Cheapest Auto Insurance in Corpus Christi, Texas (2024)

State Farm offers the cheapest car insurance in Corpus Christi, with minimum-coverage policies as low as $37 per month.

Elizabeth Rivelli
Elizabeth Rivelli
  • 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.

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Katie Powers
Edited byKatie Powers
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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.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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 Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Updated November 28, 2024

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Cheapest recent rates near Corpus Christi, Texas

Drivers in and around Corpus Christi, Texas have found policies from Mercury, State Farm, Mile Auto, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Corpus Christi, Texas within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Corpus Christi, Texas within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of car insurance in Corpus Christi, Texas, is $230 per month for full coverage and $129 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 national averages of $204 and $104.

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. Here’s what you need to know about finding auto coverage in Corpus Christi.

Quick Facts
  • State Farm, GEICO, and Allstate have the cheapest car insurance in Corpus Christi.

  • Rates in Corpus Christi are similar to the statewide averages of $120 per month for liability coverage and $241 per month for full coverage.

  • Corpus Christi drivers pay an average of $2,764 per year for full-coverage policies.

3 of the cheapest 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.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm9.3$69$37Cheap rates
USAA9.4$123$66Military families
GEICO9.0$75$40Discounts
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
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.
$37/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
4.2
Best choiceBased on 9074 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,989)

Mary

November 26, 2024

Verified Review

Life

It's just fine. However, like everything else, costs just keep going up. I'm looking for a way to save more as living paycheck to paycheck is not fun.

Robert

November 26, 2024

Verified Review

Claimed

State Farm helped me quickly when UPS totaled my motorcycle and paid it FAST.

Donald

November 26, 2024

Verified Review

No Bargains Here, Just Premium Increases

Way too expensive.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.

Pros
  • Cheapest average rates by coverage level in the city

  • Ranked above average for customer satisfaction in J.D. Power 2023 Auto Insurance Study[1]

Cons
  • No gap insurance offered

  • Higher rates than some competitors for drivers with poor credit

Best insurer for military families: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
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.
$66/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.
$122/mo
4.9
Best choiceBased on 1614 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (920)

Susan

November 25, 2024

Verified Review

New to USAA

I have had limited contact with USAA since I started working with them. I wish my car insurance and homeowners policy were less expensive. I drive less than 50 miles a week and feel I am paying too much.

Andrew

November 25, 2024

Verified Review

Great Insurance but Expensive

The customer service and claims process are outstanding.

Arnie

November 25, 2024

Verified Review

Ratings

I have been with them for 50 years.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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

Best insurer for discounts: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
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.
$40/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.
$75/mo
4.0
Best choiceBased on 10302 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,664)

Elijah

November 27, 2024

Verified Review

Disappointed

Although you may have a 6-month policy, your rates are subject to change monthly.

Vickie

November 27, 2024

Verified Review

Experience with Geico

I have been with Geico for quite a while and I believe if insurance can be cheaper, they should adjust their prices accordingly. Otherwise, I might consider switching to another company.

Douglas

November 26, 2024

Verified Review

Watch Out

Be careful. They increase the rates every six months.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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

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. But 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.

Find Car Insurance in Corpus Christi

Liability rates start at $37 per month

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Based on 3,806+ reviews
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Cheapest liability-only car insurance in Corpus Christi: State Farm

“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.

The average monthly rate for liability coverage in Corpus Christi is $129. 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: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance Company
Average Monthly Quote
State Farm$37
GEICO$40
Allstate$53
Mile Auto$57
USAA$66
Nationwide$84
Mercury$87
Progressive$100
Safeco$101
Dairyland$107
Chubb$112
Clearcover$123
National General$123
21st Century$129
Direct Auto$130
The General$130
Bristol West$135
Commonwealth Casualty$136
Elephant$144
GAINSCO$166
Liberty Mutual$198
Foremost$223
State Auto$249
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: State Farm

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.

Full-coverage car insurance in Corpus Christi costs an average of $230 per month. The following car insurance companies have the cheapest full-coverage quotes in Corpus Christi.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance Company
Average Monthly Quote
State Farm$69
GEICO$75
Allstate$96
Mile Auto$115
USAA$122
Mercury$148
Nationwide$153
Progressive$174
Safeco$180
Clearcover$184
Chubb$207
Elephant$237
21st Century$240
Direct Auto$250
National General$255
Dairyland$278
The General$284
Bristol West$288
Liberty Mutual$326
GAINSCO$353
Commonwealth Casualty$376
State Auto$458
Foremost$473
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 recent rates near Corpus Christi, Texas

Drivers in and around Corpus Christi, Texas have found policies from Dairyland, Alinsco, Clearcover, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Corpus Christi, Texas within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Corpus Christi, Texas within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. 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.[2]

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:

Coverage
Minimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000 per accident

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:

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Personal injury protection coverage

    Personal injury protection covers the medical bills of you and your passengers following an accident, as well as lost wages and other non-medical costs.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If a driver without sufficient coverage hits your vehicle, uninsured/underinsured motorist insurance covers your medical expenses and vehicle repairs. It also kicks in after a hit-and-run accident.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for vehicle repair or replacement after an accident, regardless of fault. Collision also covers rollover accidents and damage caused by hitting a pothole.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers damage from non-collision incidents, including flood, fire, theft, vandalism, and more.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Similar to PIP coverage, medical payments insurance 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.[3]

