Best Corpus Christi, TX Car Insurance in 2024
Car insurance in Corpus Christi, TX averages $335 a month. Corpus Christi, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Corpus Christi car insurance rates, compare quotes from the top car insurance companies in Corpus Christi, TX.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Corpus Christi is 78418
- The cheapest car insurance company in Corpus Christi for teen drivers is USAA
- Average car insurance rates in Corpus Christi, TX are $4,018/year
If you need to buy Corpus Christi, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Corpus Christi, TX is right here.
You’ll find Corpus Christi car insurance rates, the cheapest Corpus Christi, TX car insurance companies, and information on Texas car insurance laws. You can also compare Corpus Christi, Texas car insurance rates to El Paso car insurance rates, Dallas car insurance rates, and Fort Worth car insurance rates.
Ready to find affordable Corpus Christi, TX car insurance today? Enter your ZIP code for fast, free Corpus Christi car insurance quotes.
Cheapest Corpus Christi, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Corpus Christi, TX car insurance rates? Every Corpus Christi, Texas car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,611 | $3,637 | $3,564 | $3,564 | $9,581 | $11,547 | $4,458 | $4,635 |
| American Family | $3,196 | $3,599 | $3,073 | $3,560 | $9,254 | $12,057 | $4,750 | $5,425 |
| Geico | $2,382 | $2,598 | $2,364 | $2,739 | $5,194 | $5,309 | $2,560 | $2,492 |
| Nationwide | $2,684 | $2,725 | $2,377 | $2,512 | $7,563 | $9,692 | $3,151 | $3,405 |
| Progressive | $2,219 | $2,095 | $1,983 | $2,017 | $9,317 | $10,386 | $2,611 | $2,631 |
| State Farm | $2,028 | $2,028 | $1,813 | $1,813 | $4,909 | $6,258 | $2,209 | $2,266 |
| USAA | $1,540 | $1,554 | $1,478 | $1,475 | $4,248 | $4,629 | $2,053 | $2,205 |
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Minimum Car Insurance in Corpus Christi, TX
Every driver must carry the minimum car insurance in Corpus Christi, TX. Take a look at the Texas car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Corpus Christi, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Corpus Christi, TX. Compare credit history car insurance rates in Corpus Christi from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,084 | $5,192 | $4,448 |
| American Family | $7,599 | $4,941 | $4,302 |
| Geico | $4,944 | $2,801 | $1,870 |
| Nationwide | $5,127 | $4,104 | $3,559 |
| Progressive | $4,674 | $4,046 | $3,752 |
| State Farm | $4,116 | $2,574 | $2,057 |
| USAA | $3,502 | $2,042 | $1,650 |
Cheapest Corpus Christi, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Corpus Christi, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,311 | $6,695 | $6,982 | $4,311 |
| American Family | $5,082 | $6,567 | $5,726 | $5,082 |
| Geico | $2,720 | $3,605 | $2,985 | $3,510 |
| Nationwide | $3,703 | $3,703 | $5,469 | $4,179 |
| Progressive | $3,627 | $4,697 | $4,232 | $4,073 |
| State Farm | $2,582 | $2,972 | $3,526 | $2,582 |
| USAA | $1,790 | $2,644 | $3,103 | $2,055 |
Cheapest Corpus Christi, TX Car Insurance for Teen Drivers
Teen car insurance in Corpus Christi, TX can be expensive. Take a look at rates from the top car insurance companies in Corpus Christi for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,581 | $11,547 |
| American Family | $9,254 | $12,057 |
| Geico | $5,194 | $5,309 |
| Nationwide | $7,563 | $9,692 |
| Progressive | $9,317 | $10,386 |
| State Farm | $4,909 | $6,258 |
| USAA | $4,248 | $4,629 |
Cheapest Corpus Christi, TX Car Insurance for Seniors
Take a look at Corpus Christi, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,564 | $3,564 |
| American Family | $3,073 | $3,560 |
| Geico | $2,364 | $2,739 |
| Nationwide | $2,377 | $2,512 |
| Progressive | $1,983 | $2,017 |
| State Farm | $1,813 | $1,813 |
| USAA | $1,478 | $1,475 |
Cheapest Corpus Christi, TX Car Insurance Rates After a DUI
A DUI in Corpus Christi, TX increases car insurance rates. Compare Corpus Christi, Texas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,982 |
| American Family | $5,726 |
| Geico | $2,985 |
| Nationwide | $5,469 |
| Progressive | $4,232 |
| State Farm | $3,526 |
| USAA | $3,103 |
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Cheapest Corpus Christi, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Corpus Christi, TX by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,438 | $5,712 |
| American Family | $5,614 | $5,614 |
| Geico | $3,144 | $3,266 |
| Nationwide | $4,264 | $4,264 |
| Progressive | $4,157 | $4,157 |
| State Farm | $2,915 | $2,915 |
| USAA | $2,367 | $2,428 |
Cheapest Corpus Christi, TX Car Insurance Rates by ZIP Code
Corpus Christi car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Corpus Christi, TX.
