5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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The average cost of car insurance in Corpus Christi, Texas, is $230 per month for full coverage and $122 per month for liability-only coverage. Perhaps due to the city’s coastal location and risk of hurricanes, car insurance rates in Corpus Christi are slightly more expensive than the statewide averages of $237 for full coverage and $119 for minimum coverage.
If you’re looking for the cheapest car insurance in Corpus Christi, it’s a good idea to shop around and compare quotes from multiple insurers. Some companies have lower premiums than others. Here’s what you need to know about finding auto coverage in Corpus Christi.
Quick Facts
Insurers in Texas can consider your credit history when determining premiums. Drivers with low credit scores tend to pay more than people with high scores.[1]
Texas is an at-fault state, which means drivers must cover the damages and injuries resulting from an accident they cause.
On overall average, Corpus Christi drivers pay $176 per month for car insurance.
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Best car insurance companies in Corpus Christi
Drivers in Corpus Christi have varying car insurance needs. The best car insurance company for you depends on your unique coverage needs and driver profile. Here are a few of the best car insurance companies in Corpus Christi in different categories.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$63/mo
State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.
Pros
Cheapest average rates by coverage level in the city
Ranked above average for customer satisfaction in J.D. Power 2023 Auto Insurance Study[2]
Cons
No gap insurance offered
Higher rates than some competitors for drivers with poor credit
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$68/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$114/mo
USAA only sells insurance products to active-duty, reserve, and veteran military personnel, as well as select members of military families. The company has low quotes for Corpus Christi, and it offers lots of discounts, including savings for storing your vehicle during deployment. USAA also stands out for its impressive third-party ratings, with the highest possible ratings from organizations like J.D. Power and AM Best.
Pros
Variety of discounts
Excellent third-party ratings
Cons
Only available to military families
Doesn’t have many coverage options
They are the best in customer service.
Brenda - September 13, 2023
Verified
Overall poor service, took a safe driving discount away because I wasn’t driving enough.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$42/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$69/mo
GEICO is the best car insurance company in Corpus Christi for discounts. The company offers discounts for military members, federal employees, good students, safe drivers, and drivers who insure a new vehicle, or bundle coverage. GEICO has excellent policy-management tools, with a mobile app that allows you to file claims, pay your bills, access ID cards, and more. You can also get customer service via live chat.
Pros
Discounts available for additional savings
Good policy-management tools
Cons
Limited add-ons
Below-average ranking in Texas in the J.D. Power 2023 Auto Insurance Study
Unwilling to work with clients. Especially senior citizens on a fixed income.
Janina - September 10, 2023
Verified
Awesome customer service, good prices, easy to deal with.
Kathleen - September 9, 2023
Verified
Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.
Cheapest liability-only car insurance in Corpus Christi
“Texas vehicle owners are required to maintain minimum liability coverage,” says Nick Schrader, a licensed insurance agent at Texas General Insurance.
Liability car insurance covers your financial responsibilities if you cause an accident that results in bodily injury or property damage. It’ll cover only the other driver’s medical expenses if they get hurt, as well as their vehicle repairs if the car is damaged. It doesn’t cover your vehicle.
In the table below, you can see which car insurance companies in Corpus Christi have the cheapest quotes for liability-only insurance.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Corpus Christi
Full-coverage car insurance offers more protection than liability-only coverage. With a full-coverage policy, you get collision and comprehensive insurance, which pay for your vehicle’s repairs after an accident or another covered loss. It also includes liability insurance and may include medical payments insurance.
Your lender might require you to carry full-coverage insurance if you lease or finance your vehicle. You should also consider this coverage if you drive a new or expensive vehicle that would cost a lot to repair or replace.
The following car insurance companies have the cheapest full-coverage quotes in Corpus Christi.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Texas
Car insurance is a legal requirement in Texas, and all drivers must carry a minimum amount of coverage. If you own a vehicle, you must carry the required amounts of liability insurance to cover your financial responsibilities in the event of an at-fault accident.[3]
Texas is an at-fault state. In the event of an accident, this means the at-fault driver is responsible for compensating the other driver for their losses, including medical bills and vehicle damage. If you don’t have enough insurance to cover the other person’s losses, they may sue you for the difference.
