If you are looking for the best car insurance in Corpus Christi, there are several factors that you should consider: the type of car you drive, your financial history, driving record, and location, among others. Insurance companies look at all those factors and more when determining your car insurance rates. Get personalized quotes from car insurance companies in Corpus Christi to know how much car insurance will cost you.
Compare the Cheapest Car Insurance Quotes in Corpus Christi, TX
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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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Cheap Car Insurance Companies in Corpus Christi
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.
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- CompanyAmountper year
- 1. Farmers$800
- 2. USAA$821
- 3. State Farm$876
- 4. GEICO$895
- 5. Allstate$1,089
- 6. Esurance$1,092
- 7. AAA$1,107
- 8. Mercury$1,295
- 9. Nationwide$1,435
- 10. MetLife$1,486
- 11. The General$3,140
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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Corpus Christi by Coverage Amount
How much car insurance coverage you purchase in Corpus Christi also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
Visit these guides to learn more:
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 by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$394$435
- 2. Farmers$428$456
- 3. State Farm$493$556
- 4. GEICO$527$575
- 5. Allstate$541$577
- 6. Esurance$645$724
- 7. AAA$612$684
- 8. Mercury$674$759
- 9. Nationwide$773$831
- 10. MetLife$716$955
- 11. The General$1,585$1,691
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$745$821
- 2. Farmers$750$800
- 3. State Farm$786$876
- 4. GEICO$792$895
- 5. Allstate$990$1,089
- 6. Esurance$933$1,092
- 7. AAA$1,001$1,107
- 8. Mercury$1,203$1,295
- 9. Nationwide$1,343$1,435
- 10. MetLife$1,328$1,486
- 11. The General$2,597$3,140
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Corpus Christi if You Have Tickets
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. Farmers$1,052$1,137$1,181
- 2. USAA$921$1,281$1,209
- 3. State Farm$876$1,055$1,469
- 4. GEICO$1,048$1,255$1,562
- 5. Allstate$1,089$1,651$1,730
- 6. Esurance$1,092$2,415$1,092
- 7. AAA$1,442$1,592$1,677
- 8. Mercury$1,647$2,139$1,676
- 9. Nationwide$1,650$2,060$2,479
- 10. MetLife$1,486$3,157$3,518
- 11. The General$3,140$4,024$3,531
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.
Shopping around for car insurance in Corpus Christi could save you $522, which is enough to buy:
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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

About the Author
The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.
sources
- Hill Law Firm. "Is Texas a No-Fault State?." Accessed June 16, 2020.