Updated: May 20, 2024
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The ideal company for you depends on your profile and needs. Texas Farm Bureau offers the best car insurance in Corpus Christi and is ideal for young adults, minimum coverage and seniors. Chubb is ideal for customer service. State Farm will best suit teens and drivers with offenses. Allstate is the best for drivers with new cars.
If cost is most important to you, we’ve found the cheapest car insurance in Corpus Christi, Texas.
BestCar InsuranceCorpus ChristiTable of Contents (Jump to Your Best Fit)
Why Trust MoneyGeek? We assessed various insurance providers in Corpus Christi based on financial stability, essential coverages, customer satisfaction, claims experience and affordability and ranked them using our proprietary scoring system. MoneyGeek gathered relevant data from Quadrant Information Services and the Texas Department of Insurance.
MoneyGeek analyzed that the following insurance companies offer the best car insurance in Corpus Christi for full coverage:
Texas Farm Bureau scored well in affordability and satisfaction. USAA car insurance will suit you best if you’re an active-duty military member or a veteran. It has a MoneyGeek score of 80 out of 100.
Texas Farm Bureau also offers the best car insurance in Texas, scoring 91 out of 100.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the overall best car insurance was calculated with the following weights:
Great customer service score
Affordable rates
Provides roadside assistance and rental car or travel reimbursement
Average scores for available coverages
Low claims score
No accident forgiveness or deductible modification coverage
Texas Farm Bureau offers one of the most affordable policies and ranks well for customer satisfaction, but it only offers common coverages like roadside assistance and rental car or travel reimbursement.
This insurer’s roadside assistance coverage helps you in case your vehicle breaks down and becomes undrivable due to electrical or mechanical failure. It’s available 24 hours daily and covers expenses incurred in services like flat tire repair, fuel delivery and locksmith labor. The maximum amount this coverage will pay towards these services is $120.
You can get rental car reimbursement coverage to protect you against rental car expenses when your vehicle is being repaired after damage in an accident. This coverage is only available if you have both comprehensive and collision insurance.
MoneyGeek assessed 12 insurance providers in Corpus Christi based on various factors and found Texas Farm Bureau the best option based on affordability and service. State Farm, the runner-up and the cheapest insurer, was ranked second because of its low claims settlement score. Foremost ranked the highest for customer satisfaction but charged pretty expensive rates, which is why it has a low overall rank.
These rates are for a full coverage policy. We only scored those insurers for which enough data could be found for all individual scoring components.
| Texas Farm Bureau | MoneyGeek Score (out of 100)79 | Annual Premium$714 | Satisfaction Score (out of 5)5 | Claims Score (out of 5)2 | Coverages Score (out of 5)3 | Stability Score (out of 5)3 |
| State Farm | MoneyGeek Score (out of 100)76 | Annual Premium$659 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)2 | Coverages Score (out of 5)3 | Stability Score (out of 5)5 |
| Chubb | MoneyGeek Score (out of 100)72 | Annual Premium$1,319 | Satisfaction Score (out of 5)5 | Claims Score (out of 5)4 | Coverages Score (out of 5)3 | Stability Score (out of 5)5 |
| GEICO | MoneyGeek Score (out of 100)67 | Annual Premium$989 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)2 | Coverages Score (out of 5)3 | Stability Score (out of 5)5 |
| Allstate | MoneyGeek Score (out of 100)67 | Annual Premium$863 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)4 |
| Mercury | MoneyGeek Score (out of 100)67 | Annual Premium$846 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)3 | Stability Score (out of 5)3 |
| AAA Texas | MoneyGeek Score (out of 100)62 | Annual Premium$1,058 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)2 | Coverages Score (out of 5)3 | Stability Score (out of 5)3 |
| Foremost | MoneyGeek Score (out of 100)62 | Annual Premium$1,531 | Satisfaction Score (out of 5)5 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)3 |
| Nationwide | MoneyGeek Score (out of 100)60 | Annual Premium$1,180 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)4 |
| Progressive | MoneyGeek Score (out of 100)58 | Annual Premium$1,328 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)4 |
| National General | MoneyGeek Score (out of 100)49 | Annual Premium$1,407 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)1 | Stability Score (out of 5)4 |
| Dairyland | MoneyGeek Score (out of 100)No Data | Annual Premium$1,864 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)No Data | Coverages Score (out of 5)4 | Stability Score (out of 5)4 |
When we excluded cost from our scoring system, the following companies stood out as the ideal options for the best customer service in Corpus Christi for full coverage:
Chubb ranked highly for claims and customer satisfaction. The insurer offers one of the most expensive policies because of its good service.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Customer Service was calculated with the following weights:
Excellent claims management score
Scored highly for customer satisfaction
Offers original equipment manufacturer (OEM) coverage, agreed value coverage and rental car reimbursement
Average scores for coverage options
Expensive
No roadside assistance
Chubb offers few coverage options, but it does provide rare coverage like OEM and agreed-value coverage. It also provides rental car reimbursement, which is a common coverage.
