Cheapest Car Insurance Quotes in Corpus Christi, Texas

Perched on the Gulf of Mexico, Corpus Christi beaches are a favorite destination for kiteboarders, windsurfers, and sailors. And with minimum-coverage car insurance that costs an average of $209 per month — $61 less than the Texas monthly average of $270 — the city is a good place for car insurance shoppers.

If you’re a driver in Corpus Christi, you can find cheap coverage by shopping around. Keep reading to learn about auto insurance rates in Corpus Christi.

How much does car insurance cost in Corpus Christi?

Since car insurance costs in Corpus Christi vary widely, it’s a good idea to compare quotes to get the best deal for your unique needs. To identify the cheapest quotes, Insurify data scientists analyzed the latest insurance rates in Corpus Christi.

Auto insurance rates in the city range from $110 to $589 per month and are based on a number of factors, such as driver experience and coverage type. Here’s a look at a few of the cheapest options in Corpus Christi.

• Cheapest liability-only insurance: State Auto, $110

• Cheapest full-coverage insurance: Kemper Preferred, $142

• Cheapest insurance for new/young drivers: Mile Auto, $198

Cheapest car insurance in Corpus Christi: Mile Auto

State Auto is the cheapest car insurance company in Corpus Christi, with an average rate of $110 per month. Rates for auto coverage in the city depend on a number of factors, including location, age, and credit.

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists and insurance experts weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

How much car insurance do you need in Corpus Christi?

The minimum liability insurance requirements for private passenger vehicles in Corpus Christi include:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

• $25,000 per accident for property damage

You must carry proof of insurance in your car at all times and show it when it’s requested by law enforcement, when you’re renewing your vehicle registration, and when your car is involved in an accident.

Texas DMV information

The Texas Department of Motor Vehicles (TxDMV) offers a number of services, many of which you can complete online. You can get your driver’s license, renew your current one, register a vehicle, change your address, get a commercial driver’s license (CDL), and more.

Tips for getting cheap car insurance in Corpus Christi

To score a great deal on auto insurance in Corpus Christi, look for discounts like the defensive driving discount, good student discount, and low mileage discount.

You can also save if you bundle your car insurance with your homeowners insurance or renters insurance. Don’t forget to shop around and request quotes from multiple car insurance companies so you can find the cheapest option.

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Corpus Christi

Young drivers are at a higher risk of getting into an accident. In fact, teens ages 16 to 19 have a higher rate of car crashes than any other age group, according to the Centers for Disease Control and Prevention. As a result, they tend to pay more for car insurance than older drivers with decades of experience.

The following table shows average monthly insurance rates for different age groups in Corpus Christi.

Cheapest car insurance for young drivers in Corpus Christi

Mile Auto offers the cheapest auto policies for young drivers in Corpus Christi. To lower your rates as a young driver, stay on your parents’ car insurance instead of investing in a stand-alone policy.

Worth Reading: Compare Cheap Gap Insurance Companies in Texas

Cheapest car insurance for middle-aged drivers in Corpus Christi

Middle-aged drivers in Corpus Christi can find the cheapest insurance at Mile Auto. Drivers tend to see their insurance rates fall as they age beyond 25. To lower your rates even further as a middle-aged driver, take advantage of as many discounts as you can.

Cheapest car insurance for senior drivers in Corpus Christi

For the cheapest auto policies in Corpus Christi, senior drivers should turn to Progressive. To lower your car insurance rates as a senior driver, take a defensive driving course and bundle your insurance policies.

How credit scores affect cheap car insurance in Corpus Christi

Since Texas allows insurance companies to consider credit when setting car insurance rates, your credit score can play a role in your rates in Corpus Christi.

If you have good credit (670-plus), auto insurance companies predict you’ll be less likely to file a claim than someone with fair credit (580–669) or poor credit (300–579). As a result, they’ll likely reward you with lower rates — especially if you’ve maintained a clean driving record.

Here’s a look at the average cost of full-coverage policies by credit tier.

The effect of driving habits on car insurance in Corpus Christi

Your driving habits can significantly affect your auto insurance premiums. If you’re a responsible driver with a clean record, for example, you’ll enjoy lower rates than someone with a history of serious traffic violations, like at-fault accidents, speeding tickets, and DUIs.

Here’s a look at the cheapest average monthly car insurance rates in Corpus Christi based on driver habits:

• Cheapest liability-only car insurance in Corpus Christi: State Auto, $110

• Cheapest full-coverage car insurance in Corpus Christi: Kemper Preferred, $142

• Cheapest car insurance with an accident in Corpus Christi: Mile Auto, $154

• Cheapest car insurance with a DUI in Corpus Christi: Apparent, $208

• Cheapest car insurance with a speeding ticket in Corpus Christi: Clearcover, $204

  Car Insurance Company Clean Record Accident Difference DUI Difference Speeding Ticket Difference

  Car Insurance Company	Clean Record	With Accident	Difference	With DUI	Difference	With Speeding Ticket	Difference
  Apparent	$164	$329	+$165	$208	+$44	$313	+$149
  Bristol West	$253	$296	+$43	$251	+$2	$443	+190
  Liberty Mutual	$257	$360	+$103	$299	+$42	$402	+$145
  Direct Auto	$207	$323	+$116	$310	+$103	$388	+$181
  Kemper Specialty	$312	$536	+$224	$320	+$8	$506	+$194
  Mercury	$184	$326	+$142	$320	+$136	$380	+$196
  Infinity	$416	$500	+84	$331	-$85	$646	+$230
  Dairyland	$288	$434	+$146	$359	+$71	$424	+$136
  Alinsco	$320	$436	+$116	$428	+$108	$384	+$64
  Hallmark	$567	$659	+$92	$515	-$52	$800	+$233
  Farmers GroupSelect	$152	$411	+$259	$649	+$497	$225	+$73

  View more

  Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  

Car insurance in other Texas cities

Throughout Texas, car insurance premiums are generally higher than the national average. Check out insurance information in these other Texas cities:

• Cheap Auto Insurance Quotes in Dallas, TX

• Cheap Auto Insurance Quotes in Houston, TX

• Cheap Auto Insurance Quotes in Austin, TX

• Cheap Auto Insurance Quotes in Denton, TX

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