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Cheapest Car Insurance Quotes in Corpus Christi, Texas
Kemper Preferred, Clearcover and SafeAuto offer the cheapest car insurance for full-coverage insurance in Corpus Christi.
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Written by
Anna Baluch
Insurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Edited by
Evelyn Pimplaskar
Editor-in-Chief, Director of Content
Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.Prior to joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative, and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as Credit Karma’s tax editor, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.
Reviewed by
Janeth Lopez
Licensed Insurance Agent
Janeth Lopez is a licensed insurance agent. She specializes in auto, home, business, life, and RV insurance.
Updated November 30, 2022
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Perched on the Gulf of Mexico, Corpus Christi beaches are a favorite destination for kiteboarders, windsurfers, and sailors. And with minimum-coverage car insurance that costs an average of $209 per month — $61 less than the Texas monthly average of $270 — the city is a good place for car insurance shoppers.
If you’re a driver in Corpus Christi, you can find cheap coverage by shopping around. Keep reading to learn about auto insurance rates in Corpus Christi.
Table of contents
- How much does car insurance cost in Corpus Christi?
- Cheapest car insurance in Corpus Christi: Mile Auto
- How much car insurance do you need in Corpus Christi?
- Tips for getting cheap car insurance in Corpus Christi
- How age affects car insurance rates in Corpus Christi
- How credit scores affect cheap car insurance in Corpus Christi
- The effect of driving habits on car insurance in Corpus Christi
- Car insurance in other Texas cities
- Corpus Christi car insurance FAQs
- Insurify Insights
How much does car insurance cost in Corpus Christi?
Since car insurance costs in Corpus Christi vary widely, it’s a good idea to compare quotes to get the best deal for your unique needs. To identify the cheapest quotes, Insurify data scientists analyzed the latest insurance rates in Corpus Christi.
Auto insurance rates in the city range from $110 to $589 per month and are based on a number of factors, such as driver experience and coverage type. Here’s a look at a few of the cheapest options in Corpus Christi.
Cheapest liability-only insurance: State Auto, $110
Cheapest full-coverage insurance: Kemper Preferred, $142
Cheapest insurance for new/young drivers: Mile Auto, $198
Check Out: Cheap Car Insurance in Texas
Cheapest car insurance in Corpus Christi: Mile Auto
State Auto is the cheapest car insurance company in Corpus Christi, with an average rate of $110 per month. Rates for auto coverage in the city depend on a number of factors, including location, age, and credit.
| Insurance Company | Insurify Composite Score (ICS) | Liability Only | Full Coverage |
|---|---|---|---|
| State Auto | 76 | $110 | $268 |
| Kemper Preferred | N/A | $116 | $142 |
| Commonwealth | N/A | $118 | $292 |
| Mile Auto | N/A | $120 | $164 |
| Travelers | 80 | $123 | $209 |
| Acuity | N/A | $136 | $276 |
| Apparent | N/A | $143 | $167 |
| Clearcover | 97 | $144 | $167 |
| Safeco | 86 | $147 | $223 |
| Freedom National | N/A | $168 | $567 |
| Progressive | N/A | $168 | $191 |
| Elephant | N/A | $169 | $172 |
| GAINSCO | N/A | $171 | $342 |
| SafeAuto | N/A | $171 | $187 |
| Midvale Home & Auto | N/A | $172 | $249 |
| Aspen | N/A | $177 | $552 |
| Direct Auto | N/A | $178 | $196 |
| Aggressive | N/A | $186 | $333 |
| AssuranceAmerica | N/A | $186 | $232 |
| Farmers GroupSelect | N/A | $188 | $239 |
| Dairyland | N/A | $190 | $302 |
| Alinsco | N/A | $192 | $326 |
| Kemper | N/A | $197 | $322 |
| Pronto | N/A | $201 | $270 |
| Mercury | 81 | $203 | $222 |
| Quantum | N/A | $204 | $360 |
| Liberty Mutual | 82 | $211 | $271 |
| Kemper Specialty | N/A | $229 | $397 |
| Bristol West | N/A | $241 | $287 |
| The General | N/A | $253 | $344 |
| Nationwide | 89 | $307 | $282 |
| Infinity | N/A | $359 | $464 |
| Hallmark | N/A | $386 | $589 |
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.
