Best cheap car insurance in Corpus Christi

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If you are getting ready to purchase car insurance in Corpus Christi, Texas, doing your research regarding the insurance options in the city may be worth your time. The city’s average insurance rates for minimum coverage are $594 annually and $1,806 annually for full coverage.

Corpus Christi has the seventh highest number of accidents in Texas. In 2019, the Texas Department of Transportation reported 8,185 crashes – that is one for every 40 residents. The main culprit: speeding. One in four of the county’s traffic fatalities are speed related.

There are plenty of auto insurance options in Texas, and understanding the choices in Corpus Christi may help you make an informed decision about your auto insurance.

Best car insurance companies in Corpus Christi

To pick the best car insurance companies in Corpus Christi, we compared characteristics like coverage and policy options, pricing, available discounts and quality of service. With those factors in mind, five companies were chosen as the best options in the city.

Insurance Company J.D. Power Score
(Texas)
Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico 846 / 1000 $484 $1,314
State Farm 844 / 1000 $601 $1,406
Allstate 832 / 1000 $585 $1,702
Nationwide 820 / 1000 $571 $1,526
USAA 878 / 1000 $432 $1,302

Geico

Geico offers cheap car insurance in Corpus Christi by exceeding industry standards for both affordability and service. Rates are among the lowest in the city: $484 per year for minimum coverage and $1,314 per year for full coverage on average. Texas drivers named Geico one of the best companies for customer satisfaction in the 2020 J.D. Power U.S. Auto Insurance Study.

There are a few reasons why customers love Geico. The provider offers plenty of discounts, giving policyholders opportunities to save even more. Drivers can also take advantage of 24/7 customer service and a convenient mobile app.

State Farm

Although State Farm’s minimum coverage pricing is a bit higher than the city average, affordable full coverage premiums make this a great choice for drivers wanting additional protection. At $1,406 per year for full coverage, State Farm is a good choice for those seeking more robust insurance.

State Farm is also popular among its Texas customers. The company ranks among the top five in customer satisfaction according to the 2020 J.D. Power U.S. Auto Insurance Study.

Allstate

Allstate has a strong community presence in Corpus Christi, with 16 local agents operating out of offices around the city. Since these agents are experts in the area, they can be an invaluable resource in making sure your coverage fits your needs.

In terms of pricing, Allstate’s premiums are below average for Corpus Christi. Allstate also ranked above industry average for claims satisfaction in the 2020 J.D. Power U.S. Auto Claims Satisfaction Study.

Nationwide

Nationwide’s average full coverage rate of $1,526 is a particularly good deal in Corpus Christi, where the average full coverage premium is $1,806. Combine this with one or more discounts such as safe driving, automatic payments or being a good student and you could save even more.

If you do not have a long daily commute, you may want to look into Nationwide’s SmartMiles program, which allows you to customize your insurance based on the number of miles you drive. Instead of a flat premium, your monthly insurance cost will be based on the number of miles you have actually driven, among other factors such as the type of car you drive and your accident history.

USAA

USAA sells insurance products exclusively to past and present military members and their families. Average rates for minimum coverage are $432 per year while full coverage costs just $1,302 per year. Both are well below the Corpus Christi average cost for car insurance.

USAA is also lauded for treating its customers well. The company consistently receives high scores from J.D. Power.

Cheapest car insurance in Corpus Christi

Car insurance in Corpus Christi is slightly higher than the national average, at $594 annually for minimum coverage and $1,806 annually for full coverage. The national average for car insurance premiums is $565 per year for minimum coverage and $1,674 per year for full coverage.

There are several options for cheap car insurance in Corpus Christi. For example, if you are a past or present military member, USAA’s rates are well below average for the city, providing both the lowest average annual minimum coverage premium and the lowest annual full coverage premium. Even if you are not affiliated with the military, you can get cheaper-than-average coverage from other companies, including Geico, Nationwide and Mercury.

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA $432 $1,302
Geico $484 $1,314
Nationwide $571 $1,526
Mercury $572 $1,675
Allstate $585 $1,702

Corpus Christi insurance requirements

All drivers in Texas must carry 30/60/25 coverage, which means $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 in property damage liability.

Insurers are also required to offer personal injury protection (PIP) and uninsured/underinsured motorist coverage to every driver seeking a car insurance quote. Drivers are allowed to submit a request in writing to decline these coverages, but talking to an agent first about the pros and cons of these options may be advisable.

Car insurance discounts in Corpus Christi

Most insurers offer discounts that can help you save money on your policy. Here are some of the common discounts for Corpus Christi drivers:

  • Safe-driving discounts: If you have no accidents or tickets for a specified number of years, you may qualify for a safe-driving discount.
  • Military discounts: If you are a member of the military, companies may reduce your premium.
  • Good student discounts: If you are a student or you are insuring a student on your policy, you may be eligible to reduce your premium if you or your student maintains a high GPA.
  • Multi-vehicle discounts: If you insure more than one vehicle with the same company, you may qualify for this discount.
  • Policy bundling discounts: This discount is often available to those who purchase more than one type of insurance from the same company, such as home and auto insurance.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is going to be different for every driver. Companies look at factors such as your driving history, type of vehicle and coverage selections in order to rate your policy. Additionally, every driver has a different set of requirements in a company. One driver may want a company with lots of online features, for example, while another driver is simply looking for the lowest price. One way to find the right coverage for you is to obtain quotes from multiple providers so that you can compare cost, features and discount options.

How much does car insurance in Corpus Christi cost?

The average annual cost of car insurance in Corpus Christi is $594 for minimum coverage and $1,806 for full coverage, which is only slightly higher than the national average cost.

How much car insurance do I need in Corpus Christi?

To legally drive your car in Corpus Christi, you will need to carry a minimum of $30,000 per person and $60,000 per accident in bodily injury liability, as well as $25,000 in property damage liability. A qualified Corpus Christi car insurance agent can help you choose the right policy.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.