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Corpus Christi drivers pay an average of $178 per month for car insurance, according to our research — slightly less than the Texas state average of $196. You can expect to pay an average of $124 per month for liability coverage and $231 per month for full coverage if you live within city limits.
Corpus Christi is much smaller than major Texas cities like Houston, San Antonio, and Dallas, which likely contributes to its cheaper-than-average rates. Even so, you can still find ways to lower your car insurance costs. This guide will explore the best and cheapest car insurance companies in Corpus Christi for all kinds of drivers.
Key Takeaways:
- State Farm is the cheapest car insurance company in Corpus Christi, on average.
- USAA is the best insurer in Corpus Christi for military members, veterans, and their families.
- All Texas drivers must have minimum liability insurance at 30/60/25 limits.
In This Article:
- Average Price for Car Insurance in Corpus Christi
- Cheapest Corpus Christi Car Insurance Companies
- Best Corpus Christi Car Insurance Companies of 2024
- Corpus Christi Rate Breakdowns by Driver and Coverage Type
- Texas Auto Insurance Requirements
- Frequently Asked Questions
How Much is Car Insurance in Corpus Christi?
The average cost of car insurance in Corpus Christi is $178 per month, according to Compare.com data — significantly higher than the national average of $135, but cheaper than Texas’ statewide average. The average driver in the city pays $124 per month for liability-only policies and $231 per month for full-coverage car insurance.
But these are just average rates — your exact car insurance premium will vary based on your unique driving profile. That’s why it’s so important to compare car insurance quotes from multiple companies before buying a policy.
In the next section, we’ll highlight the five companies offering the cheapest car insurance in Corpus Christi.
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Corpus Christi’s Cheapest Car Insurance Companies
With an average rate of $178 per month, you may want to shop around for cheaper options. Fortunately, there are many excellent, affordable options available in Corpus Christi.
The table below highlights the five cheapest car insurance companies in Corpus Christi and their average monthly premiums, according to Compare.com data.
| Company | Average Monthly Premium |
|---|---|
| State Farm | $50 |
| GEICO | $55 |
| Allstate | $72 |
| Mile Auto | $76 |
| USAA | $90 |
State Farm leads the way with an average monthly premium of just $50. That being said, it might not be the cheapest car insurance company for you since each driver has a different driving profile and so many factors affect your personal rates.
The best company for you depends on various driving characteristics, such as your age, driving record, ZIP code, and even your credit history. These factors can cause rates to vary drastically, as insurers weigh them differently when setting rates.
Keep reading to learn which insurers are best for different types of drivers in Corpus Christi.
Top 3 Best Corpus Christi Insurance Companies of 2024
No single insurance company will be the best coverage option for everyone — and the cheapest company isn’t always the best, either. The best insurance company for you depends on your unique situation, budget, and needs. Thankfully, you have plenty of options to choose from in Corpus Christi.
We selected the following three companies based on a combination of average rates, customer ratings, and available discounts and coverages. Each offers the best car insurance in Corpus Christi for a specific type of driver.
Best overall value: State Farm
- Average premium: $50 per month
- Compare.com rating: 4.9 out of 5
Pros:
- Incredibly cheap rates
- 24/7 claims service
- Plenty of available discounts
Cons:
- Expensive rates for high-risk drivers
- Limited coverage options
- Higher-than-average number of customer complaints
State Farm offers the cheapest car insurance policies of any insurer in Corpus Christi, according to our research. Not only is State Farm the most affordable option, but it also has one of the highest number of discounts in the industry. Check out its bundling, anti-theft, good driver, or any of its many other discounts to save even more.
Best for pay-per-mile insurance: Mile Auto
- Average premium: $76 per month
- Compare.com rating: 2.98 out of 5
Pros:
- Easy quote process
- Pay based on mileage
- Doesn’t track your data
Cons:
- Limited availability
- Difficult claims process
- High number of negative reviews
Mile Auto is an excellent option for retired drivers or Corpus Christi residents who work from home. Its policies allow you to pay based on the number of miles you drove in a given month, so, if you only drove once or twice, you won’t be stuck paying a full premium for hardly any usage. That said, it’s only available in 11 states, so, if you leave Texas, you may need to find a new insurer.
