Best cheap car insurance in Corpus Christi for 2022
A Texas driver is involved in a collision just over every minute. With this statistic in mind, auto insurance might be an especially important consideration for Corpus Christi drivers. The average cost of full coverage car insurance in Corpus Christi is $1,806 per year, while minimum coverage costs an average of $594 per year. While this rate is higher than the national average cost of car insurance, several providers offer competitive rates. Based on our research, USAA offers the cheapest car insurance in Corpus Christi, with an average annual full coverage premium of $1,302.
You may want to consider factors in addition to price when comparing providers. To find the best car insurance, Corpus Christi drivers may want to compare each company’s quality of customer service, available coverages, discounts and mobile app accessibility.
Best car insurance companies in Corpus Christi
Bankrate’s diversified approach for finding the best car insurance in Corpus Christi considers several aspects of each company. We use the latest average quoted premium data from Quadrant Information Services while also factoring in elements like discounts, customer service and accessibility. We also analyzed how companies rank for customer satisfaction by consulting the J.D. Power 2021 U.S. Auto Insurance Study.
|Insurance company||J.D. Power score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
*USAA is not eligible for official ranking with J.D. Power due to eligibility restrictions
USAA sells insurance products exclusively to past and present military members and their immediate families. Both the average minimum coverage and full coverage rates are well below the Corpus Christi average cost for car insurance. The company is also lauded for treating its customers well. USAA consistently receives high scores from J.D. Power, although the carrier is not officially ranked due to its eligibility restrictions.
Learn more: USAA Insurance review
Geico’s rates are among the lowest in the city. If budget is your primary concern, Geico might be a good fit for your car insurance. The company offers plenty of discounts that could be contributing to the low average rates. In terms of customer service, Geico hosts a 24-hour customer hotline and convenient mobile app.
Learn more: Geico Insurance review
Nationwide’s average full coverage rate is quite a bit lower than the average full coverage premium in Corpus Christi. The company offers discounts for safe driving, automatic payments and good grades for full-time students. The SmartMiles program allows you to customize your coverage based on the number of miles you drive rather than charging a flat monthly premium.
Learn more: Nationwide Insurance review
Allstate has a strong community presence in Corpus Christi, with 16 local agents operating in the city. Because these agents are locals in the area, they might be a valuable resource for making sure your coverage fits your needs. In terms of pricing, the company’s premiums come in below the average for Corpus Christi.
Learn more: Allstate Insurance review
While State Farm’s average minimum coverage premium is a bit pricier than the Corpus Christi average, the company’s full coverage option is much lower than the city’s average. State Farm also ranked well with Lone Star State drivers in the 2021 J.D. Power U.S. Auto Insurance Study, placing fifth in overall customer satisfaction.
Learn more: State Farm Insurance review
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 premiums for car insurance are $565 per year for minimum coverage and $1,674 per year for full coverage.
Drivers have 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 might find cheaper-than-average coverage from other companies, including Geico, Nationwide, Mercury and Allstate.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Corpus Christi insurance requirements
Texas requires that all drivers in the state carry at least 30/60/25 coverage. This means that your policy must include at least the following coverages and limits:
- $30,000 per person in bodily injury liability
- $60,000 per accident in bodily injury liability
- $25,000 per accident in property damage liability
Insurers are also required to offer personal injury protection (PIP) and both uninsured and underinsured motorist coverage to every driver seeking car insurance in Texas. Drivers may 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.
With dozens of local providers offering competitive coverage, you may want to compare multiple quotes to find the best car insurance in Texas for your individual needs.
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 cheapest car insurance company. One way to find the right coverage for you is to obtain car insurance quotes in Corpus Christi 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 higher than the national average cost. This could be due to the likelihood of accidents in Corpus Christi, the cost of medical care or the price for vehicle repairs and labor. Because car insurance rates are personalized, your rates will likely vary from the city average.
Is Texas a no-fault state?
No, Texas is not a no-fault state. Texas is considered an at-fault, or tort, state. This means that drivers who cause accidents in Texas are financially responsible for both the damages and injuries that they cause.
Bankrate utilizes Quadrant Information Services to analyze 2021 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 base profile drivers own a 2019 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.