How Much are Corpus Christi Auto Insurance Quotes for a 20 Year Old Male?

For young men, one of the big factors that determine the price you pay for insurance is where you call home in Corpus Christi. Regions with more people or even just more weather-related claims will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive cheaper rates.

The following table sorts the most expensive cities in Texas for 20 year old guys in which to purchase auto insurance. Corpus Christi shows up at #16 with a yearly cost of $1,636 on average, which is around $136 each month.

How much does auto insurance cost in Corpus Christi?
Rank City Annual Premium
1 McAllen $1,936
2 Brownsville $1,927
3 Dallas $1,893
4 Houston $1,891
5 Amarillo $1,858
6 Laredo $1,833
7 Grand Prairie $1,811
8 Garland $1,796
9 Pasadena $1,794
10 Irving $1,789
11 Beaumont $1,772
12 Mesquite $1,771
13 San Antonio $1,722
14 Lubbock $1,682
15 Arlington $1,642
16 Corpus Christi $1,636
17 Austin $1,627
18 McKinney $1,625
19 El Paso $1,616
20 Fort Worth $1,604
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Rate information is approximated as the specific area where the vehicle is garaged can revise insurance rates noticeably.

The type of vehicle you are buying coverage for is one of the primary factors that determines whether or not you find the lowest-priced insurance for 20 year old guys. Vehicles with high performance features, a lack of modern safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models.

The data below presents insurance prices for some of the more affordable automobiles to insure.

Cheapest Vehicles to Insure in Corpus Christi, TX
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V LX 4WD $2,320
Ford Escape XLT 4WD $2,356
Honda Odyssey LX $2,551
Chevrolet Silverado LS Regular Cab 4WD $2,560
Toyota Prius $2,563
Ford Explorer XLT AWD $2,587
Chevrolet Impala LS $2,724
Toyota Tacoma 2WD $2,731
Ford Focus S 4-Dr Sedan $2,724
Jeep Wrangler Unlimited Sport 2WD 4-Dr $2,758
Jeep Grand Cherokee Laredo 4WD $2,760
Chevrolet Equinox LS AWD $2,765
Toyota RAV4 Limited 4WD $2,760
Ford F-150 Lariat Crew Cab 2WD $2,794
Dodge Grand Caravan SXT $2,803
Chevrolet Malibu LT $2,794
Hyundai Elantra SE 4-Dr Sedan $2,933
Toyota Camry SE $2,939
Toyota Corolla S $2,933
Ford Edge Sport AWD $2,940
Nissan Rogue SL 2WD $2,958
GMC Sierra SLE Crew Cab 4WD $2,967
GMC Sierra 2500HD SLE Extended Cab 4WD $2,976
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Cost estimates assume single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in your specific Corpus Christi, TX location which can lower or raise coverage prices noticeably.

Based on these rates, makes and models like the Honda CR-V, Ford Escape, Honda Odyssey, and Chevrolet Silverado are some of the cheaper vehicles to insure for young men. Auto insurance rates will tend to be more expensive anyway just because there is more risk for 20 year old guys, but in general those makes and models will have the cheapest auto insurance rates available.

Locating budget car insurance is hard enough, and determining which companies quote the most affordable auto insurance rates for 20 year old guys requires a bit more work. Each auto insurance company has their own guidelines for determining prices, so we’ll go over the overall cheapest auto insurance companies in Corpus Christi, TX.

Keep in mind that Corpus Christi auto insurance rates are determined by lots of factors that control the price of coverage. Things like getting older, getting divorced, or having an accident can produce rate changes that can make some companies cheaper in comparison to the competition.

Best Auto Insurance Prices for Men Age 20

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,128
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,244
5 Esurance $1,365
6 California Casualty $1,396
7 Mercury $1,476
8 State Farm $1,510
9 Safe Auto $1,549
10 Nationwide $1,600
11 Allstate $1,667
12 Progressive $1,698
13 Amica $1,705
14 GEICO $2,093
15 Home State $2,155
16 MetLife $2,183
17 Unitrin $2,310
18 Encompass $2,324
19 21st Century $2,469
20 Titan $2,646
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Travelers may offer some of the most affordable 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 Esurance also rank well as some of the cheapest Corpus Christi, TX car insurance companies.