Best for military, veterans, and their families: USAA
- Average premium: $90 per month
- Compare.com rating: 4.91 out of 5
Pros:
- Available nationwide
- Competitive rates
- Military-specific discounts
Cons:
- Only available to military, veterans, and their families
- Gap insurance not available
- Limited available coverage options
USAA is a great option for drivers who are active military, veterans, or family members of either. It offers exclusive coverage to these drivers, allowing it to offer competitive rates and member-exclusive perks and discounts. But it doesn’t offer the cheapest rates in Corpus Christi, so, if you don’t think you’ll take advantage of USAA’s other benefits, it may not be right for you.
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Cheapest Company for Liability Insurance: State Farm
Your coverage levels will significantly affect your car insurance rates — the more coverage you have, the higher your rates will be. But a liability-only car insurance policy with only the state-minimum coverage limits will be the cheapest policy available.
While a liability-only policy is the cheapest, it puts you at greater risk than full-coverage policies since it only covers injuries and property damages to other drivers in a car accident.
But if you’re looking for basic coverage, the table below showcases the cheapest car insurance companies for liability insurance in Corpus Christi, according to Compare.com data.
| Company | Average Monthly Premium |
|---|---|
| State Farm | $39 |
| GEICO | $43 |
| Mile Auto | $51 |
| Hugo | $52 |
| Allstate | $55 |
State Farm is the cheapest car insurance company in Corpus Christi for liability insurance, with an average monthly premium of $39.
Cheapest Company for Full-Coverage Insurance: State Farm
Full-coverage car insurance provides much more protection than a liability-only policy. Full coverage typically includes collision and comprehensive coverage in addition to liability. These added coverages pay for repairs to your vehicle after an accident or non-collision incident. But that added protection comes at a cost — it also costs much more than liability insurance.
Texas doesn’t require you to have full coverage, but if you have a loan on your car, your lender will. Even so, it’s typically a good idea to have full coverage, as it can save you hundreds or even thousands if you cause an accident.
The table below highlights the cheapest car insurance companies in Corpus Christi for full coverage, according to our data.
| Company | Average Monthly Premium |
|---|---|
| State Farm | $62 |
| GEICO | $68 |
| Allstate | $88 |
| Mile Auto | $101 |
| USAA | $111 |
State Farm is the cheapest car insurance company in Corpus Christi for full-coverage car insurance, with an average monthly premium of $62.
Compare Corpus Christi Auto Insurance Rates by Driving Record
Your driving record has a significant effect on your car insurance rates. Insurance companies use it to determine how safe of a driver you are and how much they should charge you. All else equal, drivers with clean driving records pay the cheapest car insurance rates of any group.
But if you have multiple tickets or accidents on your record, insurers will consider you more likely to get into an accident and file a claim in the future, and so it’ll charge you higher premiums.
The table below highlights just how much you can expect to pay for car insurance in Corpus Christi based on your driving record.
| Driving Record | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $124 | State Farm | $39 |
| Speeding ticket | $176 | State Farm | $49 |
| At-fault accident | $187 | State Farm | $53 |
| DUI | $212 | State Farm | $64 |
Let’s take a look at how different driving infractions can affect your rates in Corpus Christi.
Cheapest car insurance in Corpus Christi after a ticket: State Farm
Even a single single speeding ticket can cause your car insurance rates to go — the average driver sees their rates increase by an average of 31%, according to Compare.com data. Speeding tells insurers that you’re not a safe driver, so companies will increase your rates to make up for the added risk of insuring you.
State Farm is the cheapest car insurance company in Corpus Christi for drivers with a speeding ticket, at $49 per month.
Cheapest car insurance in Corpus Christi after an accident: State Farm
An at-fault accident almost always results in your car insurance rates going up. The average driver sees a 34% increase in their premium after an at-fault accident, according to Compare.com data. At-fault accidents indicate to insurance companies that you’re not a reliable driver and are likely to get into another accident in the future, so they raise your rates to account for that extra risk.
State Farm has the cheapest car insurance for Corpus Christi drivers with an at-fault accident, at $53 per month.
Cheapest car insurance in Corpus Christi after a DUI: State Farm
Driving under the influence (DUI) is a serious traffic violation that will always lead to much higher insurance rates and likely a license suspension. Drivers with a DUI see average rate increase of 50%, according to Compare.com data. DUIs indicate to insurers that you’re an extremely unreliable and risky driver — some may even refuse to offer you coverage after a DUI.
Still, State Farm offers the cheapest car insurance rates to Corpus Christi drivers with a DUI, at $64 per month.