OEM coverage can benefit policyholders who want OEM parts and procedures in their vehicles during repairs. This coverage ensures original parts are used so your vehicle’s safety systems can work properly.
Chubb also offers agreed-value coverage that protects you from a significant loss if your car is stolen or totaled. This coverage lets you decide your vehicle’s worth when your policy is written. The insurer then pays the agreed amount in case of an accident or theft.
The rental car reimbursement coverage covers the cost of a rental car when your vehicle is being repaired after an accident.
An insurance provider with the best customer service will offer a smooth claims filing process while resolving your complaints promptly.
Although Chubb ranked third for customer satisfaction, it scored the highest for claims settlement, which made it the most suitable option for best customer service. Foremost ranked higher than Chubb for customer satisfaction, but it has an average claims settlement score.
After analyzing various insurers offering state-minimum policies in Corpus Christi based on service quality and affordability, we found that these companies are the best options:
You will pay the lowest rates for these state-minimum policies, but you also won’t get protection against liability costs, and these policies will not cover damages to your vehicle in an accident. The minimum car insurance requirements in Texas are similar for every location in the state.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the Best Cheap company was calculated with the following weights:
An affordable minimum coverage policy costs an average of $374 per year.
Discounts including bundling, multiple car and anti-theft system discount
Ranked well for customer satisfaction
Average score for claims management
Mediocre score for coverages
No multiple car or safe driving discounts
After analyzing various insurers offering state-minimum policies in Corpus Christi, Texas Farm Bureau has one of the highest scores for customer satisfaction, which shows it received fewer complaints based on J.D. Power's satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index. It also offers one of the most affordable policies in Corpus Christi.
You can receive a discount from this company if you bundle your auto, home, renters or other policies. Texas Farm Bureau also offers a discount on insuring multiple cars.
Some rare discounts include the anti-theft system discount, which you can get if such a system is installed in your vehicle. You can also lower your premium if you have window glass etching or an electronic tracking device installed in your car.
Keep in mind this insurer offers limited coverage options, which could be a downside for some potential customers.
The ideal minimum coverage insurance provider will offer you the most affordable rates and quality service. You might find such an insurer, but sometimes there’s a trade-off.
Texas Farm Bureau is the best insurer because it charges one of the most affordable rates and is also ranked well for customer service. State Farm has better affordability but doesn’t provide good service.
The following companies offer the best car insurance for young adults for full coverage in Corpus Christi:
Texas Farm Bureau scored well for affordability and customer satisfaction. Young drivers can benefit from reasonable premiums and great customer service since they might be more likely to file claims or be on a tighter budget.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Young Adults was calculated with the following weights:
Affordable rates of $892 annually
Great customer service score
Provides driver’s education and good student discounts
Does not rank well for coverage options
Lower claims management score
Texas Farm Bureau is one of the cheapest options for auto insurance for young adults. It also ranks well for customer satisfaction, showing exceptional service quality.
You might not find many opportunities to save with this company if you’re a young driver, as it only offers a few related discounts. The insurer will lower your premium if you are under 25 and have completed an accredited driver’s training program. You can also get a discount if you have good grades in college.
Texas Farm Bureau offers common coverages like roadside assistance and rental car or travel reimbursement. The roadside assistance coverage helps you get back on the road if your car breaks down and pays for related expenses. With rental car reimbursement, you can cover the cost of a rental car if your car is damaged in an accident.
