The make and model of vehicle you are buying coverage for is a significant factor that determines the availability of the most economical coverage for 4×4 vehicles. Vehicles with limited speed and performance, a plethora of safety features, or a positive history of liability claims will cost less to insure than higher performance models. The list below ranks coverage rates for a handful of the most economical vehicles to insure in Texas.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $972 |
| Ford Escape XLT 4WD | $980 |
| Hyundai Elantra GLS Touring Station Wagon | $1,043 |
| Honda Accord EX 4-Dr Sedan | $1,051 |
| Ford Edge SE 2WD | $1,045 |
| Dodge Grand Caravan SE | $1,065 |
| Honda Odyssey LX | $1,142 |
| Ford Explorer Eddie Bauer 4WD | $1,148 |
| Toyota Corolla LE | $1,188 |
| Toyota Prius | $1,192 |
| Nissan Rogue SL 2WD | $1,208 |
| Chevrolet Impala LS | $1,210 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,218 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate information does not factor in specific location information which can lower or raise coverage prices significantly.
Based upon the rates shown, makes and models like the Honda CR-V, Ford Escape, and Hyundai Elantra are most likely going to be some of the cheapest vehicles to insure for off-road vehicles.
Finding low-cost car insurance is not the easiest thing to do, and deciding which companies have the cheapest insurance rates for 4×4 vehicles may require even more perseverance.
Every car insurance company has their own formula for setting prices, so we’ll take a look at the most affordable insurance companies in Texas.
Compare Cheap Insurance Quotes for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,382 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,495 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,585 |
| 11 | Progressive | $1,647 |
| 12 | Amica | $1,705 |
| 13 | Allstate | $1,718 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,093 |
| 16 | Unitrin | $2,241 |
| 17 | MetLife | $2,249 |
| 18 | Encompass | $2,255 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,646 |
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Travelers generally has some of the cheapest car insurance rates in Corpus Christi at around $1,041 each year. This is $863 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheaper Corpus Christi, TX car insurance companies.
As illustrated above, if you are a customer of Germania Mutual and switched to USAA, you could realize an annual premium reduction of around $139. Drivers with Esurance could save as much as $248 a year, and California Casualty customers might cut rates by $265 a year.
If you want to find out if you’re overpaying, click here to get a free quote or visit any of the low-priced companies below.
It’s important to note that these rates are averages for all drivers and vehicles and do not take into consideration an exact location for 4×4 vehicles. So the auto insurance company that can offer you the lowest price may not even be in the list above. That points out the importance of why you need to get rate quotes using your own driver data and vehicle information.
One of the many factors that determine the amount you pay each year for auto insurance is where you live. Areas with more people or higher crime rates tend to pay more, whereas areas with less crime or weather claims can boast about having cheaper rates.
The illustration below shows the most expensive areas in Texas for 4×4 vehicles to buy an auto insurance policy in. Corpus Christi is listed at #20 with an annual rate of $1,588 for the average policy, which is approximately $132 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,927 |
| 3 | Houston | $1,909 |
| 4 | Laredo | $1,851 |
| 5 | Dallas | $1,837 |
| 6 | Garland | $1,832 |
| 7 | Mesquite | $1,807 |
| 8 | Pasadena | $1,794 |
| 9 | Amarillo | $1,786 |
| 10 | Irving | $1,772 |
| 11 | Beaumont | $1,772 |
| 12 | Grand Prairie | $1,740 |
| 13 | Lubbock | $1,716 |
| 14 | San Antonio | $1,671 |
| 15 | Carrollton | $1,664 |
| 16 | Arlington | $1,658 |
| 17 | Austin | $1,627 |
| 18 | Plano | $1,624 |
| 19 | Fort Worth | $1,604 |
| 20 | Corpus Christi | $1,588 |
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Rate information is estimated as specific Corpus Christi zip code can affect coverage prices noticeably.
Difference between full coverage and liability only rates
Reducing premiums for insurance should be important to most people, and one of the best ways to lower the cost of insurance for 4×4 vehicles is to buy liability only. The example below shows the comparison of car insurance rates when comparing full coverage to liability only. The price estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
As an overall average, comp and collision coverage costs an extra $1,598 per year over and above liability coverage. That may make you wonder if buying full coverage is worth the expense. There is no definitive rule to stop buying physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s pretend your vehicle’s replacement cost is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $9,500 after the policy deductible has been paid. If you are paying over $950 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.
Types of discounts on Corpus Christi auto insurance rates
Car insurance companies that offer cheap quotes for 4×4 vehicles may have price discounts that may potentially lower prices by as much as 30% if you meet specific eligibility requirements. The best insurance companies and a selection of discounts include:
- Progressive offers discounts for multi-policy, online signing, multi-vehicle, homeowner, good student, continuous coverage, and online quote discount.
- The Hartford offers premium reductions for vehicle fuel type, anti-theft, good student, bundle, driver training, defensive driver, and air bag.
- Mercury Insurance has discounts for multi-policy, low natural disaster claims, professional/association, type of vehicle, location of vehicle, good student, and good driver.
- GEICO may have discounts that include seat belt use, emergency military deployment, daytime running lights, driver training, and air bags.
- AAA may offer discounts for good driver, good student, multi-policy, pay-in-full, education and occupation, and anti-theft.
- State Farm policyholders can earn discounts including good student, student away at school, Drive Safe & Save, defensive driving training, safe vehicle, multiple policy, and accident-free.
The information below shows the comparison of insurance costs with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, vehicle safety, claim-free, multiple policy, homeowner, and passive restraint discounts applied. With discounts applied, theamount saved on insurance for 4×4 vehicles is 28% or $609.
Can you find cheaper Corpus Christi car insurance?
Corpus Christi, TX insurance rates are calculated based on many things that may substantially change the cost of your policy. Turning one year older, buying a different home, or getting a reckless driving citation can trigger rate changes that may make certain companies cheaper than others.
Not only may your risk profile change, but car insurance companies amend pricing every year to adjust for heavy claims or excess profits. Heavy losses may result in higher priced premiums, while a lower level of claims may cause more affordable Corpus Christi car insurance rates.
To illustrate this point, the bar chart below compares the cheapest car insurance in Corpus Christi, TX for a 40-year-old male driver with no prior claims, no tickets, and great credit. If we compare prices based on his current risk profile, Travelers quotes the lowest car insurance rates in Corpus Christi at $1,145 per year. This is $759 less than the average price paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and California Casualty are also included in the cheapest Corpus Christi, TX auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison an accident surcharge, bad credit, and a traffic ticket or two. Since every car insurance company has their own formula to set premium rates, comparing rates may now present a completely different list of companies as shown below.
State Farm now has the lowest car insurance rate in Corpus Christi with Mercury, USAA, Nationwide, and Safe Auto now rounding out the top five. This example demonstrates why it is important to take the time to shop around when trying to find the lowest insurance quotes for 4×4 vehicles. Prices are made up of many risk factors and change substantially, so the most economical option two years ago may now be quite expensive.