Wouldn’t it be so easy if we could wave our magic wand and tell you the best company in Corpus Christi that has the cheapest coverage for drivers with good credit? Unfortunately, it’s just not that easy, as there are a lot of unknown aspects such as your financial stability, what level of deductibles you wish to have, where you live in Corpus Christi, and what coverage limits you want, that all impact the price you pay. The information below covers the best ways to avoid high prices and should give you a good beginning to your quest for cheaper car insurance in Corpus Christi.
For financially responsible drivers, one of the largest considerations that determine the annual cost of car insurance is where you call home. Cities with larger populations tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents receive better rates.
The information below shows the most expensive cities in Texas for drivers with good credit to purchase car insurance in. Corpus Christi ranks #19 costing $1,636 on average, which is around $136 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,893 |
| 4 | Houston | $1,891 |
| 5 | Laredo | $1,833 |
| 6 | Garland | $1,832 |
| 7 | Mesquite | $1,807 |
| 8 | Amarillo | $1,804 |
| 9 | Pasadena | $1,758 |
| 10 | Grand Prairie | $1,740 |
| 11 | Lubbock | $1,733 |
| 12 | San Antonio | $1,722 |
| 13 | Irving | $1,719 |
| 14 | Arlington | $1,709 |
| 15 | Beaumont | $1,702 |
| 16 | Fort Worth | $1,670 |
| 17 | Carrollton | $1,664 |
| 18 | Austin | $1,659 |
| 19 | Corpus Christi | $1,636 |
| 20 | Plano | $1,624 |
| 21 | McKinney | $1,609 |
| 22 | El Paso | $1,584 |
| 23 | Waco | $1,569 |
| 24 | Killeen | $1,518 |
| 25 | Abilene | $1,515 |
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Premium amounts are estimated as zip code location can modify insurance rates noticeably.
The make and model of vehicle to be insured is one of the primary factors when comparison shopping for the most economical coverage for drivers with good credit. Vehicles with reasonable performance levels, good safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models. The list below illustrates car insurance prices for a handful of the cheapest vehicles to insure in Texas.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Jeep Wrangler Sport 4WD 2-Dr | $950 |
| Honda Accord EX 4-Dr Sedan | $1,009 |
| Toyota Prius | $1,017 |
| Honda CR-V EX-L 2WD | $1,030 |
| Ford Escape XLT 4WD | $1,036 |
| Ford Edge SEL 2WD | $1,067 |
| Chevrolet Malibu LS | $1,086 |
| Ford Explorer XLT 2WD | $1,123 |
| Toyota Tacoma 4WD | $1,166 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,171 |
| Dodge Grand Caravan SE | $1,166 |
| Chevrolet Equinox LTZ AWD | $1,173 |
| Ford Focus SE 4-Dr Sedan | $1,166 |
| Toyota RAV4 Sport 4WD | $1,188 |
| Toyota Camry LE | $1,194 |
| Chevrolet Impala LT | $1,188 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,231 |
| Nissan Rogue S 2WD | $1,274 |
| Chevrolet Silverado LS Extended Cab 2WD | $1,279 |
| Jeep Grand Cherokee Limited 4WD | $1,276 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Information does not factor in zip code location which can affect auto insurance rates greatly.
Based upon the rates shown, you can infer that makes and models like the Jeep Wrangler, Honda Accord, Toyota Prius, Honda CR-V, and Ford Escape should be the more affordable vehicles to insure for financially responsible drivers.
Comparing quotes for low-cost car insurance is tough enough, and deciding which company has the best car insurance rates for drivers with good credit involves even more work. Each auto insurer uses their own calculation for setting prices, so we’ll take a look at the most competitive car insurance companies in Corpus Christi.
It’s a good idea to be aware that Corpus Christi, TX car insurance rates are calculated based on many things which can significantly increase or decrease your annual premium. Price variation is why consumers need to compare many different companies when trying to get the most budget-friendly insurance quotes for drivers with good credit. Insurance rates can be determined by many things and change dramatically, so the best company two years ago may now be one of the higher cost companies.