| ZIP Code | Average Annual Rates |
|---|---|
| 78401 | $6,115 |
| 78402 | $5,876 |
| 78404 | $5,838 |
| 78405 | $6,118 |
| 78406 | $5,819 |
| 78407 | $6,017 |
| 78408 | $6,081 |
| 78409 | $5,823 |
| 78410 | $5,819 |
| 78411 | $5,891 |
| 78412 | $6,099 |
| 78413 | $5,938 |
| 78414 | $5,935 |
| 78415 | $6,380 |
| 78416 | $6,057 |
| 78417 | $6,009 |
| 78418 | $5,620 |
| 78419 | $5,738 |
The Best Cheap Car Insurance Companies in Corpus Christi, TX
Take a look at a side-by-side comparison of the top car insurance companies in Corpus Christi, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,575 |
| American Family | $5,614 |
| Geico | $3,205 |
| Nationwide | $4,264 |
| Progressive | $4,157 |
| State Farm | $2,915 |
| USAA | $2,398 |
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Category Winners: Cheapest Car Insurance in Corpus Christi, Texas
Find the cheapest car insurance companies in Corpus Christi, TX for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Cheapest Corpus Christi, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Corpus Christi car insurance rates. Find the cheapest Corpus Christi, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,440 | $5,524 | $5,761 |
| American Family | $5,163 | $5,359 | $6,321 |
| Geico | $2,963 | $3,135 | $3,516 |
| Nationwide | $4,535 | $4,080 | $4,176 |
| Progressive | $3,920 | $4,135 | $4,417 |
| State Farm | $2,727 | $2,897 | $3,122 |
| USAA | $2,301 | $2,385 | $2,508 |
What affects car insurance rates in Corpus Christi, Texas?
What factors can have an impact on Corpus Christi, TX car insurance? There are several reasons why Corpus Christi car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Corpus Christi, Texas.
Car Theft in Corpus Christi
High levels of vehicle theft can make car insurance more expensive. Corpus Christi, TX car theft statistics from the FBI indicate 916 vehicle thefts a year.
Commute Time in Corpus Christi
The more time you spend in your car the higher the risk of an accident. The average commute length in Corpus Christi, TX is 19.4 minutes according to City-Data.
Traffic in Corpus Christi
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Corpus Christi, TX traffic data from INRIX ranks Corpus Christi as the 805th-most congested in the world.
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Compare Car Insurance Quotes in Corpus Christi, TX
Ready to find affordable Corpus Christi, Texas car insurance today? Enter your ZIP code for fast, free Corpus Christi, TX car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Corpus Christi, TX?
To compare car insurance rates in Corpus Christi, TX, you can follow these steps:
- Gather information: Collect details about your vehicle, including its make, model, year of manufacture, and any safety features it has. Also, be prepared with your personal information, such as your age, driving history, and the number of miles you drive annually.
- Research insurance companies: Look for reputable insurance companies that offer coverage in Corpus Christi, TX. Consider factors like financial stability, customer reviews, and the types of coverage they provide.
- Obtain quotes: Contact several insurance companies or use online tools that allow you to request quotes. Provide the necessary information to receive accurate quotes for the coverage you need.
- Compare rates and coverage: Review the quotes you receive and compare the rates and coverage options offered by different insurance companies. Pay attention to the deductibles, limits, and any additional benefits or discounts they may offer.