Texas Auto Insurance Requirements
Texas requires all drivers to have liability insurance. You must have at least the following coverages to legally drive in the state:
- $30,000 of bodily injury liability coverage per person
- $60,000 of bodily injury liability coverage per accident
- $25,000 of property damage liability coverage per accident
This is commonly known as 30/60/25 coverage.
Compare Corpus Christi Auto Insurance Rates by Age
Your age also significantly affects your car insurance rates. Insurers see younger drivers as more risky because of their lack of experience behind the wheel. Rates decrease as you age, only going up once you hit your 70s.
The table below highlights just how much your age affects your car insurance rates in Corpus Christi.
| Age Group | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $211 | State Farm | $65 |
| 20s | $155 | State Farm | $48 |
| 30s | $118 | State Farm | $37 |
| 40s | $105 | State Farm | $34 |
| 50s | $94 | State Farm | $31 |
| 60s | $88 | State Farm | $28 |
| 70s | $95 | State Farm | $28 |
In the following sections, we’ll discuss the cost of car insurance for teenagers and senior drivers in Corpus Christi.
Cheapest car insurance for Corpus Christi teens: State Farm
Insurance costs are much higher for teens because they’re more likely to speed and cause accidents. Young drivers have a fatal accident rate roughly three times higher than drivers over 20 years old, according to the Centers for Disease Control and Prevention (CDC).
State Farm offers the cheapest car insurance rates for teen drivers in Corpus Christi, with an average monthly premium of $65.
Cheapest car insurance for Corpus Christi seniors: State Farm
As you get older, you’ll enjoy increasingly cheaper car insurance rates, all else being equal. Insurers see senior drivers as less likely to file a claim since they have decades of experience behind the wheel and are often more cautious drivers than teenagers. This results in more affordable rates because insurers see the likelihood of filing a claim as much lower.
State Farm offers the cheapest car insurance rates to Corpus Christi seniors, with an average monthly premium of $28.
How to Get Cheaper Car Insurance in Corpus Christi
Thankfully, you can save money on your car insurance policy in Corpus Christi in a number of ways. Consider the following tips if you’re looking to save money.
- Apply for discounts. Just about every insurer offers several auto insurance discounts. Ask your insurer what you qualify for and add the ones that make sense for your policy. It can save you hundreds each year in premium costs.
- Bundle your policies. Consider bundling your auto insurance with homeowners insurance, renters insurance, or other insurance products from the same insurer. Insurers often offer hefty discounts for this.
- Increase your deductible. Consider raising your deductible (what you pay when you file a claim). It can save you a lot on premiums each month, but just make sure you can afford the extra costs if you file a claim.
- Compare car insurance quotes. Always compare quotes from at least three car insurance companies before buying a policy. This is one of the best ways to save money on a car insurance policy.
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Corpus Christi Auto Insurance FAQs
If you still want to know more about Corpus Christi auto insurance, check out the answers to these commonly asked questions.
Which company has the cheapest car insurance in Corpus Christi?
State Farm has the cheapest car insurance in Corpus Christi, with an average premium of $50 per month, according to Compare.com data. But keep in mind that the best car insurance companies aren’t always the cheapest.
How much is car insurance in Corpus Christi?
The average cost of car insurance in Corpus Christi is $178 per month, according to Compare.com data. Drivers pay $124 per month for liability insurance and $231 per month for full coverage.
How much car insurance is required in Texas?
Drivers in Texas must have at least $30,000 of bodily injury liability coverage per person, $60,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability coverage per accident.
What happens if you get caught driving without insurance in Corpus Christi?
If you get caught driving without insurance in Corpus Christi, you could face fines between $175 and $350 and a license renewal fee of $250 per year for three years. You also will likely have to file an SR-22 form.
Repeated offenses will result in higher fees between $350 and $1,000, potential suspension of your vehicle registration and driver’s license, and authorities may even impound your vehicle for up to six months.
What company has the cheapest full-coverage car insurance in Texas?
State Farm has the cheapest full-coverage car insurance in Texas, according to Compare.com data, with an average rate of $64 per month.
Data Methodology:
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Sources:
- Texas Demographics, “Texas Cities by Population,” accessed May 16, 2024.
- Texas Department of Insurance, “Shopping for auto insurance: What to know before you buy a policy,” Accessed May 16, 2024.
- Centers for Disease Control and Prevention, “Risk Factors for Teen Drivers,” accessed May 16, 2024.
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