Cheap Auto Insurance Quotes in Corpus Christi, TX (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.

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Cheapest Car Insurance in Corpus Christi, TX

Here are the cheapest carriers in Corpus Christi for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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

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Corpus Christi, TX Driving Facts

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.

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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.

Driver's AgeAvg. Monthly Cost
teens$546
20s$309
30s$228
40s$244
50s$183
60s$181
70s$213
80s$247
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$228
Good$272
Average$255
Poor$246

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 Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Corpus Christi stacks up for the state of Texas:

ford
Ford F-Series Pickup
Most Popular Car in
Corpus Christi, TX
suspended licenses
#46
Cities with Most
Suspended Licenses Rank

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.