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.[4]

Find Car Insurance in Corpus Christi

Rates start at $45/mo. for drivers with an incident

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Based on 3,806+ reviews
4.8/5
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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. But 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 $314. Liability averages $176 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: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm$37$47
GEICO$40$51
Allstate$53$68
Mile Auto$57$74
USAA$66$84
Nationwide$84$109
Mercury$87$119
Progressive$100$127
Safeco$101$131
Dairyland$107$137
Chubb$112$146
Clearcover$123$158
National General$123$158
21st Century$129$171
Direct Auto$130$167
The General$130$170
Bristol West$135$174
Commonwealth Casualty$136$188
Elephant$144$199
GAINSCO$166$229
Liberty Mutual$198$273
Foremost$223$308
State Auto$249$344
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 $187 per month for liability coverage and $333 per month for full-coverage 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: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance Company
Clean Driving Record
With At-Fault Accident
State Farm$37$50
GEICO$40$54
Allstate$53$72
Mile Auto$57$79
USAA$66$90
Nationwide$84$115
Mercury$87$127
Progressive$100$137
Safeco$101$136
Dairyland$107$144
Chubb$112$153
Clearcover$123$180
National General$123$167
21st Century$129$180
Direct Auto$130$181
The General$130$180
Bristol West$135$183
Commonwealth Casualty$136$181
Elephant$144$192
GAINSCO$166$216
Liberty Mutual$198$287
Foremost$223$323
State Auto$249$368
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 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. 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.[5] 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 $379 for full coverage and $212 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: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance Company
Clean Driving Record
With DUI
State Farm$37$61
GEICO$40$66
Allstate$53$87
Mile Auto$57$94
USAA$66$109
Nationwide$84$138
Mercury$87$132
Progressive$100$165
Safeco$101$154
Dairyland$107$176
Chubb$112$185
Clearcover$123$203
National General$123$203
21st Century$129$213
Direct Auto$130$214
The General$130$214
Bristol West$135$222
Commonwealth Casualty$136$224
Elephant$144$237
GAINSCO$166$274
Liberty Mutual$198$326
Foremost$223$367
State Auto$249$410
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 70. 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 $142 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: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance Company
Full Coverage
Liability Only
State Farm$52$28
GEICO$58$31
Allstate$75$42
Mile Auto$85$42
USAA$95$52
Nationwide$112$61
Mercury$114$67
Progressive$123$70
Chubb$147$80
Safeco$150$84
Clearcover$155$104
21st Century$175$94
Elephant$189$115
Direct Auto$190$99
National General$190$92
Dairyland$217$84
The General$225$103
Bristol West$226$106
Liberty Mutual$268$163
GAINSCO$289$136
Commonwealth Casualty$294$106
State Auto$334$182
Foremost$370$174
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.[6]

Car insurance for teen drivers in Corpus Christi costs an average of $238 per month for liability-only policies and $424 for full coverage.

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.

Below, you can find the cheapest car insurance companies in Corpus Christi for teens.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance Company
Full Coverage
Liability Only
State Farm$124$66
GEICO$125$67
Allstate$178$98
USAA$213$115
Mile Auto$231$115
Mercury$272$160
Nationwide$278$153
Progressive$318$183
Clearcover$352$235
Safeco$360$202
Elephant$401$244
Chubb$411$222
21st Century$424$228
Dairyland$468$180
The General$471$215
Direct Auto$475$247
Bristol West$506$237
National General$521$251
Liberty Mutual$583$354
GAINSCO$634$298
Commonwealth Casualty$677$245
State Auto$846$460
Foremost$874$412
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 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 $230 for full coverage and $129 for liability coverage. For comparison, the U.S. national average rate is $204 per month for full coverage and $104 per month for liability coverage. On average, Texans pay $181 per month for auto coverage.

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. Below, you can see how average monthly car insurance quotes in some other Texas cities compare to insurance costs in Corpus Christi.

City
Full Coverage
Liability Only
Arlington$248$126
Dallas$277$133
El Paso$202$97
Fort Worth$237$120
Galveston$236$130
Houston$322$174
Irving$261$130
Plano$243$126
San Antonio$237$123
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 $180 per month. Drivers in the city pay $129 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.

  • What company has the cheapest car insurance rates in Corpus Christi?

    State Farm offers the lowest car insurance in Corpus Christi, at $37 per month for liability-only coverage and $69 for full coverage.

    GEICO and Allstate also offers low rates, at $40 and $53 per month, respectively

  • What are the best car insurance companies in Corpus Christi?

    The best car insurance company in Corpus Christi is State Farm, which has a high Insurify Quality (IQ) Score of 9.3 out of 5, 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.

Sources

  1. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  2. Texas Department of Insurance. "Automobile insurance guide."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI."
  6. Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts."
Elizabeth Rivelli
Elizabeth Rivelli

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

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
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.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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 Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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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