BestCar InsuranceCorpus ChristiThe Best Car Insurance in Corpus Christi, TX, for 2023
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Ensure you're getting the best rate. Review quotes from a top insurance company.
State Farm is the best overall car insurance company in Corpus Christi, according to MoneyGeek, but the best for you will depend on your age and history. We identified the best alternatives for young and older drivers, and for those with traffic offenses and military experience. For individuals trying to save money, MoneyGeek also provides information on the cheapest car insurance in Corpus Christi.
BestCar InsuranceCorpus ChristiThe Best Car Insurance in Corpus Christi
Overall - State Farm
Minimum Coverage - Farmers
Young Drivers - GEICO
Senior Drivers - State Farm
Driving Violations - State Farm
Military - USAA
Best Car Insurance Companies in Corpus Christi: Overall
MoneyGeek looked at average prices, claims ratings and customer satisfaction to determine the top auto insurance companies in Corpus Christi. Based on our unique ranking system, the following are the best overall car insurance providers:
- State Farm: 95 out of 100
- Farmers: 92 out of 100
The top overall insurer in the city is USAA, which achieved a MoneyGeek score of 97 out of 100. However, USAA only serves current and former military personnel, so it’s not a generally available choice.
The Top Car Insurance Companies in Corpus Christi
1
State FarmOverall
Score:95
MoneyGeek rated State Farm 4 out of 5 for customer satisfaction and claims, 4.9 for affordability, and a perfect 5 for stability. Ridesharing insurance is one of the company’s unique coverages, protecting drivers who work for rideshare firms. A full-coverage State Farm policy costs around $876 per year.
More About State Farm
State Farm is a top-rated auto insurance business with plans available in all 50 states. Its most uncommon coverage, rideshare insurance, extends your car insurance policy to cover you while working for a ridesharing firm. Except for liability insurance, all coverages remain in effect as long as the ridesharing app is active and you are available for hire.
Read MoneyGeek's State Farm auto Insurance Review2
Farmers
Score:93
Farmers has excellent scores for affordability and above-average scores for customer satisfaction and claims. A full coverage policy costs around $800 in Corpus Christi. One of the company’s unique policy add-ons is original equipment manufacturer (OEM) coverage.
More About Farmers
Farmers’ unique original equipment manufacturer (OEM) add-on covers the cost of utilizing factory-original parts in approved repairs on vehicles up to ten years old. When loss is limited to glass, the glass deductible modification add-on helps reduce the comprehensive deductible to $100.
Read MoneyGeek's Farmers auto Insurance ReviewRESOURCES ON CAR INSURANCE IN CORPUS CHRISTI, TEXAS
To assist drivers trying to save money, MoneyGeek looked into the cheapest auto insurance providers in Corpus Christi. MoneyGeek has assembled the following information for those who want to learn more about car insurance in Texas:
Best Cheap Car Insurance for Minimum Coverage in Corpus Christi
The top-rated firms in Corpus Christi for drivers looking for a policy that fulfills the Texas law for minimum coverage auto insurance are:
- Farmers: 93 out of 100
- State Farm: 93 out of 100
MoneyGeek's rankings take into account a variety of factors, including the age and experience of drivers, as well as traffic offenses.
MoneyGeek’s Pick: Farmers
pros
A minimum coverage policy costs $428 per year
Pay-in-full, multiple-cars and automatic payment discounts
MoneyGeek claims rating of 4 out of 5
MoneyGeek satisfaction rating of 4 out of 5
cons
No defensive driving discount
COMPANY HIGHLIGHTS
Farmers offers discounts when you combine home, life, umbrella, small business or specialty insurance policies with your car insurance. You may also save money if you have a clean driving record and insure several vehicles.
Farmers offers various discounts, including one for using daytime running lights and a discount if you own your house, even if it isn't insured with Farmers. You may also qualify for a discount if the insurance includes a driver under 20 and there are more drivers than cars in the household.
Best Car Insurance for Young Drivers in Corpus Christi
MoneyGeek used profiles of young drivers to select the top car insurance providers for this driver category, as follows:
- GEICO: 92 out of 100
- State Farm: 89 out of 100
We calculated scores using a combination of insurance coverages and driving records for 18-year-olds. It's worth remembering that auto insurance for young drivers and car insurance rates for students are generally more expensive because inexperienced drivers are considered high risk.
MoneyGeek’s Pick: GEICO
pros
An affordable full coverage policy for a safe driver costs $2,174 per year
MoneyGeek claims rating of 4 out of 5
MoneyGeek customer satisfaction rating of 4 out of 5
Discounts including driver's education and good student
cons
No distant student discount
COMPANY HIGHLIGHTS
Adding a young driver to your insurance might be costly, but GEICO has some of the cheapest rates in Corpus Christi, as well as excellent service. For younger drivers and their parents, choosing a business with dependable service provides peace of mind.
