Cheap Auto Insurance Quotes in Corpus Christi, TX (November 2021)

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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. 

Car Insurance in Corpus Christi, TX

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.
$54
$113
$170
$200
$202
ProgressiveAllstateState FarmNationwideDirect Auto

Cheapest Car Insurance in Corpus Christi, TX

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Corpus Christi, TX

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Corpus Christi. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$218
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Corpus Christi, TX Driving Facts

texas

Minimum Car Insurance Requirements in TX

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:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

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.

  • $25,000 propery damage liability per accident

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.

Corpus Christi Car Insurance Rates by Driver Age

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.

Driving History
No Violation$229
Speeding Ticket$346
At-Fault Accident$304
Failure to Stop for Red Light / Stop Sign$554

Corpus Christi Car Insurance Rates by Driving and Accident History

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.

Corpus Christi Car Insurance Rates by Credit Tier

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.

Corpus Christi DMV Information

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.

Public Transit in Corpus Christi

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.

Conclusion: How to get the best and cheapest car insurance in Corpus Christi

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.

Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

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.

Find local Corpus Christi agents

Optimum Insurance Solutions, LLC 
5866 S. Staples, Ste. 352, Corpus Christi, TX 78413
Bjella Insurance Insurance Agency Inc 
4925 Everhart Rd Ste 112, Corpus Christi, TX 78411
Borden Insurance
210 S Carancahua, Suite 400, Corpus Christi, TX 78401
Del Mar Insurance Associates LLC 
3801 Saratoga Blvd., Ste. 105, Corpus Christi, TX 78415
Carlisle Insurance Agency, Inc. 
500 N Water St Ste 900, Corpus Christi, TX 78401-0234
Alliance Insurance Agency, Inc 
13310 Leopard Street, Suite 4, Corpus Christi, TX 78410
Higginbotham Insurance Agency 
P.O. Box 870, Corpus Christi, TX 78403
Kingsbury Peetz Insurance Agency, LLC 
3038 S Alameda St, Corpus Christi, TX 78404-2601
Dewitt Padre Island North 
14641 S Padre Island Drive Suite B, Corpus Christi, TX 78418
Keetch & Associates Insurance 
P.O. Box 3280, Corpus Christi, TX 78463-3280

Insurify Insights: How Corpus Christi Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Corpus Christi, TX
suspended licenses
#53
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Corpus Christi drivers measure up to their fellow Texas motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Corpus Christi

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.

  • Rank within state: #163
  • Percent of drivers in Corpus Christi with an accident: 7.54%
  • Drivers in Corpus Christi, TX with an accident in their driving history paid on average 44.93% more than drivers with a clean record

Speeding Corpus Christi

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.

  • Rank within state: #86
  • Percent of drivers in Corpus Christi with a speeding ticket: 9.06%
  • Drivers in Corpus Christi, TX with a speeding ticket in their driving history paid on average 41.06% more than drivers with a clean record

DUI/DWIs Corpus Christi

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.

  • Rank within state: #144
  • Percent of drivers in Corpus Christi with a DUI: 0.94%
  • Drivers in Corpus Christi, TX with a DUI in their driving history paid on average -92.75% more than drivers with a clean record

Most Popular Vehicle Corpus Christi

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.

Rude Corpus Christi

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.

  • Rank within state: #51
  • Percent of drivers in Corpus Christi with a reckless driving violation: 1.41%
  • Drivers in Corpus Christi, TX with a reckless driving violation in their driving history paid on average 40.58% more than drivers with a clean record.

Safest Drivers Corpus Christi

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.

  • Rank within state: #14
  • Percent of drivers in Corpus Christi with clean record: 84.95%

Failure to Yield the Right of Way Corpus Christi

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.

  • Rank within state: #2
  • Percent of drivers in Corpus Christi with a failure to yield violation: 0.44%
  • Drivers in Corpus Christi, TX with a failure to yield violation in their driving history paid on average 1000% more than drivers with a clean record

Reckless Drivers Corpus Christi

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.

  • Rank within state: #49
  • Percent of drivers in Corpus Christi with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Corpus Christi

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.

  • Rank within state: #87
  • Percent of drivers in Corpus Christi with a hybrid/electric vehicle: 0.83%

FAQs - Corpus Christi, TX Car Insurance

What are the required insurance needs of Texas drivers?

To legally drive in Texas, vehicles must carry liability insurance, even if they are just parked on the road. Bodily injury and property damage coverage are required as the minimum coverage in the state. Supplemental coverage for further protection in the case of an accident can be obtained in the form of comprehensive, collision, loan/lease payoff, medical payments, rental car reimbursements, roadside assistance, and uninsured motorist protection. Insurance agencies offer these options for further coverage in the case of an accident caused by or involving your vehicle. As insurance products become more comprehensive, so does the protection. While cheap auto insurance is what some drivers are in the market for, other drivers prefer to have the highest coverage.

What happens if I get caught driving uninsured in Corpus Christi?

Driving uninsured puts yourself, your passengers, your property, and everyone around you in danger. Never drive uninsured. In the state of Texas, if a driver is found to be driving uninsured, punishments can have major, costly, and long-term repercussions. For the first offense of driving without financial responsibility, drivers will receive four points on their license, hundreds in fines, and license suspension. They may also be mandated to file SR-22 insurance.

Which company offers the cheapest auto insurance quotes in Corpus Christi?

The best way to get the cheapest car insurance in Corpus Christi and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.


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