Insurify Composite Score (ICS)
To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists and insurance experts weigh multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.
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How much car insurance do you need in Corpus Christi?
The minimum liability insurance requirements for private passenger vehicles in Corpus Christi include:
$30,000 per person for bodily injury
$60,000 per accident for bodily injury
$25,000 per accident for property damage
You must carry proof of insurance in your car at all times and show it when it’s requested by law enforcement, when you’re renewing your vehicle registration, and when your car is involved in an accident.
Texas DMV information
The Texas Department of Motor Vehicles (TxDMV) offers a number of services, many of which you can complete online. You can get your driver’s license, renew your current one, register a vehicle, change your address, get a commercial driver’s license (CDL), and more.
Tips for getting cheap car insurance in Corpus Christi
To score a great deal on auto insurance in Corpus Christi, look for discounts like the defensive driving discount, good student discount, and low mileage discount.
You can also save if you bundle your car insurance with your homeowners insurance or renters insurance. Don’t forget to shop around and request quotes from multiple car insurance companies so you can find the cheapest option.
Learn More: Compare Home and Auto Insurance Bundles
How age affects car insurance rates in Corpus Christi
Young drivers are at a higher risk of getting into an accident. In fact, teens ages 16 to 19 have a higher rate of car crashes than any other age group, according to the Centers for Disease Control and Prevention. As a result, they tend to pay more for car insurance than older drivers with decades of experience.
The following table shows average monthly insurance rates for different age groups in Corpus Christi.
| Age Group | Average Monthly Rate |
|---|---|
| Teenagers | $683 |
| Under 25 | $426 |
| 25–29 | $314 |
| 30s | $249 |
| 40s | $294 |
| 50s | $208 |
| 60s | $225 |
| 70s | $240 |
| 80+ | $202 |
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 young drivers in Corpus Christi
Mile Auto offers the cheapest auto policies for young drivers in Corpus Christi. To lower your rates as a young driver, stay on your parents’ car insurance instead of investing in a stand-alone policy.
| Insurance Company | Average Monthly Rate |
|---|---|
| Mile Auto | $198 |
| Clearcover | $200 |
| Apparent | $208 |
| Elephant | $217 |
| Travelers | $229 |
| Mercury | $277 |
| Safeco | $289 |
| Progressive | $290 |
| Kemper Preferred | $317 |
| Direct Auto | $317 |
| AssuranceAmerica | $328 |
| Farmers GroupSelect | $343 |
| Midvale Home & Auto | $351 |
| Bristol West | $376 |
| Liberty Mutual | $381 |
| Dairyland | $385 |
| State Auto | $387 |
| Nationwide | $395 |
| Kemper Specialty | $420 |
| Commonwealth Casualty | $427 |
| Alinsco | $458 |
| Aggressive | $470 |
| The General | $470 |
| Aspen | $488 |
| Quantum | $541 |
| Kemper | $608 |
| Infinity | $608 |
| Freedom National | $663 |
| Hallmark | $807 |
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.
Worth Reading: Compare Cheap Gap Insurance Companies in Texas
Cheapest car insurance for middle-aged drivers in Corpus Christi
Middle-aged drivers in Corpus Christi can find the cheapest insurance at Mile Auto. Drivers tend to see their insurance rates fall as they age beyond 25. To lower your rates even further as a middle-aged driver, take advantage of as many discounts as you can.
