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.
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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.
|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|
|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
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
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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
Insurers 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.
- AAA offers discounts for pay-in-full, good student, multi-car, education and occupation, and multi-policy.
- Progressive may include discounts for multi-policy, online quote discount, homeowner, online signing, continuous coverage, good student, and multi-vehicle.
- State Farm offers premium reductions for safe vehicle, multiple policy, multiple autos, defensive driving training, good student, passive restraint, and Steer Clear safe driver discount.
- Esurance offers discounts including paid-in-full, Pac-12 alumni, emergency road assistance, anti-lock brakes, and defensive driver.
- Nationwide may have discounts that include multi-policy, defensive driving, anti-theft, business or organization, accident-free, and Farm Bureau membership.
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.
- Do not waste money insuring older vehicles for full coverage
- If possible, do not file small claims
- Do not get traffic citations
- Accident-free drivers may qualify for discounts
- Raise your deductibles
- Check for cheaper rates once a year
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.
- Alliance Insurance Agency, Inc.
13310 Leopard St #4 – Corpus Christi, TX 78410 – (361) 241-3303
- Borden Insurance
210 S Carancahua St Fl 4 – Corpus Christi, TX 78401 – (361) 882-6543
- Francisco Aguilar – State Farm Insurance Agent
5829 Weber Rd – Corpus Christi, TX 78413 – (361) 991-8242