State Farm offers the lowest car insurance rates in Corpus Christi, with annual premiums of $534 for minimum coverage and $1,221 for full coverage. Mercury, Germania Insurance and Geico also provide affordable coverage options in the city.
Car Insurance in Corpus Christi
Updated: August 15, 2025
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Key Takeaways
State Farm, Germania Insurance and GEICO are Corpus Christi's cheapest car insurance companies, with rates up to 42% lower than the city average.
In Corpus Christi, monthly car insurance costs average $164 for full coverage and $72 for minimum coverage.
To get the best cheap auto insurance in Corpus Christi, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Corpus Christi?
| State Farm | $45 | $102 | -42% |
| Germania Insurance | $64 | $131 | -22% |
| Geico | $65 | $132 | -22% |
| Mercury | $63 | $142 | -18% |
| AAA | $71 | $146 | -13% |
Cheapest Corpus Christi Car Insurance by Category
State Farm offers the cheapest rates in eight driver categories for Corpus Christi car insurance. GEICO ranks most affordable for drivers with bad credit.
| Young Drivers | State Farm | $100 |
| Adult Drivers | State Farm | $45 |
| Senior Drivers | State Farm | $52 |
| Drivers With an Accident | State Farm | $52 |
| Drivers With a DUI | State Farm | $72 |
| Drivers With a Speeding Ticket | State Farm | $45 |
| Drivers With Bad Credit | Geico | $94 |
| Drivers With Newer Cars | State Farm | $61 |
| Drivers With Old Cars | State Farm | $40 |
Compare the Cheapest Corpus Christi Car Insurance for You
Car insurance rates change based on your driving record, credit score and other personal factors. Check the table below to find the cheapest insurance companies for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| State Farm | $45 | $534 | -42% |
| Geico | $65 | $779 | -16% |
| AAA | $71 | $855 | -8% |
| Farmers | $81 | $969 | 5% |
| Allstate | $84 | $1,011 | 9% |
Best Car Insurance Companies in Corpus Christi
In Corpus Christi, the top car insurance companies are State Farm, Mercury, GEICO and Progressive. These providers stand out for delivering strong pricing, reliable customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| Mercury | 90 | 4 | 5 | 4 |
| Geico | 89 | 3 | 6 | 6 |
| Progressive | 88 | 6 | 2 | 2 |
| AAA | 88 | 5 | 4 | 6 |
State Farm: Best Overall Value
pros
Lowest rates in Corpus Christi
Strong customer service ratings
Wins in multiple driver categories
cons
Limited coverage options
Higher rates for bad credit
COMPANY HIGHLIGHTS
State Farm ranks first in Corpus Christi for its exceptional mix of affordability and service quality. The company offers the city's lowest rates, with minimum coverage starting at $45 monthly and full coverage at $102 monthly. State Farm proves most affordable for multiple groups, including adult drivers, seniors, and young drivers. High customer satisfaction scores mean you'll likely have a smooth experience with claims and support.
Mercury: Best for Coverage Options
pros
Strong coverage selection
Competitive rates
Good claims handling
cons
Average customer service ratings
Limited digital tools
COMPANY HIGHLIGHTS
Mercury stands out for its comprehensive coverage options while maintaining competitive rates. The company offers full coverage at $142 monthly and minimum coverage at $63 monthly. Mercury's strength lies in its broad policy customization options and efficient claims process. While not the cheapest option in Corpus Christi, Mercury delivers solid value through its balance of coverage choices and affordability.
How Much Is Car Insurance in Corpus Christi?
In Corpus Christi, minimum coverage costs about $72 per month or $865 per year, ranking 1,346th out of all Texas cities for affordability. Full coverage averages $164 monthly or $1,969 annually, ranking 1,348th among Texas cities.
| Full Coverage | $164 | $1,969 |
| Minimum Coverage | $72 | $865 |
Corpus Christi Car Insurance Cost by Category
In Corpus Christi, monthly coverage costs vary from $66 to $385 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $168 | $357 |
| Adult Drivers | $72 | $164 |
| Senior Drivers | $94 | $193 |
| Drivers With an Accident | $102 | $228 |
| Drivers With a DUI | $112 | $239 |
| Drivers With a Speeding Ticket | $86 | $196 |
| Drivers With Bad Credit | $165 | $385 |
| Drivers With Newer Cars | $89 | $203 |
| Drivers With Old Cars | $66 | $149 |
Corpus Christi Car Insurance Costs by ZIP Code
In Corpus Christi, car insurance rates by ZIP code range from $65 to $209 per month. ZIP code 78405 is the most expensive, while 78409 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:78405
| 78405 | $105 | $209 |
Compare Personalized Corpus Christi Car Insurance Costs
Filter average car insurance rates in Corpus Christi by combining factors like your age and driving history to find prices that match your exact situation.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
Select
Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $75 | $905 | 11% |
How to Get the Best Cheap Corpus Christi Car Insurance
Car insurance rates in Corpus Christi run higher than many Texas cities, but you can still find affordable coverage with the right approach. Follow these steps to lower your rates while maintaining the protection you need.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your situation in Corpus Christi. Use our car insurance coverage needs calculator to evaluate your needs based on your car's value, assets and risk tolerance.
- 2
Explore alternative insurance options
Different types of car insurance can save you money based on your driving habits. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
- 3
Know the average costs
Research average vehicle insurance costs in Corpus Christi to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying.
- 4
Check available discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, military discounts and good student discounts can also reduce your premium significantly.
- 5
Research company reliability
Investigate insurance companies' customer service records and claims satisfaction ratings in Texas. Check their financial strength ratings and read local customer reviews. A cheaper policy isn't worth it if the company has poor customer service or delays claim payments.
- 6
Get quotes from multiple providers
Contact at least three different insurance providers for quotes. Use a mix of national carriers and local Corpus Christi agents. Each company uses different factors to calculate rates, so comparing multiple quotes helps you find the best deal for your situation.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance policy. Life changes like improving credit scores, moving, or buying a new car can affect your rates. Shopping around each year ensures you maintain the best possible rate for your current situation.
Cheapest Car Insurance in Corpus Christi: Bottom Line
Car insurance rates in Corpus Christi depend on your age, driving record and credit score. State Farm and Germania Insurance offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Corpus Christi Car Insurance: FAQ
Get straightforward answers about finding affordable car insurance in Corpus Christi. We've researched local rates and coverage options to help you choose the right policy for your budget.
What is the cheapest car insurance company in Corpus Christi, Texas?
State Farm offers the lowest rates in Corpus Christi, with average annual premiums of $534 for minimum coverage and $1,221 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Corpus Christi?
State Farm leads Corpus Christi's car insurance providers with a MoneyGeek score of 95 out of 100, scoring five points higher than Mercury. State Farm excels in both affordability and customer service quality.
What is the average cost of car insurance in Corpus Christi?
In Corpus Christi, drivers pay $1,969 for full coverage and $865 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Corpus Christi expensive?
Car insurance in Corpus Christi is pricier than average, ranking 1,346th for minimum coverage affordability and 1,348th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Corpus Christi, TX
To help Corpus Christi drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Corpus Christi Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Corpus Christi
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed August 13, 2025.