Texans must carry the following amounts of auto coverage to drive legally:
When you purchase car insurance in Texas, all policies automatically include personal injury protection (PIP), and insurers need to offer you uninsured/underinsured motorist coverage (UM/UIM) too. You can opt out of both coverages in writing. You may decide to purchase these and other add-ons for greater vehicle protection.
Common insurance add-ons include the following:
Personal injury protection
This covers the medical bills of you and your passengers following an accident, as well as lost wages and other non-medical costs.
Uninsured/underinsured motorist
If a driver without sufficient coverage hits your vehicle, this insurance covers your medical expenses and vehicle repairs. It also kicks in after a hit-and-run accident.
Collision
This pays for vehicle repair or replacement after an accident, regardless of fault. Collision also covers rollover accidents and damage caused by hitting a pothole.
Comprehensive
This covers damage from non-collision incidents, including flood, fire, theft, vandalism, and more.
Medical payments
Similar to PIP coverage, this covers the medical bills of you and your passengers after an accident. It also applies if you’re injured in someone’s car or as a pedestrian.[4]
Cheapest car insurance for drivers with an incident
Drivers with an incident on their record, like a speeding ticket or an at-fault accident, usually pay more for car insurance than drivers with clean records. Having certain violations on your record can make you riskier to insure. More serious violations, like driving under the influence, typically have the biggest effect on your car insurance premium.[5]
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Cheapest car insurance for drivers with a speeding ticket: State Farm
If you get pulled over for speeding, it can affect your car insurance premium. Compared to other violations, speeding tickets usually have a smaller effect. However, the price increase after a speeding ticket will depend on your insurance company and the severity of your offense. Generally, a speeding ticket will affect your premium for three to five years.
The average monthly cost of full coverage for Corpus Christi drivers with speeding tickets is $313. Liability averages $166 per month. In the table below, you can see which car insurance companies in Corpus Christi are the cheapest for drivers with a speeding ticket on their record.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Causing an accident makes you riskier to insure, which can affect the cost of your car insurance policy even more than a speeding ticket. Unless you pay for an endorsement like accident forgiveness, you can typically expect your insurance premium to go up for three to five years after a collision. Even if you weren’t at fault, some Texas insurance companies might raise your premium anyway.
If you have an accident on your record, it’s a good idea to shop around every year and compare quotes from several insurers. Some insurance companies have cheaper prices than others for drivers with an at-fault accident.
On average, Corpus Christi drivers with at-fault accidents face rates of $178 per month for liability coverage and $336 for liability-only policies. These Corpus Christi insurance companies have the lowest average quotes for drivers with an at-fault accident.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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.
Cheapest car insurance for drivers with a DWI: State Farm
A DWI conviction is one of the most serious traffic violations. If you get caught driving while intoxicated, your car insurance premium will almost certainly increase significantly. And Texas has serious consequences for drivers who get a DWI, including a fine of up to $2,000 and up to 180 days in jail for a first offense.[6] And in Texas, a DWI conviction stays on your record permanently, unless you're able to have your record sealed or expunged.
In Corpus Christi, drivers with DWI convictions have average monthly car insurance premiums of $382 for full coverage and $203 for liability only. While car insurance for drivers with a DWI is more expensive, quotes vary by insurance company. In the table below, you can see which car insurance companies in Corpus Christi are the cheapest for drivers with a DWI.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Your age is one of the biggest factors that can affect your car insurance premium in Texas. Rates tend to decrease around age 35 and start to increase again around age 75. That means seniors often pay higher car insurance rates than younger drivers, due to increased physical vulnerabilities insurers may view as indicators of risk.
Senior drivers in Corpus Christi pay an overall average of $123 per month for car insurance. In the table below, you can see which car insurance companies in Corpus Christi have the cheapest average quotes for senior drivers.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Newly licensed teen drivers generally pay the most for car insurance because they have the least experience on the road. Data shows that teen drivers have higher accident rates than older drivers, and they tend to make more critical driving errors that can lead to serious crashes.[7]
Although most teen drivers pay high premiums, you can still find ways to get more affordable coverage. For example, teens who stay insured on a parent’s policy usually pay less for car insurance. Additionally, many car insurance companies offer discounts that teens can qualify for, including for having good grades, attending college a certain number of miles away from home, completing a driver safety course, and insuring a new car. Teens can't get their own car insurance policies without written consent from a parent or guardian.