As shown in the rates above, if you currently buy coverage from Esurance and switched to USAA, you may see an annual premium reduction of in the vicinity of $237. Policyholders with California Casualty could save as much as $268 a year, and Mercury customers might lower prices by $348 a year.

Remember that these rates are averages across all drivers and vehicles in Texas and and are not figured with a specific location for 20 year old guys. So the car insurance company that is best suited for you may not even be in the top 23 companies shown above. That affirms the importance of why you need to get rate quotes from many companies using your own driver data and vehicle information.

Types of discounts on Corpus Christi auto insurance rates

Discounts on auto insurance for 20 year old guysInsurers that offer coverage for 20 year old guys may provide policy discounts that could potentially reduce rates by as much as 30% if you can meet the requirements. A list of companies and a selection of discounts can be found below.

The diagram below compares insurance costs with and without policy discounts. The data is based on a female driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paperless filing, anti-theft, continuous coverage, paid-in-full, passive restraint, and good student discounts applied. When these discounts are applied, the average savings per year on auto insurance for 20 year old guys is 21% or $363.

Full coverage versus liability-only in Corpus Christi

Paying less for auto insurance is the goal of the majority of people, and a great way to save on the cost of insurance for 20 year old guys is to only pay for liability coverage. The illustration below shows the difference between car insurance rates 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, marital status is single, and no discounts are taken into consideration.

If all age groups are averaged, physical damage insurance costs an extra $1,598 per year over having just liability coverage. Many drivers will wonder if you should buy full coverage. There is no definitive rule of when to drop full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your vehicle’s replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If you are paying over $300 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some cases where eliminating full coverage is not recommended. If you haven’t paid off your loan, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Why you should be shopping around

Texas auto insurance rates are influenced by many factors which can significantly increase or decrease the price of your policy. Simply having a birthday, moving to a different location, or getting a speeding ticket can trigger changes in premium that can now make some companies more affordable than competitors. In addition to those changes, insurers file new Texas auto insurance rates as often as every three months to ensure their profitability. Significantly higher claims may result in high rates, while a profitable period may result in cheaper Corpus Christi car insurance rates.

The bar chart below compares the cheapest car insurance in Corpus Christi, TX for a 30-year-old male driver with no accidents or violations, and a good credit rating. When quoting prices based on his current situation, Travelers offers the most affordable car insurance rates in Corpus Christi at $1,089 per year. This is $815 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty round out the rest of the best Corpus Christi, TX auto insurance companies.

Now we will give the driver from the above example a chargeable claim, poor credit, and a traffic ticket or two. Because each insurer uses their own formula for filing rates in each state, getting updated rate quotes may result in a completely different list of companies as shown below.

State Farm now has the cheapest insurance rate in Corpus Christi, TX with Mercury, USAA, Safe Auto, and Nationwide also being competitive. This example illustrates why it is critical to perform a complete rate comparison to get the best car insurance quotes for 20 year old guys. Auto insurance prices consist of many risk factors and can change without notice, so the most affordable company the last time you shopped your coverage around may now not even be in the top five.

Ideas for finding budget-friendly car insurance for 20 year old guys

The list below details a few thrifty solutions that can help Corpus Christi drivers locate low-cost coverage.

The last suggestion is incredibly vital, as was stressed in the article above. Auto insurance prices change constantly, so drivers shouldn’t hesitate to change insurance companies if a cheaper rate is available. Being loyal to a particular company is commendable, but it isn’t a good idea if that faithfulness ends up costing you thousands of dollars over the life of your policy. It takes less than five minutes to compare rates and find cheaper car insurance for 20 year old guys in Corpus Christi.

If you have questions and prefer to have a professional recommendation when comparing insurance rates for young men, the professional agents shown below can answer your questions and help you decide which coverages you need. To find an auto insurance agency close to where you live, click the button after the list.

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