For drivers in Corpus Christi, one of the big considerations that help determine the amount you pay each year for auto insurance is where you keep your vehicle. Cities with larger populations or higher claim trends tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims tend to receive cheaper rates.
The table below shows the most expensive areas in Texas to buy car insurance in. Corpus Christi comes in at #21 with a yearly premium of $1,572 for the average insured, which is about $131 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,911 |
| 4 | Houston | $1,909 |
| 5 | Amarillo | $1,858 |
| 6 | Laredo | $1,851 |
| 7 | Grand Prairie | $1,811 |
| 8 | Mesquite | $1,807 |
| 9 | Garland | $1,796 |
| 10 | Pasadena | $1,794 |
| 11 | Irving | $1,789 |
| 12 | Beaumont | $1,720 |
| 13 | San Antonio | $1,688 |
| 14 | Lubbock | $1,682 |
| 15 | Fort Worth | $1,670 |
| 16 | Arlington | $1,642 |
| 17 | Austin | $1,610 |
| 18 | Carrollton | $1,598 |
| 19 | McKinney | $1,577 |
| 20 | Plano | $1,576 |
| 21 | Corpus Christi | $1,572 |
| 22 | Waco | $1,569 |
| 23 | El Paso | $1,568 |
| 24 | Abilene | $1,561 |
| 25 | Killeen | $1,533 |
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Information shown are approximated as the garaging address in Corpus Christi can impact prices greatly.
Considering where Corpus Christi ranks compared to other Texas cities, trying to find low-priced auto insurance is not always easy, and finding out which companies offer the cheapest car insurance rates in Corpus Christi involves even more diligence.
Every car insurance company has their own process for determining rates in each state, so to begin we’ll rank the most competitive car insurance companies in Corpus Christi, TX.
Cheap Insurance Rates in Corpus Christi
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,438 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,510 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,650 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,134 |
| 15 | GEICO | $2,135 |
| 16 | Unitrin | $2,241 |
| 17 | MetLife | $2,249 |
| 18 | Encompass | $2,324 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,568 |
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Travelers has some of the most affordable car insurance rates in Corpus Christi at around $1,052 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Corpus Christi, TX car insurance companies.
As depicted above, if you currently have a policy with Esurance and switched to USAA, you may realize a yearly savings of in the neighborhood of $270. Customers with California Casualty may save as much as $343 a year, and Mercury customers might reduce prices by as much as $381 a year.
Understand that those policy prices are averaged for all insureds and vehicles and do not factor in a specific location in Corpus Christi. So the insurer that fits your situation best may not even be in the list above. That point stresses why you need to get quotes using your own specific driver information and vehicle.
The benefit of shopping around
Corpus Christi car insurance rates are influenced by many factors that can increase the cost of having a policy. Improving your credit score, buying a different vehicle, or getting a driving violation may prompt premium changes that may make certain companies cheaper than competitors. And not only may your rating factors change, but companies file new Texas auto insurance rates as often as every quarter to reflect underwriting profits or losses. Higher than usual claims can result in a rate increase, while better underwriting may produce lower-priced Corpus Christi car insurance rates.
The data below shows which companies have the cheapest car insurance in Corpus Christi, TX for a 45-year-old male driver with no accidents or violations, and a high credit rating. Based on his current risk factors, Travelers offers the most affordable car insurance rates in Corpus Christi at $1,078 a year. This is $826 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the cheapest Corpus Christi, TX auto insurance companies.
Now we will pretend the driver in the first example a claim or two, a lower credit rating, and a stop sign violation. Because each company uses their own formula for establishing rates, analyzing rate quotes may result in a significantly different list of the cheapest car insurance companies in Corpus Christi as shown below.
Mercury now has the cheapest auto insurance in Corpus Christi with State Farm, Nationwide, Safe Auto, and USAA also being competitive. This illustrates why it is critical to do a thorough rate comparison to get the cheapest car insurance rates in Corpus Christi.
Insurance rates can be determined by many things and change dramatically, so the most economical company the last time you shopped around may now cost much more than other companies.
The vehicle that needs insurance is one of the biggest factors that determines the availability of cheap insurance in Corpus Christi. Vehicles with high performance engines, poor passenger safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models. The information below ranks car insurance rates for a selection of the most affordable automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra SE Touring Station Wagon | $900 |
| Honda CR-V EX-L 4WD | $927 |
| Ford Escape XLS 4WD | $933 |
| Chevrolet Silverado LS Regular Cab 2WD | $980 |
| Chevrolet Malibu LS | $987 |
| Toyota RAV4 Limited 4WD | $980 |
| Chevrolet Impala LT | $987 |
| Ford Explorer Eddie Bauer 2WD | $1,013 |
| Dodge Grand Caravan SE | $1,019 |
| Toyota Tacoma 4WD | $1,013 |
| Toyota Prius | $1,034 |
| GMC Sierra SL Crew Cab 4WD | $1,050 |
| Jeep Grand Cherokee Limited 4WD | $1,058 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,099 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,101 |
| GMC Sierra 2500HD SLE Regular Cab 2WD | $1,122 |
| Honda Odyssey EX-L | $1,130 |
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in your specific Corpus Christi, TX location which can alter prices substantially.
Based upon the table data, we can presume that vehicles like the Hyundai Elantra, Honda CR-V, Ford Escape, Chevrolet Silverado, and Chevrolet Malibu will definitely be some of the most budget-friendly vehicles to insure for drivers in Corpus Christi.
The chart below demonstrates how deductibles can change premium costs when quoting cheap insurance in Corpus Christi. The premium estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower rates by $314 a year by switching from a $100 deductible to a $500 deductible, or save $472 by switching to a $1,000 deductible. Young drivers, such as the Age 20 example, can save $1,026 or even more just by choosing larger deductibles.
If you do raise deductibles, it will be important to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.