| Insurance Company | Average Monthly Rate |
|---|---|
| Mile Auto | $89 |
| Progressive | $104 |
| Elephant | $138 |
| Farmers GroupSelect | $142 |
| Clearcover | $152 |
| Travelers | $167 |
| Apparent | $167 |
| Nationwide | $175 |
| Safeco | $177 |
| Direct Auto | $181 |
| Mercury | $191 |
| Midvale Home & Auto | $201 |
| Quantum | $215 |
| State Auto | $218 |
| AssuranceAmerica | $221 |
| Bristol West | $221 |
| Commonwealth Casualty | $231 |
| Liberty Mutual | $232 |
| Aspen | $260 |
| Aggressive | $265 |
| Dairyland | $277 |
| Alinsco | $283 |
| The General | $288 |
| Kemper Specialty | $292 |
| Infinity | $344 |
| Freedom National | $388 |
| Hallmark | $459 |
| Kemper | $608 |
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 senior drivers in Corpus Christi
For the cheapest auto policies in Corpus Christi, senior drivers should turn to Progressive. To lower your car insurance rates as a senior driver, take a defensive driving course and bundle your insurance policies.
| Insurance Company | Average Monthly Rate |
|---|---|
| Progressive | $66 |
| Mile Auto | $87 |
| Apparent | $127 |
| Clearcover | $133 |
| Elephant | $144 |
| Mercury | $149 |
| Travelers | $149 |
| Farmers GroupSelect | $154 |
| Midvale Home & Auto | $155 |
| Safeco | $171 |
| Kemper | $171 |
| Direct Auto | $179 |
| Commonwealth Casualty | $204 |
| Bristol West | $205 |
| Liberty Mutual | $206 |
| State Auto | $226 |
| Alinsco | $228 |
| AssuranceAmerica | $229 |
| Quantum | $231 |
| Dairyland | $237 |
| Kemper Specialty | $241 |
| Aggressive | $249 |
| Aspen | $252 |
| The General | $254 |
| Infinity | $310 |
| Nationwide | $382 |
| Freedom National | $452 |
| Hallmark | $483 |
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.
How credit scores affect cheap car insurance in Corpus Christi
Since Texas allows insurance companies to consider credit when setting car insurance rates, your credit score can play a role in your rates in Corpus Christi.
If you have good credit (670-plus), auto insurance companies predict you’ll be less likely to file a claim than someone with fair credit (580–669) or poor credit (300–579). As a result, they’ll likely reward you with lower rates — especially if you’ve maintained a clean driving record.
Here’s a look at the average cost of full-coverage policies by credit tier.
| Credit Tier | Average Monthly Quote |
|---|---|
| Excellent | $233 |
| Good | $300 |
| Fair | $317 |
| Poor | $324 |
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.
Learn More: Car Insurance Rates by Credit Tier
The effect of driving habits on car insurance in Corpus Christi
Your driving habits can significantly affect your auto insurance premiums. If you’re a responsible driver with a clean record, for example, you’ll enjoy lower rates than someone with a history of serious traffic violations, like at-fault accidents, speeding tickets, and DUIs.
Here’s a look at the cheapest average monthly car insurance rates in Corpus Christi based on driver habits:
Cheapest liability-only car insurance in Corpus Christi: State Auto, $110
Cheapest full-coverage car insurance in Corpus Christi: Kemper Preferred, $142
Cheapest car insurance with an accident in Corpus Christi: Mile Auto, $154
Cheapest car insurance with a DUI in Corpus Christi: Apparent, $208
Cheapest car insurance with a speeding ticket in Corpus Christi: Clearcover, $204
Car Insurance Company Clean Record With Accident Difference With DUI Difference With Speeding Ticket Difference Apparent $164 $329 +$165 $208 +$44 $313 +$149 Bristol West $253 $296 +$43 $251 +$2 $443 +190 Liberty Mutual $257 $360 +$103 $299 +$42 $402 +$145 Direct Auto $207 $323 +$116 $310 +$103 $388 +$181 Kemper Specialty $312 $536 +$224 $320 +$8 $506 +$194 Mercury $184 $326 +$142 $320 +$136 $380 +$196 Infinity $416 $500 +84 $331 -$85 $646 +$230 Dairyland $288 $434 +$146 $359 +$71 $424 +$136 Alinsco $320 $436 +$116 $428 +$108 $384 +$64 Hallmark $567 $659 +$92 $515 -$52 $800 +$233 Farmers GroupSelect $152 $411 +$259 $649 +$497 $225 +$73 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in other Texas cities
Throughout Texas, car insurance premiums are generally higher than the national average. Check out insurance information in these other Texas cities:
Find local Corpus Christi agents
Optimum Insurance Solutions, LLC
5866 S. Staples,
Ste. 352, Corpus Christi, TX 78413Bjella Insurance Insurance Agency Inc
4925 Everhart Rd Ste 112,
Corpus Christi, TX 78411Borden Insurance
210 S Carancahua,
Suite 400, Corpus Christi, TX 78401Del Mar Insurance Associates LLC
3801 Saratoga Blvd.,
Ste. 105, Corpus Christi, TX 78415Carlisle Insurance Agency, Inc.