- Consider other factors: Besides price, consider factors such as customer service, claims handling, and the company’s reputation when making your decision.
- Make a decision: Once you have compared the rates and coverage options, choose the car insurance policy that best meets your needs and budget.
What factors affect car insurance rates in Corpus Christi, TX?
Several factors can influence car insurance rates in Corpus Christi, TX. These include:
- Age and gender: Younger drivers and male drivers tend to have higher insurance rates due to statistically higher accident risks.
- Driving record: A history of traffic violations or accidents can increase insurance premiums.
- Vehicle type: The make, model, and age of your vehicle can affect rates. Expensive or high-performance cars may have higher premiums.
- Coverage and deductibles: The type and level of coverage you choose, as well as your deductibles, can impact rates.
- Credit history: In some states, including Texas, credit history is a factor in determining car insurance rates.
- Annual mileage: The number of miles you drive annually can affect your premiums.
- Location: Your ZIP code can impact rates due to factors like crime rates, population density, and accident statistics.
Are there any discounts available for car insurance in Corpus Christi, TX?
Yes, insurance companies often offer various discounts that can help you save on car insurance in Corpus Christi, TX. Some common discounts include:
- Safe driver discount: This discount is given to drivers with a clean driving record, usually without any accidents or traffic violations within a specific timeframe.
- Multi-policy discount: If you have multiple insurance policies with the same company, such as home and auto insurance, you may be eligible for a discount.
- Good student discount: Full-time students who maintain good grades may qualify for a discount.
- Safety features discount: If your car has safety features such as anti-lock brakes, airbags, or an anti-theft system, you may be eligible for a discount.
- Low mileage discount: If you drive fewer miles than the average driver, you may be eligible for a discount.
- Defensive driving course discount: Completing an approved defensive driving course can sometimes lead to a discount. It’s important to check with individual insurance providers to see which discounts they offer and if you qualify for any of them.
How can I lower my car insurance rates in Corpus Christi, TX?
Here are some tips to help lower your car insurance rates in Corpus Christi, TX:
- Shop around: Compare quotes from different insurance companies to find the best rates and coverage options.
- Increase your deductibles: By opting for a higher deductible, you can lower your insurance premiums.
- Bundle your policies: Consider getting multiple insurance policies, such as home and auto insurance, from the same provider. Insurance companies often offer discounts for bundling policies.
- Take advantage of discounts: Inquire about available discounts, such as safe driver discounts, good student discounts, or discounts for safety features in your car. Make sure to ask your insurance provider about any potential discounts you may qualify for.
- Maintain a good driving record: Avoid traffic violations and accidents to keep your insurance rates low. Safe driving can qualify you for discounts and prevent premium increases.
What is the minimum car insurance coverage required in Corpus Christi, TX?
In Corpus Christi, TX, like the rest of Texas, the minimum car insurance coverage requirements include:
- Bodily Injury Liability: $30,000 per person and $60,000 per accident.
- Property Damage Liability: $25,000 per accident.
Can I drive without car insurance in Corpus Christi, TX?
No, it is illegal to drive without car insurance in Corpus Christi, TX, and throughout Texas. All drivers must carry at least the minimum required liability insurance coverage. Driving without insurance can result in penalties, fines, and potential license and registration suspension. It’s essential to maintain valid car insurance coverage at all times while operating a vehicle.
How can I find information about complaints or reviews of car insurance companies in Corpus Christi, TX?
There are a few ways to gather information about complaints or reviews of car insurance companies in Corpus Christi, TX:
- State insurance department: Visit the Texas Department of Insurance website or contact them directly to inquire about complaint data, consumer guides, or any resources they provide to help evaluate insurance companies.
- Online review platforms: Look for reputable online platforms that aggregate customer reviews and ratings for insurance companies. Websites such as Consumer Affairs, Consumer Reports, or the Better Business Bureau (BBB) can provide insights into the experiences of other customers.
- Seek recommendations: Ask friends, family, or colleagues in Corpus Christi, TX, about their experiences with car insurance companies. Personal recommendations can offer valuable insights and help you make an informed decision.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.