Wouldn’t it be nice if we could tell you instantly the company that has the cheapest rates for drivers requiring a SR22? It’s just not that easy, however, as there are a whole bunch of unknown aspects such as if you are married or single, how many years you have been driving, and your credit rating. This article covers the best ways to save money and also should give you a good start in finding the cheapest car insurance.
The make and model of vehicle you are buying coverage for is probably the largest consideration in finding the best cheap auto insurance for drivers requiring a SR22. Vehicles with reasonable performance levels, excellent safety ratings, or a low likelihood of liability claims will cost quite a bit less to insure than fast, unsafe models. The list below ranks coverage costs for a selection of the cheaper vehicles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$3,461|
|Honda CR-V LX 4WD||$3,603|
|Honda Odyssey LX||$3,983|
|Dodge Grand Caravan SE||$4,025|
|Chevrolet Equinox LS 2WD||$4,096|
|Chevrolet Silverado LS Extended Cab 4WD||$4,104|
|Ford F-150 Lariat Super Cab 2WD||$4,134|
|Ford Edge SEL AWD||$4,178|
|Toyota Tacoma 2WD||$4,187|
|Chevrolet Malibu Hybrid||$4,221|
|Toyota RAV4 Sport 4WD||$4,231|
|GMC Sierra SL Extended Cab 2WD||$4,221|
|Chevrolet Impala LT||$4,228|
|Ford Explorer Eddie Bauer 4WD||$4,263|
|Compare Cheap Rates Go|
Data based on single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle location which can lower or raise coverage rates significantly.
Based upon these rates, you can expect vehicles like the Ford Escape, Honda CR-V, and Toyota Prius are most likely to be the less-costly vehicles to insure for high risk drivers. The cost of auto insurance will trend higher because there is more inherent risk for drivers requiring a SR22, but overall those particular vehicles will probably have the best rates compared to all other vehicles.
Determining which companies have the best car insurance rates for drivers requiring a SR22 will take more time than just comparing rates from one or two companies. Every car insurance company uses their own calculation for determining rates, so to begin we’ll rank the car insurance companies with the overall cheapest rates in Corpus Christi, TX.
It’s important to know that Corpus Christi, TX car insurance rates are calculated based on many things that control the price you have to pay for coverage. Getting older, increasing deductibles, or having a fender bender can trigger price changes that may make certain companies affordable when they were higher priced.
Lowest Insurance Price Quotes for SR22 Drivers
Travelers may have some of the lowest car insurance rates in Corpus Christi at around $1,041 a year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also rank well as some of the most economical Corpus Christi, TX auto insurance companies.
As shown in the rates above, if you currently have a policy with Texas Farm Bureau and switched to Travelers, you might achieve yearly savings of about $194. Insureds with Germania Mutual might save as much as $241 a year, and California Casualty policyholders might cut rates by $341 a year.
To get a fast rate comparison, click here to get a free quote or click several companies below for low rates.
Understand that those estimates are averages across all ages of drivers and types of vehicles and do not factor in an exact zip code location for drivers requiring a SR22. So the auto insurance company that has the cheapest rates for you may not even be in the top 23 companies in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
Choosing a highly-rated insurer is hard considering how many different companies there are to choose from in Corpus Christi. The ranking data listed below can help you analyze which car insurance companies to look at when comparing auto insurance rates for drivers requiring a SR22. These ratings only include the largest companies in the United States, so smaller companies are not factored into these rankings.
Top 10 Major Auto Insurance Companies in Corpus Christi Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Major Auto Insurance Companies in Corpus Christi Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Get discounts on Corpus Christi auto insurance rates
Insurers that offer cheap quotes for drivers requiring a SR22 may additionally offer special discounts that can reduce rates by 40% or more if you meet specific criteria. Larger car insurance companies and some of their more popular discounts are detailed below.
- GEICO may include discounts for daytime running lights, air bags, federal employee, multi-vehicle, and five-year accident-free.
- MetLife has discounts for defensive driver, good student, good driver, multi-policy, claim-free, accident-free
- Progressive may have discounts that include online quote discount, good student, continuous coverage, online signing, multi-vehicle, and multi-policy.
- Travelers offers discounts including save driver, new car, IntelliDrive, early quote, and good student.
- SAFECO discounts include teen safe driver, anti-theft, accident prevention training, drive less, bundle discounts, and safe driver.
- AAA offers discounts for good student, multi-car, multi-policy, AAA membership discount, pay-in-full, and good driver.
The illustration below shows the comparison of insurance costs with and without some available policy discounts. The prices are based on a male driver, two speeding tickets and two accidents, 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 bar shows the rates with marriage, paperless filing, continuous coverage, vehicle safety, multiple vehicle, and anti-theft discounts applied. With discounts applied, theamount saved on car insurance for drivers requiring a SR22 is 29% or $1,322.
Full coverage rates compared to liability only
Saving money on car insurance is important to most people, and a great way to save on the cost of insurance for drivers requiring a SR22 is to only buy liability insurance. The illustration below compares insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no other discounts are factored in.
If we average all the age groups together, full coverage costs an additional $2,671 per year over liability only. That touches on the question if you should buy full coverage at all. There is no written rule to delete physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
How to find more affordable car insurance for drivers requiring a SR22
It’s not impossible to find cheaper rates, and here are some of the recommended money-saving suggestions that can help Corpus Christi drivers find cheaper coverage.
- Buy safe vehicles
- At-fault accidents can raise rates significantly
- Maintaining good credit helps earn cheaper rates
- Speeding tickets and other violations increase rates
- Earn a discount by not filing claims
- Comparison shop frequently
The last idea is highly vital, as we emphasized in the article above. Car insurance prices in Corpus Christi can be adjusted at any time, so don’t be afraid to buy a policy from a new company if a lower-cost policy is available. Having a favorite company is great, but it’s not a great idea if that loyalty results in overpaying a small fortune year after year. It only takes a couple minutes to compare prices to find cheaper auto insurance for drivers requiring a SR22.
The Corpus Christi car insurance agencies listed below can most likely answer your questions and help you decide which coverages and limits you need, as some drivers aren’t sure which coverage they need and prefer to get some help when shopping for the best coverage for high risk drivers. It can be complicated to find coverage yourself, and insurance agents can provide you peace of mind knowing your policy gives you suitable coverage if you ever need to use it. To locate a Corpus Christi car insurance agency close to where you live, click the button below the list or click here to compare price quotes.
IBC Insurance Agency
221 S Shoreline Blvd – Corpus Christi, TX 78401 – (361) 985-1900
Sam Watson – State Farm Insurance Agent
4818 Shopping Way A – Corpus Christi, TX 78411 – (361) 852-6600
Allstate Insurance: Jill Reed
4411 S Alameda St a – Corpus Christi, TX 78412 – (361) 452-8055
Johnnie Bickham – State Farm Insurance Agent
11014 Leopard St – Corpus Christi, TX 78410 – (361) 241-7621
Larry Watson – State Farm Insurance Agent
6210 Wooldridge Rd b – Corpus Christi, TX 78414 – (361) 993-6787