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Cheap Auto Insurance Quotes in Corpus Christi, TX (May 2022)
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Finding the right auto insurance company can be a daunting task. Drivers can struggle to determine which coverage they need while looking for a cheap policy that doesn't sacrifice quality. Here’s how to find affordable car insurance coverage in Corpus Christi to protect yourself and your passengers without breaking the bank.
For the most affordable policies in Corpus Christi, the average rate for a car insurance premium can cost anywhere from $130 to $186 per month. Motorists can find the cheapest auto insurance with Clearcover, Mile Auto, Elephant, Apparent, and Progressive—all of which come in below $140 per month.
The best car insurance isn’t always the cheapest. However, some of the best car insurance companies in Corpus Christi offer excellent rates without sacrificing the quality of coverage. If you’re looking for great auto insurance that won’t ruin your monthly budget, start with Clearcover, Travelers, Safeco, State Auto, Liberty Mutual, and Nationwide.
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:
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.
The younger you are, the more you’ll typically pay for auto insurance. Why? Because statistically speaking, young drivers have more accidents than older, more experienced drivers. It’s not uncommon for teen drivers in the state of Texas to pay $465 per month for car insurance premiums. Rates start to drop significantly once you hit age 25.
|Driver's Age||Avg. Monthly Cost|
Corpus Christi car insurance rates differ significantly by driving and accident history. Drivers with a clean driving record tend to pay less for their auto insurance than those with a series of moving violations and car accidents on their record. Discover how much you might pay for Corpus Christi car insurance rates by driving history below.
|Driving History||Avg. Monthly Cost|
If you’re looking for auto insurance quotes in Corpus Christi, your credit history will play a role in how much you pay. If you have bad credit or poor financial responsibility, your rates will typically be higher than drivers with good or excellent credit ratings. That doesn’t mean it’s impossible to find cheap car insurance quotes—just shop around when looking for auto insurance coverage.
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The Texas Department of Motor Vehicles (DMV) is an excellent place to start when looking for vehicle registration, driver’s license renewal, license plates, address changes, and more. The Corpus Christi DMV is found in Nueces County at 901 Leopard Street, Suite 301. The office is open from 8 a.m. to 5 p.m., Monday through Friday.
The Corpus Christi Regional Transportation Authority offers convenient options for getting around the city without your own vehicle. It offers an extensive, convenient, and affordable bus system. Bus routes are available seven days a week throughout the city.
Hands down, the best way to find the cheapest car insurance in Corpus Christi is to shop around to compare rates. Insurify makes it easy—the car insurance comparison tool lists top insurance companies and rates to help you get the best deal on insurance coverage, whether you’re looking for liability coverage or full-coverage policies.
There are many steps you can take to find a low-cost auto insurance policy. The first is to shop around to compare rates and coverage options from multiple insurance agents and companies. You can also use safe driving practices to keep your driving history clean, increase your insurance deductible, and ask about policy discounts to lower your costs.
Car insurance costs in Corpus Christi depend on several factors. Your age, type of vehicle, driving record, and location can all impact your cost. Insurance providers like Clearcover, Mile Auto, Elephant, Apparent, and Progressive have policies with an average cost that’s less than $140 per month.
Many factors go into determining the cost of your car insurance policy. Some of the most common reasons why Corpus Christi residents see their auto insurance rates increase are lack of driving experience, age, gender, and the number of accidents or tickets in the past five years.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Corpus Christi, Texas below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Corpus Christi drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Corpus Christi
City with the Most Speeding Tickets Rank in Texas
City with the Most Moving Violations Rank in Texas
City with the Most DUIs Rank in Texas
City with the Most Suspended Licenses in Texas
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Corpus Christi drivers rank 163 in the number of car accidents per driver across all cities in Texas.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Corpus Christi drivers rank 86 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Corpus Christi drivers rank 144 in the number of DUI’s per driver across all cities in Texas.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Corpus Christi is the Ford F-Series Pickup.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Corpus Christi drivers rank 51 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Corpus Christi drivers rank 14 in clean driving records across all cities in Texas.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Corpus Christi drivers rank 2 in failure to yield violations per driver across all cities in Texas.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Corpus Christi drivers rank 49 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Corpus Christi drivers rank 87 in hybrid and electric vehicle ownership across all cities in Texas.
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.