Farmers is the cheapest car insurance in Corpus Christi for state minimum and full coverage policies. State Farm is the cheapest for ticketed drivers. However, rates can vary by coverage amount and driver profile. USAA is the best alternative for military members and families. MoneyGeek's top pick for car insurance in the city is Farmers, which balances price and service.
The Cheapest and Best Car Insurance in Corpus Christi



The Cheapest Car Insurance Companies in Corpus Christi
The following insurers offer the most affordable full coverage insurance in Corpus Christi on average:
- Farmers: $800 annually
- State Farm: $876 annually
Former and current Corpus Christi military families will find USAA car insurance an affordable option with an average annual premium of $821.
Farmers is roughly $2,340 less than the annual premium charged by The General, with an average annual premium of $3,140.
A full-coverage policy includes comprehensive and collision coverage, though the cost varies based on the amount of liability insurance you choose.
Cheapest Car Insurance in Corpus Christi
- Company100/300/100per year
- 1.$800
- 2.$821
- 3.$876
- 4.$895
- 5.$1,089
In accordance with our methodology, MoneyGeek determined the typical insurance prices in Corpus Christi for a 40-year-old male driver who purchases a full coverage policy that includes comprehensive and collision coverage.
While full coverage car insurance is more expensive than the state minimum coverage, it includes:
- Collision Insurance: This covers the cost of repairs to your car if it’s involved in an accident with another vehicle or a stationary object.
- Comprehensive Insurance: This protects you against damage to your car that is not caused by a collision, such as hail, theft or vandalism.
Keep in mind that if you own an older vehicle, full coverage car insurance may cost more than your vehicle's monetary value. To obtain the cheapest possible rates, drivers of older vehicles may choose liability-only insurance or coverage that meets state minimum requirements.
Compare Car Insurance Rates in Corpus Christi
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Corpus Christi for Minimum Coverage
To obtain the most affordable car insurance policies in Corpus Christi, choose a policy that complies with the state's minimum coverage requirements.
Here are the cheapest options for this coverage on average:
- Farmers: $428 annually
- State Farm: $493 annually
USAA car insurance in Corpus Christi is roughly $394 per year, making it an affordable option for military families.
When it comes to insurance with the basic minimum of coverage, Farmers charges around $1,157 less than the most expensive provider, The General.
You'll save money by opting for minimum coverage policies, but you'll be at danger of not being fully covered if you don't have collision and comprehensive insurance. See how rates change when liability limitations increase using the table below.
Cheapest Minimum Liability Car Insurance in Corpus Christi
- CompanyState Minimumper year
- 1.$394
- 2.$428
- 3.$493
- 4.$527
- 5.$541
Texas law requires drivers to carry 50/100/50 liability insurance. This is the cheapest vehicle insurance in Corpus Christi, which translates into a lower monthly premium. If you are involved in an accident, though, you will be obliged to pay additional out-of-pocket expenses if you exceed these coverage levels.
For instance, if you cause an accident and the other party's medical bills total $60,000, your basic coverage insurance will cover just $50,000 of the other party's medical expenses, leaving you responsible for the remaining $10,000 in medical expenses.
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.
Cheapest Car Insurance in Corpus Christi if You Have Driving Violations
DUIs and speeding tickets can significantly raise the cost of car insurance in Corpus Christi.
The following insurers provide the best value on average for your specific violation:
- Cheapest after a ticket: State Farm, $876 annually
- Cheapest after an at-fault accident: State Farm, $1,055 annually
- Cheapest after a DUI: Farmers, $1,181 annually
If you have a prior record of traffic offenses, the best course of action is to progressively improve your record. After receiving a traffic ticket or getting involved in a car accident, compare insurance quotes to see which insurers offer the most affordable rates.
Cheapest Car Insurance in Corpus Christi With a Violation
- CompanySpeeding Ticketper year
- 1.$876
- 2.$921
- 3.$1,048
- 4.$1,052
- 5.$1,089
Average Cost of Car Insurance in Corpus Christi
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.
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.
Compare Car Insurance Rates in Corpus Christi
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Corpus Christi
MoneyGeek evaluated the top firms in Corpus Christi to assist drivers looking to strike a balance between pricing and service quality. According to MoneyGeek's study, the best car insurance providers in Corpus Christi for the majority of drivers include the following:
- GEICO: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA obtained the top rating from MoneyGeek's grading system in Corpus Christi. However, due to the fact that USAA is exclusively available to military personnel, veterans and their families, it is not recognized as the best overall.
MoneyGeek evaluated multiple criteria to arrive at these final scores out of 100, including J.D. Power user satisfaction, financial stability and affordability.










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
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.
About Mark Fitzpatrick

sources
- Hill Law Firm. "Is Texas a No-Fault State?." Accessed June 16, 2020.