Compare Cheap Insurance Quotes for High Credit
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,244 |
| 5 | California Casualty | $1,382 |
| 6 | Esurance | $1,421 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,506 |
| 9 | Nationwide | $1,600 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,757 |
| 14 | GEICO | $2,135 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,646 |
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Travelers may offer some of the most affordable car insurance rates in Corpus Christi at around $1,021 annually. This is $883 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also are some of the cheaper Corpus Christi, TX auto insurance companies.
As depicted above, if you are insured with Germania Mutual and switched to USAA, you might achieve a yearly savings of in the vicinity of $116. Policyholders with California Casualty may save as much as $254 a year, and Esurance insureds might reduce prices by as much as $293 a year.
Be aware that those policy rates are averaged across all drivers and vehicles and and are not calculated with a specific vehicle garaging location for drivers with good credit. So the insurer that can offer you the best rate may not even be in the top 23 companies shown above. That affirms the importance of why you need to get quotes using your own driver and vehicle profiles.
Types of discounts on Corpus Christi insurance rates
Auto insurance companies that offer cheap quotes for drivers with good credit could also offer price discounts that may potentially lower prices by 30% or more if you qualify for them. A few of the larger companies and some of the discounts include:
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, Drive Safe & Save, good driver, anti-theft, driver’s education, passive restraint, and accident-free.
- American Family may include discounts for good driver, multi-vehicle, Steer into Savings, TimeAway discount, defensive driver, bundled insurance, and accident-free.
- AAA offers premium reductions for good student, AAA membership discount, education and occupation, good driver, and multi-policy.
- GEICO includes discounts for defensive driver, emergency military deployment, membership and employees, air bags, multi-vehicle, and seat belt use.
- Mercury Insurance offers discounts for multi-car, ease of repair, age of vehicle, good student, good driver, accident-free, and multi-policy.
- Farmers Insurance offers discounts including electronic funds transfer, business and professional, good student, switch companies, and pay in full.
- Progressive has savings for multi-policy, good student, homeowner, continuous coverage, and online quote discount.
The chart below illustrates the comparison of yearly insurance costs with and without discounts applied to the policy premium. The data is based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, marriage, multiple vehicle, safe-driver, anti-theft, and homeowner discounts applied. With discounts applied, the average amount saved each year on car insurance for drivers with good credit is 28% or $542.
The illustration below demonstrates how choosing different deductibles can increase or decrease insurance costs when quoting cheap insurance for drivers with good credit. The prices are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
As shown above, a 50-year-old driver could save $372 a year by changing from a $100 deductible up to a $500 deductible, or save $560 by choosing a $1,000 deductible. Young drivers, such as the Age 20 example, can save $1,240 each year just by choosing higher deductibles. When choosing a higher deductible, it is important to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Tickets and at-fault accidents raise rates
The recommended way to receive affordable car insurance prices in Texas for financially responsible drivers is to drive safely and avoid at-fault accidents and violations. The illustration below shows how speeding tickets and accident claims can impact insurance costs for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
In the previous example, the average cost of an auto insurance policy in Texas per year with no accidents and a clean driving record is $2,490. Get written up for two speeding tickets and the average cost jumps to $3,450, an increase of $960 each year. Next add two accidents along with the two speeding tickets and the 12-month cost of car insurance for drivers with good credit goes up to an average of $6,890. That’s an increase of $4,400, or $367 per month, just for being a little careless behind the wheel!
How to find cheaper car insurance for drivers with good credit
Below you’ll find a few money-saving ideas that can help Corpus Christi drivers find lower-cost coverage.
- Buy your homeowners policy from the same company as your auto insurance
- Save money by insuring older vehicles for liability only
- Buy vehicles with good safety ratings
- Increase the comprehensive and collision deductibles on your policy
- Good credit can mean cheaper rates
- Don’t have frequent claims
- Compare rates often to find the best deal
That last tip is remarkably vital, as was pointed out in this article. Prices charged by auto insurers in Corpus Christi adjust frequently, so don’t be afraid to buy from a new company if a lower price can be found.
Staying with the same company for years is fine, but we do not recommend it if that inflexibility results in costing you a considerable chunk of change every month. If you have a few minutes, compare prices to find cheaper car insurance for drivers with good credit.