Car insurance for teen drivers costs, on average, $209 for liability-only policies and $394 for full coverage. Below, you can find the cheapest car insurance companies in Corpus Christi for teens.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Corpus Christi
You can save money on your auto insurance policy in Corpus Christi in many different ways. Here are some tips for getting the cheapest car insurance for you:
Look for discounts. Many car insurance companies offer a wide variety of discounts, which can lower your premium. For example, you might be able to save money by taking a defensive driving course, insuring multiple cars, or insuring a new car.
Bundle your policies. You can often get a cheaper car insurance premium when you bundle auto insurance with homeowners insurance or renters insurance.
Choose a high deductible. Increasing your collision or comprehensive deductible will typically lower your monthly car insurance premium. However, keep in mind that setting a high deductible means you’ll get a reduced settlement if you have a claim.
Pay your premium in full. Most car insurance companies in Corpus Christi offer a small discount if you pay your annual premium up front and in full.
Maintain a clean record. Drivers with no accidents, tickets, or other moving violations usually pay the lowest prices. Maintaining a clean record will help you get the cheapest premium for your situation.
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Corpus Christi car insurance quotes by credit tier
Texas law allows car insurance companies to consider your credit history when calculating your car insurance premium. People with good credit typically pay less than people with bad credit.
In the chart below, you can see the average monthly full-coverage car insurance quotes in Corpus Christi based on different credit tiers.
Rates by Credit Tier
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.
Is car insurance more expensive in Corpus Christi?
Car insurance in Corpus Christi is more expensive than the nationwide average. In Corpus Christi, the average monthly rate is $318 for full coverage and $209 for liability coverage. For comparison, the U.S. national average rate is $253 per month for full coverage and $170 per month for liability coverage. On average, Texans pay $258 per month for auto coverage.
Perhaps because of the city’s coastal location and hurricane risk, Corpus Christi drivers pay a bit more for coverage than other Texas cities on average.
Location-specific factors, like weather risks, accident rates, and the number of uninsured drivers on the road, can influence car insurance rates in different cities and ZIP codes. Corpus Christi residents pay a bit more for coverage than drivers in other Texas cities — perhaps because the city’s location on the coast increases the risk of damages from tropical storms.
More cities in Texas
Your premiums will vary depending on where you live in Texas. For example, the average cost of full-coverage car insurance in Houston is 20% higher than in Corpus Christi. And the average quote in Austin is 11% lower than in Corpus Christi. On average, Corpus Christi drivers pay $318 per month for full-coverage insurance.
Below, you can compare how average monthly full-coverage car insurance quotes in some other Texas cities compare to insurance costs in Corpus Christi.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Corpus Christi car insurance FAQs
You can find the right amount of coverage from the best insurer for your needs by shopping around and comparing your insurance options. The following information should help you navigate the process of buying auto coverage in Corpus Christi.
How much is car insurance in Corpus Christi?
On average, car insurance in Corpus Christi costs $176 per month. Drivers in the city pay $122 per month for liability coverage and $230 for full-coverage insurance. Your specific cost will depend on your driver profile, credit history, age, vehicle type, and more. You should shop around to find the cheapest quotes for your coverage needs.
What company has the cheapest car insurance rates in Corpus Christi?
State Farm offers the lowest car insurance in Corpus Christi at $39 per month for liability-only coverage and $63 for full coverage.
Mile Auto also offers low rates at $48 for liability insurance.
What are the best car insurance companies in Corpus Christi?
The best car insurance company in Corpus Christi is State Farm, which has an impressive Insurify Quality (IQ) Score of 4.4, an A++ (Superior) financial strength rating from AM Best, and high J.D. Power customer satisfaction rankings. Other top insurers include GEICO and USAA.
How much coverage do you need in Texas?
Drivers in Texas must carry a minimum of $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage. Texas insurers must also always offer drivers PIP and UM/UIM coverage, but drivers can opt out in writing.
Is Texas a no-fault state?
No. Texas is an at-fault state. This means the driver that causes the accident must cover the damages and injuries they cause to other drivers and their passengers.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
State Farm
USAA
GEICO