500 N Water St Ste 900,
Corpus Christi, TX 78401-0234Alliance Insurance Agency, Inc
13310 Leopard Street,
Suite 4, Corpus Christi, TX 78410Higginbotham Insurance Agency
P.O. Box 870,
Corpus Christi, TX 78403Kingsbury Peetz Insurance Agency, LLC
3038 S Alameda St,
Corpus Christi, TX 78404-2601Dewitt Padre Island North
14641 S Padre Island Drive Suite B,
Corpus Christi, TX 78418Keetch & Associates Insurance
P.O. Box 3280,
Corpus Christi, TX 78463-3280
Corpus Christi car insurance FAQs
The average cost of car insurance in Texas is $209 per month. Of course, the exact rate you pay will depend on a number of factors, like where you live, how old you are, your driving history, and your credit. Whether or not you comparison shop, taking advantage of discounts and bundling your insurance policies will also help determine your auto insurance premium.
The average cost of full-coverage car insurance in Texas is about $354. Full-coverage auto insurance is a good idea if you want some extra protection and peace of mind. In addition to liability coverage, full coverage includes collision coverage, which will pay for damages to your car if it collides with an object like a tree, and comprehensive coverage, which will cover damage resulting from incidents such as fires and vandalism.
The minimum liability insurance requirements for private passenger vehicles in Corpus Christi include:
$30,000 per person for bodily injury
$60,000 per accident for bodily injury
$25,000 per accident for property damage
Car insurance rates are going up for a number of reasons, such as higher vehicle costs, more expensive repair fees, supply chain issues, and a rise in car accidents. The good news is you can still land a great deal on an auto policy. Just be sure to shop around, compare all your options, and explore discounts and bundling opportunities.
Insurify Insights
How Corpus Christi Drivers Measure Up
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:
Methodology
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.
Ford F-Series Pickup
Most Popular Car in Corpus Christi
#165
City with the Most Speeding Tickets Rank in Texas
#240
City with the Most Moving Violations Rank in Texas
#199
City with the Most DUIs Rank in Texas
#59
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 229 in the number of car accidents per driver across all cities in Texas.
- Rank within state: #229
- Percent of drivers in Corpus Christi with an accident: 7.2%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Corpus Christi drivers rank 199 in the number of DUI’s per driver across all cities in Texas.
- Rank within state: #199
- Percent of drivers in Corpus Christi with a DUI: 0.9%
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 109 in the number of reckless driving offenses per driver.
- Rank within state: #109
- Percent of drivers in Corpus Christi with a reckless driving offense: 1.1%
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 105 in rude driving infractions.
- Rank within state: #105
- Percent of drivers in Corpus Christi with a reckless driving violation: 1.2%
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 165 in the number of speeding infractions per driver.
- Rank within state: #165
- Percent of drivers in Corpus Christi with a speeding ticket: 7.8%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Corpus Christi drivers rank 78 in clean driving records across all cities in Texas.
- Rank within state: #78
- Percent of drivers in Corpus Christi with clean record: 83%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Corpus Christi drivers rank 128 in hybrid and electric vehicle ownership across all cities in Texas.
- Rank within state: #128
- Percent of drivers in Corpus Christi with a hybrid/electric vehicle: 0.79%
Insurify Insights
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.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
