Who Has the Cheapest Auto Insurance for Unemployed Drivers in Corpus Christi?

For the unemployed, one of the big considerations that aid in calculating the price you pay for insurance is your address in Corpus Christi. Regions with more people or even just more weather-related claims likely pay more, whereas less populated areas tend to receive slightly lower rates.

The following table lists the most expensive places in Texas for unemployed drivers to buy auto insurance in. Corpus Christi is ranked at #17 having an annual price of $1,620 for the average policy, which is approximately $135 monthly.

How much does car insurance cost in Corpus Christi, TX?
Rank City Premium Per Year
1 McAllen $1,956
2 Brownsville $1,927
3 Dallas $1,911
4 Houston $1,909
5 Laredo $1,889
6 Amarillo $1,840
7 Mesquite $1,807
8 Pasadena $1,794
9 Garland $1,778
10 Beaumont $1,754
11 Grand Prairie $1,740
12 Irving $1,736
13 Lubbock $1,733
14 San Antonio $1,722
15 Fort Worth $1,670
16 Arlington $1,642
17 Corpus Christi $1,620
18 Austin $1,610
19 McKinney $1,609
20 Plano $1,608
21 Carrollton $1,598
22 El Paso $1,584
23 Abilene $1,545
24 Waco $1,537
25 Killeen $1,473
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Annual rates are approximated as the specific geographic location can revise prices substantially.

Finding dependable, budget auto insurance is not easy, and figuring out which insurers offer the cheapest car insurance rates for unemployed drivers takes a little more work. Each insurer has a different formula to set policy rates, so first let’s look at the rankings for the most budget-friendly car insurance companies in Corpus Christi.

Keep in mind that Corpus Christi, TX car insurance rates are influenced by many factors which can substantially change the cost of having a policy. This price variation is why drivers need to take the time to shop around when trying to get cheap car insurance rates for unemployed drivers. Insurance rates are made up of many different factors and can change without notice, so the most affordable company a year ago may now be one of the higher cost companies.

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Cheapest insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,117
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,294
5 Esurance $1,365
6 California Casualty $1,396
7 State Farm $1,495
8 Mercury $1,506
9 Nationwide $1,600
10 Safe Auto $1,613
11 Progressive $1,647
12 Allstate $1,650
13 Amica $1,757
14 GEICO $2,093
15 Home State $2,134
16 MetLife $2,183
17 Encompass $2,301
18 Unitrin $2,310
19 21st Century $2,396
20 Titan $2,568
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Travelers normally has some of the cheapest car insurance rates in Corpus Christi at around $1,010 annually. This is $894 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the more affordable Corpus Christi, TX car insurance companies.

As illustrated above, if you are a policyholder with Texas Farm Bureau and switched to Travelers, you may realize savings of roughly $189. Texas drivers with Germania Mutual may save as much as $284 a year, and Esurance policyholders might lower prices by $355 a year.

These estimates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific zip code for unemployed drivers. So the insurer that can offer you the lowest price may not even be in the list above. That’s why you need to get rate quotes from many companies using your own specific driver information and vehicle.

Comparison of full coverage and liability-only policies

Reducing premiums for car insurance is important to most people, and one great way to find cheaper insurance for unemployed drivers is to not buy comprehensive and collision coverage. The information below shows the comparison of insurance rates with full coverage and liability only. The information is based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no additional discounts are factored in.

If we average all the age groups together, comprehensive and collision coverage on your policy costs an extra $2,671 per year more than carrying just liability coverage. That is a large expense which might make you wonder if paying for full coverage is a waste of money. There is no exact formula to drop full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

There are some conditions where removing full coverage is not advised. If you still owe a portion of the original loan, you have to carry full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Bad driving habits will cost you more

The ideal way to get good car insurance premiums in Corpus Christi for the unemployed is to drive safe and avoid tickets and accidents. The information below illustrates how traffic citations and fender-benders can influence car insurance rates for each age group. The premiums are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

The data charted above shows the average cost of an auto insurance policy in Corpus Christi per year with a clean driving record and no accidents is $1,833. Receive two speeding tickets and the average cost rises to $2,603, an increase of $770 each year. Now get two accidents along with the two speeding tickets and the annual cost of car insurance for unemployed drivers increases to an average of $5,639. That’s an increase of $3,806, or $317 per month, just for not driving carefully!

Low rates can quickly become overpriced

Texas car insurance rates are based on many factors which can substantially change the cost of coverage. Improving your credit score, adding a teenager to your policy, or having an accident can trigger price changes resulting in some companies being more affordable than the competition. Also, insurance companies modify pricing multiple times each year to ensure their profitability. A period of higher than normal claims can result in additional premium costs, while a lower level of claims may produce lower-cost Corpus Christi car insurance rates.

For instance, the chart below demonstrates which company has the cheapest car insurance in Corpus Christi, TX for a 40-year-old female driver with a good driving record, no prior claims, and good financial standing. If we look at prices based on her personal risk profile, Travelers may offer the cheapest car insurance rates in Corpus Christi at $1,111 per year. This is $793 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also on the list of the top five cheapest Corpus Christi, TX auto insurance companies.

The example below compares rates after we give the driver from the first rate comparison a chargeable claim, poor credit, and a few blemishes on her driving record. Because each company has a proprietary method to determine rates, comparing prices will most likely result in a completely different list of companies as shown below.

Mercury now has the best insurance rate in Corpus Christi with State Farm, Nationwide, Safe Auto, and USAA also being competitive. This example demonstrates why it is critical to take the time to shop around when trying to find the cheapest auto insurance quotes for unemployed drivers.

Car insurance prices are influenced by many risk factors and change dramatically, so the most economical company two years ago may now be costing you a lot of money.