Cheapest Car Insurance Companies in Corpus Christi, TX (2023 Rates)

The cheapest auto insurance option for you will depend on a variety of factors. For those with at-fault accidents and speeding tickets, teenagers, military personnel, young adults, sports car owners and full coverage, State Farm is the cheapest option. For people with DUIs and poor credit, Mercury is most affordable. If you're a senior, Texas Farm Bureau is the cheapest.

MoneyGeek also ranked Corpus Christi's top auto insurance providers regardless of cost.

The most affordable minimum coverage policies are provided by the following Corpus Christi auto insurance providers:

• State Farm: $335 per year
• Allstate: $373 per year

Dairyland is the most expensive provider in the city, charging $1,077 per year for minimum coverage insurance. State Farm also offers the cheapest auto insurance in Texas as of October 2022 at $300 a year.

These are the minimum liability requirements for car insurance policies in Texas:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

With a minimum coverage policy, your insurance will only cover damages to the other driver and vehicle in an at-fault accident. For example, if the driver and their passenger are injured, your insurance will cover the first $60,000 in medical expenses, with a limit of $30,000 per person. Any remaining medical expenses are your responsibility.

The following companies in Corpus Christi offer full coverage auto insurance at the lowest rates:

• State Farm: $659 per year
• Texas Farm Bureau: $714 per year

Dairyland is the most expensive insurer in the city, charging an average of $1,864 per year for full coverage. As of October 2022, State Farm is also our top recommendation for cheap full coverage vehicle insurance in Texas, where the typical annual premium is $711 — $52 more than the company's average rate in Corpus Christi.

A full coverage policy includes collision and comprehensive coverage in addition to liability coverage.

• Collision insurance: Covers the cost of damage to your car after a collision with another object or vehicle.
• Comprehensive insurance: Covers damage to your car for non-collision related incidents such as theft.

If you have a new car, full coverage auto insurance may be a wise purchase, but the extra expense might not be necessary if your car is an older model with low value.

The following companies in Corpus Christi provide the least expensive car insurance for drivers with violations:

• Speeding ticket: State Farm ($659 per year)
• At-fault accident: State Farm ($819 per year)
• DUI: Mercury ($1,157 per year)

Chubb charges the highest rates for drivers with DUIs at $2,583 per year, while Dairyland charges the highest average yearly premiums for drivers with accidents ($3,614) and Foremost is most expensive after a speeding ticket ($2,301).

A poor driving record can greatly impact your rates, and even the cheapest auto insurance premiums for those with violations will still be higher than rates for safe driving records.

The more serious the offense, the more expensive your auto insurance usually becomes. For instance, in Corpus Christi, you can expect your premium to increase by about $231 if you get a ticket and by $542 if you have a DUI. If you do your research, it is still possible to find cheap auto insurance for drivers with a bad record.

The cheapest auto insurance for teens on a family policy in Corpus Christi is offered by the following companies:

• State Farm: $1,882 per year for female teens; $2,265 per year for male teens
• Nationwide: $2,287 per year for female teens; $2,619 per year for male teens

Allstate charges the highest rates for teens on a family plan at $7,661 per year for male teens and $6,505 per year for female teens.

Female teens frequently pay less for car insurance than male teens as they are seen as less risky to insure. In Corpus Christi, for example, State Farm charges male teenagers $383 more than female teens, but this price difference typically levels off by the time they reach early adulthood.

Consider adding a teen to a family policy to get the cheapest auto insurance for teens. If teens buy an individual policy, they can expect to pay a lot more per year. Full coverage insurance for a 16-year-old in Corpus Christi costs around $3,267 more per year than a family policy.

The following companies in Corpus Christi provide the cheapest full coverage auto insurance military drivers:

• State Farm: $659 per year
• Texas Farm Bureau: $714 per year

Military personnel and their families should also consider USAA as it caters to drivers with a military background. Its average rate in Corpus Christi for a full coverage policy is $842. State Farm is also the cheapest option for a minimum coverage policy at $335, and Allstate comes in second at $373.

Comparing online quotes from several providers is a great way to find the best rate, but it requires entering a lot of personal information and can take more than 15 minutes per quote.

MoneyGeek's auto insurance calculator can provide a quick estimate of your car insurance costs using only your age, driving history, car model and desired coverage levels.

The following companies in Corpus Christi provide the cheapest full coverage auto insurance for young drivers:

• State Farm: $844 per year
• Texas Farm Bureau: $892 per year

Dairyland is the most expensive option, with an average yearly premium of $2,274. Young adults generally pay more for auto insurance than middle-aged drivers since they have less driving experience. In Corpus Christi, the average cost of car insurance for 25-year-old drivers is $1,474 per year, which is $334 more than the average rate for 40-year-old drivers.

The cheapest auto insurance for seniors in Corpus Christi is offered by the following companies:

• Texas Farm Bureau: $598 per year
• State Farm: $600 per year

The most expensive insurer for seniors is Dairyland, which charges $1,679 annually. In Corpus Christi, drivers over 60 pay an average of $45 less on auto insurance than middle-aged adults, although rates tend to increase after age 65 as driving becomes riskier.

The following companies in Corpus Christi offer cheap auto insurance for drivers with bad credit:

• Mercury: $1,246 per year
• Allstate: $1,314 per year

The most expensive option is State Farm, which charges $3,581 annually for full coverage. Compared to drivers with good credit, Corpus Christi drivers with poor credit typically pay $914 — or 80% — more per year for vehicle insurance.

Car insurance companies generally believe that drivers with bad credit are more likely to file claims, which leads to higher premiums. There are several ways to lower the cost of insurance if you have poor credit, including shopping around, finding discounts, and bundling policies. You can also work to improve your credit score over time, which will help you qualify for lower rates.

The cheapest auto insurance for sports car owners in Corpus Christi is offered by the following companies:

• State Farm: $800 per year
• GEICO: $1,043 per year

Dairyland has the highest rates at $1,910 per year. In Corpus Christi, sports car owners typically pay $1,396 annually for full coverage insurance, which is $257 more than standard automobile owners — an increase of almost 23%.

MoneyGeek used a Ford Mustang to represent sports cars in this analysis, but rates may vary by model. Sports, electric and luxury cars are usually the most expensive to insure.

In Corpus Christi, the average cost of car insurance is $1,140 per year. This is for full coverage insurance with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

One of the many variables influencing rates is location. The cost of auto insurance in Corpus Christi is $61 less than the average cost of auto insurance in Texas, which is $1,201 and is also slightly cheaper than the national average cost of car insurance, which is $1,265 annually. Corpus Christi rates are also cheaper than those in the nearby cities of San Antonio and Laredo.