Who Has the Cheapest Car Insurance for Single Moms in Corpus Christi?

The words “cheap” and “insurance” probably shouldn’t be used in the same sentence, in particular when shopping around for the lowest insurance rates for single moms. To help control this cost, let’s start off by going over a few of the things that impact auto insurance prices, and find some ways to lower the cost of your next policy.

Finding low-priced auto insurance is not the easiest thing to accomplish, and determining which company offers the cheapest auto insurance rates for single moms requires even more diligence. Every car insurance company has a unique formula for filing rates in each state, so let’s take a look at the auto insurance companies with the overall best prices in Texas.

It’s important that readers know that Corpus Christi auto insurance rates are influenced by many factors which can substantially change the cost of coverage. Events like turning one year older, having a teen driver, or getting a ticket for running a stop sign can trigger changes in premium that can cause some rates to be higher when they were quite affordable.

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Cheapest Texas car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,084
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,282
5 California Casualty $1,382
6 Esurance $1,407
7 State Farm $1,450
8 Mercury $1,461
9 Safe Auto $1,549
10 Nationwide $1,600
11 Progressive $1,647
12 Allstate $1,667
13 Amica $1,775
14 GEICO $2,135
15 Home State $2,155
16 MetLife $2,227
17 Encompass $2,324
18 Unitrin $2,333
19 21st Century $2,469
20 Titan $2,594
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Travelers offers some of the lowest car insurance rates in Corpus Christi at around $1,041 each 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 would also be considered some of the cheaper Corpus Christi, TX insurance companies.

As the example above demonstrates, if you currently have coverage with Germania Mutual and switched to USAA, you could realize an annual savings of upwards of $198. Drivers with California Casualty may save as much as $298 a year, and Esurance insureds might see rate reductions of $323 a year.

Be aware that those policy rates are averages for all drivers and vehicles and and are not calculated with a specific location for single moms. So the company that has the cheapest rates for you may not even be in the top 23 companies shown above. That points out the importance of why you need to get rate quotes using your own specific driver information and vehicle.

The vehicle model you are buying coverage for is a large factor that determines if you can find cheaper auto insurance for single moms. Vehicles with economical engines, good safety features, or a positive history of liability claims will cost substantially less to insure than higher performance models. The data below features car insurance rates for some of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Corpus Christi, TX
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $906
Honda Accord EX-L 4-Dr Sedan $981
Dodge Grand Caravan SE $1,016
Ford Explorer XLT 4WD $1,024
Chevrolet Malibu LS $1,072
Chevrolet Silverado LS Extended Cab 4WD $1,081
Ford Edge Sport AWD $1,128
Ford Escape XLT 4WD $1,139
Jeep Grand Cherokee SRT-8 4WD $1,150
GMC Sierra SLE Extended Cab 4WD $1,155
Hyundai Elantra SE Touring Station Wagon $1,208
Chevrolet Impala LT $1,230
Kia Optima SX $1,237
Toyota Prius $1,234
Ford F-150 XLT Super Cab 2WD $1,247
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in specific location which can revise coverage rates significantly.

Based upon these rates, we can expect makes and models like the Honda CR-V, Honda Accord, Dodge Grand Caravan, and Ford Explorer are most likely going to be the more affordable vehicles to insure for single parents.

For single parents, one of the largest things that are looked at to determine the price you pay for insurance is where your residence is. Regions with more people or even just more weather-related claims likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates get the luxury of paying less.

The information below lists the most expensive cities in Texas for single moms to buy car insurance in. Corpus Christi ranks #18 with the yearly price of $1,620 on average, which is about $135 per month.

How much does car insurance cost in Corpus Christi, TX?
Rank City Annual Rate
1 McAllen $1,936
2 Brownsville $1,927
3 Dallas $1,911
4 Houston $1,909
5 Laredo $1,907
6 Amarillo $1,858
7 Garland $1,850
8 Mesquite $1,825
9 Grand Prairie $1,811
10 Irving $1,789
11 Beaumont $1,754
12 Pasadena $1,740
13 Arlington $1,709
14 San Antonio $1,688
15 Lubbock $1,665
16 Austin $1,659
17 Fort Worth $1,653
18 Corpus Christi $1,620
19 Carrollton $1,615
20 El Paso $1,584
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Premium costs are approximated as specific Corpus Christi zip code can change price quotes greatly.

The example below demonstrates how deductible levels can raise or lower premium costs when quoting cheap insurance for single moms. The price estimates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

As shown above, a 50-year-old driver could lower rates by $440 a year by switching from a $100 deductible up to a $500 deductible, or save $660 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could lower their rates up to $1,446 every year by choosing larger deductibles on their policy.

When increasing deductibles, it is a good idea to have enough savings to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Picking the highest-rated insurer is hard considering how many different insurance companies sell coverage in Corpus Christi. The ranking data shown below can help you select which companies to look at when trying to find cheaper insurance for single moms. The rankings below are for companies with a nationwide focus, so companies that only write business in Texas or surrounding areas are not included in this list.

Best 15 Auto Insurance Companies for Single Moms in Corpus Christi
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
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Data Source: Insure.com Best Car Insurance Companies

Get discounts on Corpus Christi insurance

Cheaper Corpus Christi, TX auto insurance for single parentsInsurance providers that offer coverage for single moms may also provide discounts that could potentially reduce rates by as much as 30% if you meet specific criteria. A few of the larger companies and some of their more popular discounts are shown below.

The illustration below compares insurance costs with and without discounts. The prices are based on a male driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, multiple vehicle, multiple policy, safe-driver, passive restraint, and defensive driving course discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for single moms is 28% or $496.

Corpus Christi car insurance rates

Texas auto insurance rates are impacted by many factors that will increase or decrease the price of your policy. Turning one year older, buying a home, or getting caught speeding may cause policy rate changes resulting in some companies being much cheaper than others. Also, auto insurance companies file new rates as often as every quarter in order to maintain liquidity for claims. Unexpectedly high claims may result in higher rates, while long-term profits may cause cheaper Corpus Christi car insurance rates.

To help illustrate this point, the graph below shows the company with the cheapest car insurance in Corpus Christi, TX for a 35-year-old male driver with a good driving record, no prior claims, and excellent credit. When comparing rates based on his current risk factors, Travelers has the lowest car insurance rates in Corpus Christi at $1,125 a year. This is $779 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the most affordable Corpus Christi, TX auto insurance companies.

In this next rate comparison, we will give the driver from the first example a claim surcharge, a lower credit rating, and a few traffic violations. Since every car insurance company has a proprietary method for determining rates in each state, analyzing rate quotes may result in a slightly different list of affordable companies as shown below.

State Farm now has the cheapest auto insurance in Corpus Christi with Mercury, USAA, Nationwide, and Safe Auto also being competitive. This example shows why consumers need to take the time to take the time to shop around when trying to find the most economical car insurance rates for single moms. Prices can be altered by many factors and can decrease or increase without notice, so the best price the last time you compared rates may now be costing you a lot of money.