Shopping for car insurance is often confusing, but Bankrate has done the legwork to find the best cheap auto insurance in Corpus Christi. Based on our research, for full coverage,  the average cost of car insurance in Corpus Christi is $1,779 per year, or $148.25 per month, and $581 per year for minimum coverage. State Farm, Geico, Esurance, Mercury Insurance and USAA are the cheapest car insurance companies we found for Corpus Christi drivers.


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Best cheap car insurance companies in Corpus Christi

Based on data provided by Quadrant Information Services, State Farm, Geico and Esurance offer the lowest average auto insurance rates for Corpus Christi drivers. Bankrate rates car insurance companies based on a five-point scale to measure a provider’s affordability, availability, customer satisfaction according to the 2022 J.D. Power Auto Insurance Study, financial strength and rates. This analysis led our editorial team to a short list of top cheap car insurance companies in the city that consumers can use to start their quote comparison journey when shopping for an auto insurance policy.

Insurance company Bankrate Score J.D. Power score Average annual premium for full coverage Average annual premium for minimum coverage
State Farm 4.7 851/1,000 $1,242 $460
Geico 4.7 843/1,000 $1,319 $449
Esurance 4.2 Not rated $1,402 $505
Mercury 4.1 Not rated $1,407 $465
USAA 5 885/1,000 $1,447 $470

State Farm

State Farm offers affordable rates and has more than 20 Corpus Christi agents. The provider has an impressive line of optional coverage, including car rental and travel expenses and rideshare coverage. However, gap insurance is not an option. State Farm’s bundle options could also net you substantial savings when purchasing some combination of an auto, condo, home, life or renters policy.

Learn more: State Farm Insurance review


Geico offers cheap average minimum and full coverage rates for Corpus Christi drivers. Along with all standard coverage types you need, Geico also offers optional mechanical breakdown insurance, which covers all parts and systems, with an affordable deductible. However, its add-on coverage options are limited when compared to the other carriers on our list. Still, the carrier offers more than a dozen ways to lower your premium, including good driver, good student, military, multi-policy, new vehicle and safety and security equipment discounts.

Learn more: Geico Insurance review


Esurance, an Allstate company, offers DriveSense, a usage-based car insurance program that offers a discount for enrolling and rewards you with discounts for safe driving habits. The insurer also has a mobile app, which enables you to access your insurance ID card, file a claim and request roadside assistance from your mobile phone. Although the insurer is not rated by J.D. Power, it does receive positive app ratings from policyholders and offers competitive rates compared to the citywide average.

Learn more: Esurance Insurance review 

Mercury Insurance

Mercury offers affordable car insurance in Corpus Christi and provides numerous discounts to lower your rate even further. Beyond standard coverage, Mercury also offers optional roadside assistance coverage, which covers battery jump starts, emergency fuel and fluid delivery, locksmith service, tire changes and towing. Mercury sells auto insurance in Corpus Christi through five independent agencies. Mercury is not available nationwide, which may be worth considering for drivers who plan to move to a state the company does not cover in the near future.

Learn more: Mercury Insurance review 2022


USAA earned the highest J.D. Power and Bankrate scores, but it does not qualify for J.D. Power ranking because it only sells insurance to members of the U.S. military, veterans and their qualified family members. USAA offers up to a 10 percent discount to members who bundle auto and home insurance policies and up to a 60 percent discount for service members who garage their vehicles while on deployment. The provider’s portfolio includes business, health, life, long-term care, property and vehicle insurance, along with banking, investment and retirement products.

Learn more: USAA Insurance review

How to get and keep the cheapest car insurance in Corpus Christi

The best way to find the cheapest car insurance in Corpus Christi is to shop around, but keep these tips in mind in order to both find and keep your low rates. 

  • Research customer service. While rates are important, it’s important to purchase insurance from an insurer that has a reliable customer service record and good financial strength ratings. You can find J.D. Power customer satisfaction scores and AM Best financial strength ratings online to see how a provider might fare.
  • Ask your insurance agent about discounts. Once you have a policy, you may be able to lower your rate further by ensuring all applicable discounts have been added to your policy, such as any safe driver savings available.

Frequently asked questions

    • Some drivers prioritize finding cheap car insurance companies. However, when choosing the best car insurance company, also consider carriers that offer the best combination of coverage types, customer support, financial strength and price. The best car insurance company is the one that fits your needs. For example, you might want a provider that offers one-stop shopping for home and auto policies, or one that has good discounts for teen and young adult drivers.
    • Texas auto insurance laws require all motorists to carry at least:
      • $30,000 bodily injury liability per person
      • $60,000 bodily injury liability per accident
      • $25,000 property damage liability per accident

      According to the Texas Department of Insurance, all Texas car insurance policies include personal injury protection (PIP). Since the law does not require PIP coverage, automobile owners have the option to drop it by notifying an insurer in writing.


Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Scores

Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. PowerAM BestS&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.