GEICO also offers savings to students and young drivers. For example, finishing a driver's education course and being a full-time student with a solid academic record may qualify young drivers for a discount.
Best Car Insurance for Senior Drivers in Corpus Christi
Senior driver car insurance is often more expensive than insurance for middle-aged drivers, even for the same coverage. If you're a senior citizen, MoneyGeek has identified the following as the best auto insurance companies in Corpus Christi for your needs:
- State Farm: 96 out of 100
- Farmers: 91 out of 100
MoneyGeek analyzed different policy coverages and rates for 70-year-old drivers to arrive at these ratings.
MoneyGeek’s Pick: State Farm
pros
An affordable full coverage policy for a safe driver costs $848 per year
Offers a defensive driving discount
MoneyGeek customer satisfaction rating of 4 out of 5
MoneyGeek claims rating of 4 out of 5
cons
Doesn’t offer senior driving discount
COMPANY HIGHLIGHTS
Many insurers charge older drivers more than middle-aged drivers for car insurance. State Farm, however, keeps its coverage and discounts inexpensive for senior drivers. For example, completing a defensive driving course may qualify for a discount. The company also offers a unique discount if your car was manufactured after 1994.
Best Car Insurance With a Driving Violation in Corpus Christi
MoneyGeek used a variety of insurance coverages and ages to determine the top insurers in Corpus Christi for drivers with an at-fault accident on their record. The top-rated firms in the city for drivers with infractions, according to our rankings, are:
- State Farm: 94 out of 100
- GEICO: 90 out of 100
Because an accident immediately increases your car insurance costs, looking for businesses that provide cheap car insurance for people with a bad driving record might save you money.
MoneyGeek’s Pick: State Farm
pros
An affordable full coverage policy for a 40-year-old driver with an accident on their record costs $1,055 per year
MoneyGeek customer satisfaction rating of 4 out of 5
MoneyGeek claims rating of 4 out of 5
Offers seven out of nine common discounts
cons
Doesn’t offer accident forgiveness discount
COMPANY HIGHLIGHTS
Companies that provide reasonably priced plans with certain coverage types might help drivers with prior accidents or infractions. One disadvantage of State Farm is that it does not provide new car replacement or superior car replacement coverage, two options that may be appropriate for the accident-prone.
State Farm, on the other hand, helps drivers save money by offering seven out of nine typical discounts: bundling, multiple-car, good student, safe driving, anti-theft system, defensive driving and airbags.
Best Car Insurance With a Military Background in Corpus Christi
When it comes to car insurance for military personnel in Corpus Christi, USAA typically delivers the best pricing and customer satisfaction balance.
MoneyGeek gave USAA a high score of 97 out of 100. This number is based on varying degrees of coverage and driver histories, such as young drivers, elderly drivers and those with traffic violations.
Because of its restricted availability — it only serves military personnel and their families — USAA is frequently left off MoneyGeek's general rankings.
MoneyGeek’s Pick: USAA
pros
An affordable full coverage policy costs $821 per year for a 40-year-old driver
Offers five of the most common discounts, including multiple-car, safe driving and defensive driving
MoneyGeek claims rating of 5 out of 5
MoneyGeek user satisfaction rating of 5 out of 5
cons
Only three of the seven frequently-offered coverages are available, including gap insurance and better automobile replacement
Only available to service personnel, veterans and their families
COMPANY HIGHLIGHTS
USAA frequently ranks as one of the country's top insurance carriers, with outstanding cost and service scores. Roadside assistance, rental car and/or trip compensation and accident forgiveness are some of its coverage options; the company does not offer rare or unusual add-ons.
USAA offers five of the nine most common discounts, including bundling, multiple-car, good student, safe driving and defensive driving. It also offers a new car discount, which applies to insured automobiles less than three years old.
Methodology
MoneyGeek gathered rates and information from insurance firms in Corpus Christi, Texas, to select the city's best insurers. We used data from AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC) for our study.
To calculate our MoneyGeek composite score, we scale each category to five points and the total score to 100 points. We weighted each category as follows:
- Affordability (70%): MoneyGeek obtained quotes from Corpus Christi insurers and ranked providers based on their policy prices. A supplier received a perfect five out of five if it had the lowest rate in the city.
- Customer and claims satisfaction (20%): MoneyGeek used J.D. Power survey results to determine consumer satisfaction with each insurance provider's service and claims. We weighted each category 10%.
- Financial stability (10%): MoneyGeek used AM Best ratings, which measure an insurance company's capacity to meet financial obligations.
MoneyGeek studied several driver profiles, taking into account age, driving record and coverage levels to determine each insurance company's overall cost score. We sorted the results by driver profile and listed the insurance firms that best matched their needs. For example, we utilized a profile of an 18-year-old male with a clean driving record to determine the best insurance for young drivers.
Quotes for full coverage policies include the following limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
MoneyGeek's car insurance methodology delves deeper into how and where we get data for our comparisons and scores.
About Mark Fitzpatrick
