The words “cheap” and “insurance” probably shouldn’t be used together, in particular when you are looking for the best insurance rates for uninsured drivers. Because it’s not cheap, let’s familiarize you with a few of the factors that significantly impact car insurance rates, and find out if we can help you lower the price of your next policy.
Determining which insurers offer the most affordable insurance rates for uninsured drivers takes a bit more work than just comparing rates from one or two companies.
Each company has their own process for filing rates in each state, so let’s take a look at the overall cheapest insurance companies in Texas. It’s important that readers know that Texas insurance rates are determined by lots of factors that will increase or decrease the price you have to pay for coverage. Simply getting older, having a claim, or getting a couple of tickets may prompt premium changes that can make some companies cheaper than competitors.
Best Insurance Companies in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
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Travelers may offer some of the cheapest car insurance rates in Corpus Christi at around $1,041 per year. This is $863 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also qualify as some of the cheaper Corpus Christi, TX insurance companies.
As illustrated above, if you buy coverage from Texas Farm Bureau and switched to Travelers, you could see an annual savings of roughly $206. Customers with Germania Mutual might save as much as $253 a year, and California Casualty customers might realize rate reductions of up to $355 a year.
These premiums are averages across all types of insureds and vehicles and and are not figured with a specific zip code for uninsured drivers. So the insurer that can offer the best rates for your situation may not even be in the top 23 companies shown above. That illustrates why you need to compare as many prices as possible using your own individual information.
The vehicle model on the policy is a large factor when trying to find cheap car insurance for uninsured drivers. Vehicles with more horsepower, a lack of safety features, or a track record of large liability claims will cost quite a bit more to insure than safer models. The information below features auto insurance premiums for a handful of the most cost-effective vehicles to insure in Texas.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Dodge Grand Caravan CV||$971|
|Honda CR-V EX 4WD||$976|
|Ford Escape XLT 2WD||$977|
|Volkswagen Jetta 2.0T Station Wagon||$1,013|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,045|
|Chevrolet Malibu LT||$1,055|
|Ford Focus SEL 4-Dr Sedan||$1,061|
|Ford Explorer XLT 2WD||$1,068|
|Honda Odyssey EX-L W/Rear Entertainment||$1,080|
|Ford Edge SE AWD||$1,133|
|Ford F-150 FX2 2WD||$1,145|
|Toyota Camry LE||$1,158|
|Chevrolet Equinox LS AWD||$1,168|
|Toyota RAV4 4WD||$1,158|
|Hyundai Sonata Limited 4-Dr Sedan||$1,172|
|Honda Accord EX-L 2-Dr Coupe||$1,178|
|Toyota Camry Hybrid||$1,172|
|Hyundai Elantra SE 4-Dr Sedan||$1,185|
|Toyota Corolla S||$1,193|
|Honda Civic EX 4-Dr Sedan||$1,185|
|Dodge Ram Crew Cab Sport 2WD||$1,191|
|Nissan Rogue S 2WD||$1,202|
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Prices above 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-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in vehicle garaging location which can lower or raise premiums considerably.
Based upon these rates, models like the Dodge Grand Caravan, Honda CR-V, Ford Escape, Volkswagen Jetta, and Toyota Tacoma should be some of the less-costly vehicles to insure for drivers with no prior coverage.
For drivers with no prior coverage, one of the big components that aid in calculating the amount you pay for auto insurance is where you keep your car. Areas with a lot of weather claims or more people tend to pay slightly more, whereas more rural areas have the enjoyment of a little cheaper coverage.
The table below sorts the most costly cities in Texas for uninsured drivers to purchase auto insurance in. Corpus Christi is ranked at #21 with an annual premium of $1,588 for the average insured, which is about $132 per month.
|Rank||City||Premium Per Year|
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Prices are approximated as specific Corpus Christi zip code can influence premiums considerably.
Full coverage rates compared to liability only
Saving on insurance is important to most vehicle owners, and an effective way to pay lower rates for insurance for uninsured drivers is to not buy comprehensive and collision coverage. The information below illustrates the comparison of annual premium costs with full physical damage coverage and with liability coverage only. The premium estimates are based on a clean driving record, no claims, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
If averaged out across all ages, physical damage coverage on your policy costs $2,431 per year over having just liability coverage. Many drivers may wonder if it’s worth it to buy full coverage. There is no exact formula of when to exclude full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your vehicle’s book value is $10,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $9,000 after you pay the deductible. If you are paying over $900 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Best insurance company in Texas
Buying coverage from the top insurer can be a challenge considering how many different companies there are to choose from in Corpus Christi. The ranking data shown below can help you decide which insurers you want to consider when looking for cheaper rates. These ratings only include the largest companies in the United States, so companies that only write business in Texas or surrounding areas are not included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Careless driving habits raise Corpus Christi insurance rates
The easiest method to obtain low insurance premiums in Texas for drivers with no prior coverage is to be a safe driver and avoid accidents and traffic violations. The diagram below highlights how speeding tickets and at-fault accidents can increase insurance costs for different age groups of insureds. The costs are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
In the example above, the average cost of auto insurance in Corpus Christi per year with a clean driving record and no accidents is $2,034. Factor in one speeding ticket and the average cost hikes up to $2,309, an increase of $276 each year. Next add one accident along with the one speeding ticket and the annual cost of insurance for uninsured drivers jumps again to an average of $3,077. That’s an increase of $1,043, or $87 per month, just for not driving carefully!
How to find more affordable car insurance for uninsured drivers
It is possible to find better rates, and here are a few penny-pinching solutions that can help Corpus Christi drivers get cheaper car insurance.
- Multi-policy discounts save money
- If possible, pay for small claims out-of-pocket
- Maintain a clean driving record
- Higher deductibles save money
- Clean up your credit
- Accidents can significantly increase rates
- Ensure you have the best deal by shopping around regularly
The final tip is certainly vital, as we noted in the prior article. Car insurance prices in Corpus Christi fluctuate constantly, so don’t be tentative to buy from a new company if a lower price can be found.
Loyalty to a specific company is fine, but it’s not a great idea if that inflexibility results in costing you a wad of cash every year. In less than five minutes you could compare rates to find cheaper insurance for uninsured drivers.
The insurance agencies listed below are willing to aid you in deciding which coverages and limits you need, since lots of drivers aren’t clear which coverage they need and would like to get some guidance when comparing insurance rates for drivers with no prior coverage. It can be hard to find the best policy on your own, and insurance agents can provide you comfort knowing your coverage gives you adequate coverage if you have an accident or claim. To locate a Corpus Christi insurance agent in your neighborhood, click the button below the list or click here to compare rates now.
- Tom Hunt Jr – State Farm Insurance Agent
4449 S Alameda St #3 – Corpus Christi, TX 78412 – (361) 992-9292
- CMM Insurance
1901 Baldwin Blvd # C – Corpus Christi, TX 78404 – (361) 654-0085
- Allstate Insurance: Eddie Martinez
4942 Everhart Rd – Corpus Christi, TX 78411 – (361) 993-6638
- Sam Watson – State Farm Insurance Agent
4818 Shopping Way A – Corpus Christi, TX 78411 – (361) 852-6600
- Hochheim Prairie Insurance
4646 Corona Dr – Corpus Christi, TX 78411 – (361) 814-1097