companies using your own specific driver information and vehicle.

Should you buy full coverage?

Finding cheaper insurance should be important to most people, and one easy way to find cheap insurance for drivers with a bad driving record is to not buy comprehensive and collision coverage. The diagram below visualizes the comparison of premium costs with full physical damage coverage and with liability coverage only. The rates are based on no violations or claims, $500 deductibles, single marital status, and no other discounts are factored in.

If we average the cost for all age groups, full coverage on your policy costs an extra $2,431 per year over having just liability coverage. That is a large expense which might make you wonder if physical damage coverage is worth the money. There is no set guideline of when to eliminate physical damage insurance, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

There are a few cases where only buying liability is not financially feasible. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Which insurance company is best in Texas?

Buying coverage from a good quality insurance company is hard considering how many different insurance companies sell coverage in Texas. The ranking data listed below can help you analyze which companies you want to consider when looking for cheaper rates. These ratings are for the companies with a significant amount of written premium nationwide, so companies without a large exposure are not taken into consideration for this list.

Top Ten Insurance Companies for Drivers with a Bad Driving Record in Corpus Christi, TX
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

Why you should compare rates

Corpus Christi insurance rates are influenced by many factors that control the policy price. Simply turning a year older, buying a different home, or getting a speeding ticket may generate price changes that can make some companies cheaper than others.

Not only that, but insurers amend pricing without warning to reflect underwriting profits or losses. A period of increased losses can cause higher prices, while a profitable period may cause more affordable Corpus Christi car insurance rates.

For instance, the chart below shows which companies have the cheapest car insurance in Corpus Christi, TX for a 30-year-old male driver with no prior accidents, a clean driving record, and great credit. If we estimate prices based on his current rating profile, Travelers might offer the best car insurance rates in Corpus Christi at $1,134 per year. This is $770 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the best Corpus Christi, TX auto insurance companies.

In this example, we will give the driver from the first example some claims, poor credit, and a stop sign violation. Due to the fact that every insurance company has their own guidelines for determining rates in each state, comparing quotes may result in a new list of the cheapest car insurance companies in Corpus Christi as shown below.

State Farm now has the cheapest rate in Corpus Christi with Mercury, USAA, Safe Auto, and Nationwide also having competitive pricing. This demonstrates why it is crucial to take the time to shop around to find the cheapest car insurance quotes for drivers with a bad driving record. Car insurance prices can be determined by many risk factors and can decrease or increase without notice, so the best price the last time you compared rates may now be priced much higher than other options.