When choosing an insurer as a young adult, consider a company offering affordable rates, various coverages and discounts. The ideal company will also rank well for customer service.
Although Texas Farm Bureau does not offer many coverages, it offers a couple of discounts for young drivers and ranks high for customer satisfaction and affordable policies. State Farm charges the lowest rates but does not offer the same level of service.
MoneyGeek found these companies offer the best car insurance for teens on a family policy with full coverage in Corpus Christi:
State Farm scored well for customer satisfaction and affordability. You can significantly save on a family plan as a teen driver. We found that a 16-year-old driver pays an average of $3,267 more for their own policy vs. being on a family policy in Cincinnati. It’s important to note that teens under 18 can’t get coverage without a guardian’s permission.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Teens was calculated with the following weights:
Provides cheap policies at an average cost of $2,265 per year
Ranked highly for customer service
Offers distant student, good student and driver’s education discounts
Ranked poorly for claims management
Lower score for coverage options
State Farm’s policies are affordable compared to other insurance providers. The company also ranked well for customer satisfaction, which shows it received fewer complaints according to J.D. Power reports and the NAIC complaint index.
You can lower the premiums of your State Farm policy by taking advantage of its various discounts, including good student, distant student and driver’s education discounts. A good student discount is for a college student with outstanding academic performance, which means maintaining a GPA of 3.0 or higher.
You may qualify for a distant student discount if you’re under 25, move away for school and only use the car at home. You can also get a discount if you’re under 21 and have taken an approved driver’s education course.
Most insurance providers charge expensive rates to insure teen drivers. The best insurer for a teen driver will offer affordable rates, discounts and coverages specifically for new drivers.
We found State Farm to be the best insurer because it offers the most affordable policy and various student-related discounts. Foremost scored better for satisfaction, but it took the second spot due to its more expensive rates.
Based on MoneyGeek’s analysis, the following companies offer the best car insurance for seniors who need full coverage in Corpus Christi:
Texas Farm Bureau ranked the highest for affordability and has an excellent customer satisfaction score.
We found that insurers charge similar rates to drivers in their 60s as drivers in their 30s through 50s, but rates generally increase for drivers in their 70s. You can save on your car insurance policy by shopping around for car insurance in the city.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Seniors was calculated with the following weights:
Provides the most affordable policies at an average cost of $598 per year
Excellent customer satisfaction score
Offers roadside assistance and rental car/travel reimbursement
Average scores for claims management
Lower score for coverages
No senior discounts
Texas Farm Bureau offers insurance policies for seniors at the cheapest rates. charging an average of only $598 per year. The company also offers good service quality, ranking well for customer satisfaction.
Senior drivers can get valuable coverage with this company, including roadside assistance and rental car or travel reimbursement. The roadside assistance coverage will benefit them if their vehicle breaks down and they need assistance with towing, flat tire repair or fuel delivery.
If you damage your car in an accident and it’s being repaired, the rental car reimbursement coverage will cover the expenses of a rental car. You must have comprehensive and collision insurance coverage to access this add-on.
Seniors can lower their premiums with Texas Farm Bureau’s safe driving discount, but this insurer doesn’t offer any senior-specific discounts.
You won’t generally pay expensive rates as a senior driver, so it’s best to opt for an insurance company offering coverage like personal injury protection (PIP) or medical payments coverage since you will be susceptible to a severe injury in case of an accident.
Texas Farm Bureau ranked well for customer satisfaction, and it offers a safe driving discount. State Farm also offers such a discount but does not rank well for customer satisfaction.
The following companies offer the best car insurance in Corpus Christi for drivers with offenses who need full coverage:
State Farm scored well for affordability and customer service. Insurers may charge you higher rates based on the severity of your offense. The average annual premium increase for someone who has driven while intoxicated is $542, while it’s $231 more per year for a driver with a speeding ticket.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Drivers With Offenses was calculated with the following weights:
Affordable policies costing $1,202 annually
Good customer service score
Provides rental car reimbursement and roadside assistance
Does not offer accident forgiveness and new car replacement coverage
Average scores for claims management
Lower score for coverage options
You can get one of the cheapest policies with State Farm, which ranked second for affordability among other insurers in Corpus Christi. The company also scored well for customer satisfaction. Policyholders might be unimpressed by the provider’s coverage options and claims management process.
