For high risk drivers, one of the big criteria that are looked at to help calculate insurance cost is where you call home in Corpus Christi. Larger areas tend to have higher rates, whereas more rural areas benefit from lower coverage costs.
The information below shows the highest-priced places in Texas for high risk drivers to buy car insurance in. Corpus Christi ranks #19 with an annual cost of $1,588 for the average insurance policy, which is around $132 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Brownsville | $1,908 |
| 3 | Laredo | $1,907 |
| 4 | Amarillo | $1,858 |
| 5 | Dallas | $1,855 |
| 6 | Houston | $1,853 |
| 7 | Garland | $1,850 |
| 8 | Pasadena | $1,812 |
| 9 | Mesquite | $1,807 |
| 10 | Grand Prairie | $1,793 |
| 11 | Beaumont | $1,772 |
| 12 | Irving | $1,772 |
| 13 | San Antonio | $1,739 |
| 14 | Arlington | $1,692 |
| 15 | Lubbock | $1,682 |
| 16 | Fort Worth | $1,670 |
| 17 | Austin | $1,659 |
| 18 | Carrollton | $1,615 |
| 19 | Corpus Christi | $1,588 |
| 20 | Waco | $1,584 |
| 21 | El Paso | $1,584 |
| 22 | McKinney | $1,561 |
| 23 | Plano | $1,560 |
| 24 | Abilene | $1,545 |
| 25 | Killeen | $1,533 |
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Annual rates are approximated as vehicle location can increase or decrease auto insurance rates considerably.
Finding dependable, affordable insurance is not always easy, and figuring out which companies have the cheapest car insurance rates for high risk drivers involves more quotes for comparison. Each auto insurance company has a proprietary formula to establish rates, so we need to take a look at the overall cheapest car insurance companies in Texas.
It’s important to understand that Corpus Christi, TX car insurance rates are determined by lots of factors that may substantially change the cost of having a policy. This price variation is why consumers need to take the time to spend some time comparing rates when trying to find cheap insurance quotes for high risk drivers. Rates are calculated by many factors and can decrease or increase without notice, so the most economical company the last time you checked may now be quite expensive.
Best Insurance Companies for Risky Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,424 |
| 7 | State Farm | $1,495 |
| 8 | Mercury | $1,506 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,549 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,705 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,072 |
| 16 | MetLife | $2,183 |
| 17 | Unitrin | $2,241 |
| 18 | Encompass | $2,301 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,594 |
| Compare Rates Now Go | ||
Travelers quotes some of the best car insurance rates in Corpus Christi at around $1,010 each year. This is $894 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the lowest-priced Corpus Christi, TX insurance companies.
In the rate table above, if you are a customer of Texas Farm Bureau and switched to Travelers, you might achieve a yearly savings of upwards of $201. Insureds with Germania Mutual could save as much as $284 a year, and Esurance customers might lower prices by up to $411 a year.
Be aware that those premium estimates are averages across all drivers and vehicles and and are not figured with a vehicle location for high risk drivers. So the car insurance company that fits your needs best may not even be in the top 23 companies in the list above. That’s why you need to get quotes using your own driver data and vehicle information.
How careless driving impacts car insurance rates
One of the best ways to score cheap car insurance prices in Texas for high risk drivers is to be a safe driver and maintain a clean driving record. The chart below highlights how traffic violations and at-fault claims can impact yearly insurance costs for different age groups of insureds. The premium estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of auto insurance in Texas per year with no violations or accidents is $2,067. Add in two speeding tickets and the average cost swells to $2,783, an increase of $715 each year. Now get one accident along with the two speeding tickets and the 12-month cost of car insurance for high risk drivers increases to an average of $3,498. That’s an increase of $1,431, or $119 per month, just for being a little careless behind the wheel!
Liability-only versus full coverage
Saving money on car insurance should be important to most drivers, and one of the best ways to find cheap insurance for high risk drivers is to not pay for full coverage. The example below illustrates the difference between annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The data is based on no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.
As an average for all age groups, physical damage coverage costs $1,598 per year over and above liability only. That brings up the question if it’s a good idea to buy full coverage. There is no exact rule of when to stop paying for physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your vehicle’s settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $5,000 after paying your policy deductible. If it’s costing you more than $500 annually for your policy with full coverage, then it could be time to drop full coverage.
Discount Corpus Christi car insurance
Car insurance companies that provide policies for high risk drivers may also provide rate discounts that can lower rates by as much as 25% or more if you meet specific eligibility requirements. A list of companies and their possible discounts are:
- The Hartford offers premium reductions for anti-theft, air bag, bundle, vehicle fuel type, good student, defensive driver, and driver training.
- American Family discounts include accident-free, good student, defensive driver, air bags, and good driver.
- Progressive includes discounts for online signing, multi-vehicle, good student, online quote discount, and multi-policy.
- Travelers has savings for payment discounts, hybrid/electric vehicle, home ownership, continuous insurance, good student, and IntelliDrive.
- Farmers Insurance has discounts for multi-car, youthful driver, homeowner, alternative fuel, and early shopping.
- USAA offers discounts including military installation, vehicle storage, annual mileage, new vehicle, and defensive driver.
- Liberty Mutual may offer discounts for new graduate, preferred payment discount, new vehicle discount, exclusive group savings, teen driver discount, and new move discount.
The illustration below illustrates the comparison of car insurance costs with and without discounts applied. The information is based on a female driver, two violations and two accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, multiple policy, paperless filing, paid-in-full, marriage, and continuous coverage discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on car insurance for high risk drivers is 29% or $1,904.
The insurance agencies listed below are willing to help you decide which insurance coverage will be best for you, as many consumers aren’t sure which coverage to buy and prefer to have professional advice when comparing insurance rates for high risk drivers. It’s not always easy to do it yourself, and insurance agents can give satisfaction knowing you have sufficient protection if you have a claim. To locate a Corpus Christi auto insurance agent by location nearest to you, click the button after the list or click here to compare prices now.
Farmers Insurance – Dennis Trevino
6410 Weber Rd #11d – Corpus Christi, TX 78413 – (361) 814-0123
Reed Insurance Agency
6500 S Padre Island Dr – Corpus Christi, TX 78412 – (361) 994-1886
Joely DelVecchio – State Farm Insurance Agent
525 Glazebrook St c – Corpus Christi, TX 78404 – (361) 906-2886
Farmers Insurance – Richard Peetz
3038 S Alameda St – Corpus Christi, TX 78404 – (361) 887-7801
Crawford Insurance
5262 S Staples St # 300 – Corpus Christi, TX 78411 – (361) 654-2788
Find a Corpus Christi, TX insurance agent near you
Ideas to find low-cost car insurance for high risk drivers
It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching suggestions that can help Texas drivers get cheaper auto insurance.
- Maintaining good credit helps earn cheaper rates
- Vehicles with good safety ratings have lower liability rates
- Do not waste money insuring older vehicles for full coverage
- Increase deductibles to save money
- Frequent claims may make car insurance unaffordable
- Bundle home or renters insurance to earn a discount on car insurance
- Keep rates low by shopping around frequently
That final tip is extremely critical, as we noted in the prior information. Insurance rates in Corpus Christi can change considerably in a year, so drivers shouldn’t be resistant to change insurance companies if you can save money.
Having a favorite company is fine, but it’s not a great idea if it’s costing you hundreds of dollars a year. Take a couple minutes and shop around to find cheaper car insurance for high risk drivers.