Car insurance in Corpus Christi costs an average of $1,321 per year, slightly more than the state average. At an average of $800 annually, Farmers is the most affordable insurer, but MoneyGeek also analyzed the cheapest options for different driver profiles and coverage levels. For those looking for affordability and quality, MoneyGeek ranked the best providers in Corpus Christi.
bestauto insuranceCorpus Christi2021The Cheapest and Best Car Insurance in Corpus Christi
Cheapest Overall - Farmers
Best Overall - GEICO
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - Farmers
The Cheapest Car Insurance Companies in Corpus Christi
The insurers with the cheapest average rates for a full coverage policy in Corpus Christi are:
- Farmers: $800 annually
- USAA: $821 annually (only available to current and former military)
If you’re looking for affordable car insurance in Corpus Christi, your best bet would be Farmers Insurance. It offers an average annual premium of $800 — $522 cheaper than the city average and $2,340 cheaper than what The General offers for their annual premium.
Overall, Farmers is 292.7% more affordable than the average premium of The General. Of course, their standard packages may differ in terms of benefits, but if you need a solid premium package that meets the city's minimum requirements, then getting car insurance from Farmers is a good place to start.
For this study, MoneyGeek collected average insurance rates in Corpus Christi for a sample 40-year-old male driver profile with a full coverage policy. This includes liability as well as comprehensive and collision insurance.
Scroll for more
- CompanyAmountper year
- 1.$800
- 2.$821
- 3.$876
- 4.$895
- 5.$1,089
Average Cost of Car Insurance in Corpus Christi
Corpus Christi$1,321
Texas$1,316
U.S.$1,424
The average car insurance rate in Corpus Christi is $1321. Although it’s slightly higher than the state's average annual premium, which is at $1,316, there’s about a 7.2% difference between the city annual premium and the national annual premium, $1,424.
The Best Car Insurance Companies in Corpus Christi
MoneyGeek ranked the best companies in Corpus Christi to help drivers looking to balance affordability with quality service. Based on MoneyGeek’s research, the best car insurance companies in the city for most drivers are:
- GEICO: MoneyGeek score 85 out of 100
- State Farm: MoneyGeek score 85 out of 100
USAA received the highest score in Corpus Christi by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To reach these final scores out of 100, MoneyGeek used several criteria, including J.D. Power user satisfaction, financial stability and affordability.
1
USAA
Score:100
2
GEICO
Score:85
3
State Farm
Score:85
4
Auto Club of Southern California Insurance Group
Score:85
5
Allstate
Score:80
6
Progressive
Score:80
7
Nationwide
Score:80
8
Farmers
Score:78
9
Liberty Mutual
Score:73
Personalized Quotes to Get You the Cheapest Car Insurance in Corpus Christi
The cost of car insurance isn’t the same for everyone in Corpus Christi. Several factors such as your ZIP code, driving history and credit score all have a part in your car insurance quote calculation.
To make sure that you get the most affordable insurance premiums, it’s important that you get and compare personalized quotes from car insurance companies. It’s also recommended that you continuously ask for rebates, savings and discounts as the insurance company may have existing promos you may take advantage of.
Shopping around for car insurance in Corpus Christi could save you $522, which is enough to buy:
174Cups of Coffee
40Months of Your Favorite Streaming Service
Cheapest Car Insurance in Corpus Christi by Coverage Amount
In Corpus Christi and elsewhere, one of the biggest factors affecting insurance costs is the coverage level you choose to purchase. For example, a state minimum liability policy in Corpus Christi costs about $699 on average, while a full coverage policy with higher liability limits costs an average of $1,321. That is a difference of $622.
Texas Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
The cheapest and most basic standard package in Corpus Christi is USAA at $394. You can upgrade the basic package to 50/100/50 Liability Only ($435), 50/100/50 Full Coverage ($745), or 100/300/100 Full Coverage ($821). The higher your coverage tier is, the more benefits it would have, like collision coverage and comprehensive coverage.
The kind of package you will get really depends on what you need. If you just need a basic car insurance package, then the more affordable ones that meet the state minimum standard should be good enough. But if you think the $427 difference between the state minimum and 100/300/100 packages — as is available with USAA — is worth the coverage, then that is a viable option. To know in detail which package is most affordable for you, it’s necessary to shop around and get personalized quotes from car insurance companies.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$394$435
- 2.$428$456
- 3.$493$556
- 4.$527$575
- 5.$541$577
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$745$821
- 2.$750$800
- 3.$786$876
- 4.$792$895
- 5.$990$1,089
Cheapest Car Insurance in Corpus Christi if You Have Driving Violations
Your driving history affects your car insurance rate. If you have no violations, in Corpus Christi the most affordable car insurance quote would be from Farmers at $800. However, this price will change if you get driving violations. A speeding ticket will increase your basic Farmers insurance cost to $1,052. For an at-fault accident, the basic rate will increase to $1,137. A DUI will increase the standard Farmers rate to $1,181.
In general, having a clean record is recommended. Your violations are risk factors for insurance companies, so it would be wise to avoid these violations altogether.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$1,052$1,137$1,181
- 2.$921$1,281$1,209
- 3.$876$1,055$1,469
- 4.$1,048$1,255$1,562
- 5.$1,089$1,651$1,730
Average Cost of Car Insurance by Postal Code
The place you’re located matters when it comes to computing insurance costs. The riskier your neighborhood is to insure a vehicle in, the costlier your car insurance would be. Location-specific factors like average car theft rates, accident rates and the average number of car accident-related fatalities all affect the personalized rate your insurance company will offer to you.
In Corpus Christi, the ZIP code 78414 has the cheapest average annual premium at $1,287. That’s $80 less expensive than ZIP code 78415. Although the difference isn’t that drastic, it still adds up when you consider other non-location-based factors. It’s wise to also take this into account when estimating your car insurance package, or if you're planning on moving to a different location in the city.
- Zip CodeState Minimumper year
- 78414$1,287
- 78412$1,314
- 78413$1,317
- 78415$1,367
Insurance Providers That Serve Corpus Christi
Factors That Impact Insurance Costs in Corpus Christi
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Corpus Christi. How Corpus Christi ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Corpus Christi are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author
sources
- Hill Law Firm. "Is Texas a No-Fault State?." Accessed June 16, 2020.