Drivers with offenses can add rental car reimbursement coverage to their State Farm policy. This helps you cover rental car and transportation expenses if your car is damaged due to an accident. It can pay up to $500 for these expenses and the same amount for the deductible repayment if you cause an accident in your rental car.
State Farm’s roadside assistance coverage can help you in case of vehicle breakdown, helping you pay for expenses like towing, mechanical labor, locksmith labor and delivery of oil and gas.
On-road violations can significantly increase your car insurance rates, so choosing an insurance company that offers affordable rates for drivers with offenses on their records is essential. The best insurer will also offer various discounts and coverages.
State Farm ranked well for affordability and satisfaction, so it's the top choice for car insurance. Texas Farm Bureau isn't the most suitable option because of its expensive rates.
The best full coverage car insurance companies for drivers with new cars in Corpus Christi are:
For this category, we ranked insurers that offer new car or better car replacement coverage after analyzing affordability and service quality for drivers with a 2022 model car in Texas. New car replacement coverage can immensely benefit new car owners, as they can get a brand-new car of the same make and model if their car gets totaled in an accident.
Allstate has the perfect score for affordability and ranked well for coverage options, making it a good choice for drivers with new cars.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for New Cars was calculated based on insurers offering new or better car replacement coverage and the following weights:
Offers the most affordable policy at an average cost of $1,387 per year
Provides new car replacement coverage
Ranked well for coverage options
Average scores for customer satisfaction
No better car replacement coverage
Allstate is the cheapest car insurance company for drivers with new cars, charging an average of $1,387 per year. It also offers many common and rare coverage with its policies.
With its new car replacement coverage, Allstate will replace your car with a completely new one if it gets totaled in an accident. Keep in mind that your vehicle must be two years old or less to qualify for this coverage.
The company offers many rare coverages, including custom parts, portable electronics and media and gap insurance coverage.
Custom parts coverage protects you against damage to custom equipment like special carpeting, bars, custom murals, decals and graphics. With portable electronics and media coverage, you will have coverage against the loss of compact discs, tapes or other items used in an auto sound system.
The ideal car insurer for drivers with new cars in Corpus Christi will offer new car or better car replacement coverage and affordable rates.
Since Allstate is the cheapest insurer for these drivers and offers new car replacement coverage, it is the best choice for a policy. Foremost also offers this coverage, but its policies are expensive.
The insurance provider offering the best car insurance in Corpus Christi will balance service reputation, cost and financial stability. We gathered the essential information to help you choose the best provider, but you can also do your own research by following these steps.
We researched vital information about the customer service of many insurance companies. If you want to do it yourself, J.D. Power satisfaction scores and the NAIC complaint ratios in Corpus Christi are the best resources. Another credible source is the Texas Department of Insurance.
We mentioned the average rates for various sample drivers in Corpus Christi, but you might get different quotes based on many factors related to your profile and background. The ideal way to estimate your car insurance cost is to get at least three quotes from different insurance providers.
Insurers advertise certain coverages and discounts, but they might not be available in your location. Before you choose an insurance company, you should confirm if they offer the discounts and coverages you want in your area.
You must assess an insurance company’s financial strength since this can help you understand if it’s financially stable and can pay your claims on time. Large insurance providers are generally stable, but that might not be true with regional insurance companies.
The best car insurance in Corpus Christi will vary based on what you’re looking for and your needs. These frequently asked questions will help you understand the different insurers available in the city.
The best car insurance company in Corpus Christi is Texas Farm Bureau, with a MoneyGeek score of 79 out of 100 and an average cost of $714 per year for a full coverage policy. This insurer is also the best option for young adults, seniors and minimum coverage policies.
The best cheap car insurance company in Corpus Christi is also Texas Farm Bureau, with an overall MoneyGeek score of 79 out of 100 and an annual policy cost of $374 for minimum coverage policies. It is also the best overall insurer and ideal for young drivers and seniors.
About Mark Fitzpatrick
Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
