Who Has Cheap Auto Insurance for Good Students in Corpus Christi?

One of the more important criteria that are looked at to help calculate car insurance rates is your zip code in Corpus Christi. Larger areas will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The illustration below ranks the priciest cities in Texas for good students to buy car insurance in. Corpus Christi is ranked at #22 with the yearly price of $1,588 on average, which is around $132 per month.

How much is car insurance in Corpus Christi?
Rank City Premium Per Year
1 McAllen $1,956
2 Dallas $1,911
3 Laredo $1,907
4 Amarillo $1,858
5 Houston $1,853
6 Brownsville $1,851
7 Garland $1,850
8 Irving $1,789
9 Beaumont $1,754
10 Mesquite $1,753
11 Grand Prairie $1,740
12 Pasadena $1,740
13 Lubbock $1,716
14 San Antonio $1,688
15 Fort Worth $1,653
16 Arlington $1,642
17 El Paso $1,632
18 McKinney $1,625
19 Carrollton $1,615
20 Austin $1,610
21 Plano $1,608
22 Corpus Christi $1,588
23 Waco $1,569
24 Killeen $1,533
25 Abilene $1,515
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Premium costs are comparative as the specific garaging location can lower or raise prices noticeably.

Comparing quotes for low-priced car insurance is difficult, and determining which companies offer the best insurance rates for good students will involve even more work. Each auto insurance company uses a different method for filing rates in each state, so let’s rank the insurance companies that tend to have lower prices in Corpus Christi.

It’s important to understand that Corpus Christi insurance rates are influenced by many factors that may substantially change the price of your policy. Turning one year older, having a teenage driver, or getting a DUI can trigger price changes that can make some companies higher-priced than before.

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,095
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,256
5 California Casualty $1,396
6 Esurance $1,421
7 Mercury $1,506
8 State Farm $1,510
9 Nationwide $1,538
10 Safe Auto $1,597
11 Allstate $1,650
12 Progressive $1,698
13 Amica $1,775
14 Home State $2,155
15 GEICO $2,156
16 MetLife $2,161
17 Unitrin $2,264
18 Encompass $2,301
19 21st Century $2,494
20 Titan $2,646
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Travelers may offer some of the cheapest car insurance rates in Corpus Christi at around $1,021 annually. This is $883 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also make the list of some of the lowest-priced Corpus Christi, TX car insurance companies.

As shown in the table above, if you are currently insured with Germania Mutual and switched to USAA, you might achieve savings of roughly $161. Insureds with California Casualty may save as much as $301 a year, and Esurance customers might see rate reductions of $326 a year.

These prices are averaged across all ages of drivers and types of vehicles and and are not figured with an exact location for good students. So the company that fits your age and vehicle best may not even be in the top 23 companies in the list above. That emphasizes why you need to get auto insurance quotes using your own driver and vehicle profiles.

The car, truck, or SUV needing coverage is one of the largest factors when consumers are trying to find the best coverage for good students. Vehicles with high performance engines, a lack of advanced safety features, or an increased likelihood of liability claims will cost much more to insure than more modest models.

The list below outlines car insurance prices for the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Corpus Christi, TX
Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 4WD $3,618
Honda Accord LX 4-Dr Sedan $3,628
Honda CR-V LX 4WD $3,618
Ford F-150 XL Regular Cab 2WD $3,782
Toyota Prius $3,932
Ford Explorer Eddie Bauer 2WD $4,058
Toyota Tacoma 4WD $4,067
Volkswagen Jetta SE 2.5 Station Wagon $4,166
Honda Odyssey EX $4,256
Ford Focus S 4-Dr Sedan $4,264
Chevrolet Impala LT $4,294
Chevrolet Malibu LS $4,299
Toyota RAV4 Sport 4WD $4,294
Ford Fusion S 4-Dr Sedan $4,299
Dodge Grand Caravan SXT $4,333
Jeep Wrangler Unlimited Sport 2WD 4-Dr $4,448
Honda Civic LX-S 4-Dr Sedan $4,491
Ford Edge Sport 2WD $4,529
Hyundai Elantra SE 4-Dr Sedan $4,534
Toyota Camry SE $4,529
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Data variables include single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific Corpus Christi, TX garaging location which can lower or raise coverage prices substantially.

Based upon the table data, you can figure that cars like the Ford Escape, Honda Accord, Honda CR-V, and Ford F-150 will definitely be the cheapest vehicles to insure for student drivers.

How to get discounts on Corpus Christi car insurance rates

Cheaper Corpus Christi, TX insurance for student driversCar insurance companies that offer coverage for good students may also provide rate discounts that can lower rates by as much as 30% if you meet specific eligibility requirements. The best insurance companies and a summarized list of policyholder discounts can be found below.

The example below shows the comparison of insurance prices with and without discounts being applied to the rates. The information is based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, paperless filing, anti-theft, paid-in-full, continuous coverage, and good student discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for good students is 28% or $638.

Tickets and at-fault accidents raise rates

The best way to snag low insurance prices for student drivers is to drive safely and avoid accidents and traffic violations. The example below illustrates how speeding tickets and at-fault fender-benders can affect insurance costs for different insured age categories. The rates are based on a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

In the previous chart, the average cost of auto insurance in Corpus Christi per year with no violations or accidents is $2,050. Get one speeding ticket and the average cost rises to $2,390, an increase of $340 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of insurance for good students jumps again to an average of $5,344. That’s an increase of $3,294, or $274 per month, just for not driving responsibly!

If you would rather get some professional advice when shopping for the best coverage for student drivers, the professional agents shown below can most likely answer your questions and help you decide which coverages and limits you need. To find a Corpus Christi insurance agent closest to you, click the button at the bottom of the list.

5009 Kostoryz RdCorpus Christi, TX 78415(361) 654-0030

Joe Morales Insurance
5230 Kostoryz Rd # 18Corpus Christi, TX 78415(361) 852-4292

Allstate Insurance: Laura Harris
3837 S Padre Island DrCorpus Christi, TX 78415(361) 985-2875

View more Corpus Christi, TX insurance agencies

How to find the cheapest auto insurance for good students

The list below details many thrifty suggestions that can help Texas drivers locate more affordable coverage.

The last tip in the list is very crucial, as was discussed in this piece. Prices adjust frequently, so you should be ready to buy a policy from a new company if a lower-cost policy is available. Staying with the same company for years is fine, but is isn’t recommended if that dedication is costing a wad of cash every year. If you have a few minutes, shop around and find cheaper car insurance for good students in Corpus Christi.