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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
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Car travel is the main mode of transportation for nearly 325,000 Corpus Christi residents. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Corpus Christi. Search and save on the best car insurance policies in Corpus Christi today.
The average cost of Texas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Corpus Christi, TX to find you the cheapest quotes in the area.
Here are the cheapest carriers in Corpus Christi for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 Progressive | $54/mo |
 Allstate | $113/mo |
 State Farm | $170/mo |
 Nationwide | $200/mo |
 Direct Auto | $202/mo |
| Best Companies | Quotes | |
|---|---|---|
 Clearcover | $123/mo | |
 American Family | $259/mo | |
Nationwide | $293/mo | |
 Safeco | $191/mo | |
 Liberty Mutual | $254/mo |
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All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability insurance requirements for private passenger vehicles in Texas are as follows:
$30,000/$60,000 bodily injury liability per person/accident
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.
The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
People in Corpus Christi have few surprises to contend with when it comes to car insurance rates, as premiums follow a logical progression as one ages. Young drivers under 20 pay the highest rates of $545 due to their inexperience, with rates dropping to $308 once motorists reach age 20. Those in their 60s get to enjoy the lowest prices of all at $180; however, Corpus Christi seniors will find their rates jumping back up above $200 in their 70s.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $546 |
| 20s | $309 |
| 30s | $228 |
| 40s | $244 |
| 50s | $183 |
| 60s | $181 |
| 70s | $213 |
| 80s | $247 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $229 |
| Speeding Ticket | $346 |
| At-Fault Accident | $304 |
| Failure to Stop for Red Light / Stop Sign | $554 |
While some cities aren’t too harsh when it comes to raising insurance rates, drivers in Corpus Christi should take note of what happens when their driving records become blemished. While those with no moving violations pay around $228, this rate quickly increases to $303 after an at-fault accident and $345 after speeding. Should you fail to stop at an intersection, be prepared for a huge increase to an average of $553 a month.
Many factors contribute to your car insurance rates, but in Corpus Christi, your credit score isn’t really one of them. Drivers with excellent credit save around $50 at most compared to others, with an average rate of $227. Individuals with good credit are charged $271, while motorists in the two lower tiers, average and poor, end up paying roughly $254 and $245, respectively, for their coverage.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $228 |
| Good | $272 |
| Average | $255 |
| Poor | $246 |
At the Corpus Christi DMV, located at 602 North Staples Street, drivers can transfer titles, renew registrations, and take driver's tests. The office operates 8:30 AM to 5 PM with some special early morning, evening, and weekend hours.
The Corpus Christi Regional Transportation Authority operates public transit services througout Nueces County, Texas. There are news of local routes, plus supecial peak hour options throughout city and surrounding suburubs. And of course, Corpus Christi offers ridesharing services like Uber and Lyft, plus traditional taxis. Even with these services, most Corpus Christi residents drive cars in and around the city. In fact, over 92 percent of households own vehicles, leading to frequent traffic jams. Make sure you're protected before hitting the road.
As American drivers know too well, enough precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy.
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With an estimated 14.1 percent of vehicles driving uninsured throughout Texas, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Corpus Christi stacks up for the state of Texas:
