The Best Car Insurance in Corpus Christi, TX, for 2022

MoneyGeek considered customer satisfaction, price and financial stability when selecting the best car insurance companies in Corpus Christi. State Farm is the top car insurer in the city, with a MoneyGeek score of 95 out of 100. Your best choice, however, depends on your age and the amount of coverage you choose.

Compare Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 8/12/2022
Written By     |  

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.

iconribbonBestCar InsuranceCorpus Christi2022

The Best Car Insurance in Corpus Christi

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

4.9/5

Affordability

4/5

Claims

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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 Review
2
Farmers
Score:93

4.9/5

Affordability

4/5

Claims

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

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 Review
tip icon
RESOURCES 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

Farmers

pros

This is an icon

A minimum coverage policy costs $428 per year

This is an icon

Pay-in-full, multiple-cars and automatic payment discounts

This is an icon

MoneyGeek claims rating of 4 out of 5

This is an icon

MoneyGeek satisfaction rating of 4 out of 5

cons

This is an icon

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.

Read MoneyGeek's Farmers Auto Insurance Review

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

GEICO

pros

This is an icon

An affordable full coverage policy for a safe driver costs $2,174 per year

This is an icon

MoneyGeek claims rating of 4 out of 5

This is an icon

MoneyGeek customer satisfaction rating of 4 out of 5

This is an icon

Discounts including driver's education and good student

cons

This is an icon

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.

Read MoneyGeek's GEICO Auto Insurance Review

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

State Farm

pros

This is an icon

An affordable full coverage policy for a safe driver costs $848 per year

This is an icon

Offers a defensive driving discount

This is an icon

MoneyGeek customer satisfaction rating of 4 out of 5

This is an icon

MoneyGeek claims rating of 4 out of 5

cons

This is an icon

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.

Read MoneyGeek's State Farm Auto Insurance Review

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

State Farm

pros

This is an icon

An affordable full coverage policy for a 40-year-old driver with an accident on their record costs $1,055 per year

This is an icon

MoneyGeek customer satisfaction rating of 4 out of 5

This is an icon

MoneyGeek claims rating of 4 out of 5

This is an icon

Offers seven out of nine common discounts

cons

This is an icon

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.

Read MoneyGeek's State Farm Auto Insurance Review

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

USAA

pros

This is an icon

An affordable full coverage policy costs $821 per year for a 40-year-old driver

This is an icon

Offers five of the most common discounts, including multiple-car, safe driving and defensive driving

This is an icon

MoneyGeek claims rating of 5 out of 5

This is an icon

MoneyGeek user satisfaction rating of 5 out of 5

cons

This is an icon

Only three of the seven frequently-offered coverages are available, including gap insurance and better automobile replacement

This is an icon

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.

Read MoneyGeek's USAA Auto Insurance Review

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 the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.