The vehicle model needing coverage is one of the biggest factors when trying to find low-priced coverage with multiple speeding tickets. Vehicles with reasonable performance levels, excellent safety ratings, or a positive history of liability claims will cost significantly less to insure than fast, unsafe models. The table below features coverage prices for a handful of the more affordable automobiles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,261 |
| Toyota Prius | $1,402 |
| Honda CR-V EX-L 2WD | $1,426 |
| Ford Focus SE 4-Dr Sedan | $1,468 |
| Jeep Grand Cherokee Laredo 4WD | $1,496 |
| GMC Sierra SLE Crew Cab 2WD | $1,503 |
| Ford Escape XLT 4WD | $1,500 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,515 |
| Toyota Tacoma 4WD | $1,562 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,577 |
| Nissan Rogue S 2WD | $1,603 |
| Ford F-150 XL Super Cab 4WD | $1,641 |
| Chevrolet Equinox LS 2WD | $1,652 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,697 |
| Toyota Camry Hybrid | $1,714 |
| Toyota RAV4 Limited 2WD | $1,737 |
| Nissan Altima 2.5 4-Dr Sedan | $1,744 |
| Toyota Camry LE | $1,737 |
| Chevrolet Impala LT | $1,742 |
| Dodge Ram Crew Cab Sport 4WD | $1,742 |
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Data rating is based on single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can affect coverage prices noticeably.
Based upon these rates, we can presume that cars like the Honda Accord, Toyota Prius, Honda CR-V, and Ford Focus will definitely be some of the cheapest vehicles to insure after a few driving violations.
After a few driving violations, one of the largest components that determine the amount you pay each year for auto insurance is where you keep your car. Areas with high crime rates or more dense population likely pay more, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.
The illustration below rates the most expensive places in Texas with multiple speeding tickets to purchase a policy in. Corpus Christi is ranked #16 with the yearly price of $1,636 for the average insurance policy, which is approximately $136 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,911 |
| 4 | Houston | $1,909 |
| 5 | Laredo | $1,889 |
| 6 | Mesquite | $1,825 |
| 7 | Amarillo | $1,804 |
| 8 | Pasadena | $1,794 |
| 9 | Garland | $1,778 |
| 10 | Irving | $1,772 |
| 11 | Grand Prairie | $1,757 |
| 12 | Lubbock | $1,733 |
| 13 | San Antonio | $1,722 |
| 14 | Beaumont | $1,720 |
| 15 | Arlington | $1,692 |
| 16 | Corpus Christi | $1,636 |
| 17 | Austin | $1,627 |
| 18 | Plano | $1,624 |
| 19 | McKinney | $1,609 |
| 20 | Fort Worth | $1,604 |
| 21 | Carrollton | $1,598 |
| 22 | El Paso | $1,568 |
| 23 | Waco | $1,522 |
| 24 | Killeen | $1,518 |
| 25 | Abilene | $1,499 |
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Information shown are estimated as specific Corpus Christi garaging address can influence premium rates considerably.
Deciding which companies have the most affordable car insurance rates with multiple speeding tickets will involve a little more effort than just comparing a company or two. Every car insurance company has their own process for filing rates in each state, so let’s examine the most budget-friendly car insurance companies in Corpus Christi.
Lowest Insurance Price Quotes with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,597 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,134 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,672 |
| Quote Your Rates Go | ||
Travelers may have some of the best car insurance rates in Corpus Christi at around $1,021 per year. This is $883 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheapest Corpus Christi, TX car insurance companies.
As illustrated above, if you are insured with USAA and switched to Travelers, you may see an annual premium reduction of roughly $96. Texas drivers with Texas Farm Bureau may save as much as $178 a year, and Germania Mutual policyholders might cut rates by $235 a year.
To see if your current coverage is too expensive, click here to start your custom quote or visit any of the low-priced companies below.
Be aware that those premiums are averages for all drivers and vehicles and and are not calculated with an exact zip code location with multiple speeding tickets. So the company that is most affordable for your situation may not even be in the top 23 companies in the list above. That emphasizes why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
Full coverage rates compared to liability-only
Reducing premiums for car insurance should be important to the majority of drivers, and one of the quickest ways to pay less for insurance with multiple speeding tickets is to not pay for full coverage. The chart below compares car insurance rates with full physical damage coverage and with liability coverage only. The prices are based on no claims, a clean driving record, $500 deductibles, drivers are single, and no additional discounts are factored in.
If averaged out across all ages, physical damage insurance costs an extra $2,431 per year over and above liability coverage. Many of you may wonder if you should buy full coverage at all. There is no definitive guideline to eliminate comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
Get discounts on Corpus Christi car insurance rates
Insurance providers that sell policies with multiple speeding tickets could also offer price discounts that could potentially reduce rates by 40% or more if you are eligible to receive them. Companies and their possible discounts are outlined below.
- GEICO has savings for multi-policy, anti-lock brakes, daytime running lights, military active duty, and federal employee.
- MetLife may have discounts that include good student, good driver, accident-free, claim-free, defensive driver, and multi-policy.
- Progressive offers discounts for multi-policy, online signing, multi-vehicle, homeowner, continuous coverage, and good student.
- Travelers offers discounts including continuous insurance, early quote, driver training, good student, home ownership, save driver, and student away at school.
- SAFECO policyholders can earn discounts including teen safety rewards, drive less, safe driver, anti-lock brakes, anti-theft, and homeowner.
- AAA includes discounts for education and occupation, anti-theft, pay-in-full, multi-car, good driver, good student, and AAA membership discount.
The diagram below illustrates the comparison of auto insurance costs with and without policy discounts. The rates are based on a male driver, no at-fault accidents and three violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with paid-in-full, passive restraint, paperless filing, vehicle safety, continuous coverage, and homeowner discounts applied. When discounts are applied, the average savings per year on car insurance with multiple speeding tickets is 28% or $1,007.
The importance of comparing Corpus Christi car insurance rates
Corpus Christi, TX car insurance rates are based on many factors which can substantially decrease or increase the price you have to pay for coverage. Simply turning a year older, filing a claim, or getting a few speeding tickets may cause policy rate changes that can now make some companies cheaper than before.
In addition, auto insurance companies modify rates every year to adjust for gains or losses. A period of increased losses can cause increased policy costs, while long-term profits may cause lower-cost Corpus Christi car insurance rates.
To illustrate this point, the bar chart below analyzes the cheapest car insurance in Corpus Christi, TX for a 35-year-old female driver with no accidents or violations, and a good credit history. If we estimate prices based on her personal profile, Travelers may offer the cheapest car insurance rates in Corpus Christi at $1,122 per year. This is $782 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the best Corpus Christi, TX auto insurance companies.
Now let’s give the driver from the first rate comparison a claim, poor credit, and a few traffic violations. Because each insurer has a proprietary method for filing rates in each state, comparing insurance quotes could result in a new list of affordable Corpus Christi car insurance companies as shown below.
State Farm now has the best car insurance rate in Corpus Christi, TX with USAA, Mercury, Nationwide, and Safe Auto now being in the top five. This example illustrates why it is crucial to shop around with many companies when trying to find the most affordable car insurance rates with multiple speeding tickets. Car insurance prices consist of many risk factors and can change substantially, so the lowest-price company when you last compared rates may now be one of the more expensive options.