Corpus Christi, TX Car Insurance

How does Corpus Christi compare to the surrounding area and the rest of Texas? How much can residents of Corpus Christi expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Corpus Christi?

According to the chart above, the average cost of auto insurance in Texas is about $4 a month more expensive than it is in Corpus Christi.

Drivers relocating from out of state may enjoy some cost savings in Corpus Christi. You can expect to pay about $19 less for your policy in Corpus Christi than in the rest of U.S.

While these numbers are the average rates for auto insurance in Corpus Christi, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've analyzed the average rate for Corpus Christi and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Corpus Christi Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Corpus Christi drivers may see their rates begin to go back up once they hit retirement.

Corpus Christi Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. While female drivers pay a little bit less than male drivers on their monthly auto coverage, the difference in Corpus Christi is only about $2 a month.

Corpus Christi Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. The rate for drivers in Corpus Christi with a single accident on their record is about $78 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $74 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Corpus Christi Insurance Rates by Vehicle

If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Corpus Christi, with drivers paying around $56 per month for insurance coverage.

SUV drivers will see rates of about $59 for car insurance coverage, while car owners by and large pay around $63 per month.

Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In Corpus Christi, the most expensive vehicles to insure are vehicles less than one year old.

Corpus Christi Car Insurance Rates by Relationship Status

Generally speaking, married policyholders will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Corpus Christi is no exception, with the difference totaling to around $11 a month.

Corpus Christi Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing situation. In Corpus Christi, homeowners can expect to pay around $7 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Corpus Christi, TX

Recent trends in car insurance for Corpus Christi drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

The cost of insurance in Corpus Christi went up from 2017-2018, before leveling out in 2019. Insurance rates finished down in 2022, at $64 a month

How does Corpus Christi compare to neighboring areas?

Why are car insurance rates in Corpus Christi different from other areas?

Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:

• Amount of off-street parking
• Local crime rates
• Number of drivers
• Community regulations
• Road Safety (frequency of local car accidents)

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Corpus Christi?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But wait! Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Corpus Christi in no time.

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Corpus Christi Auto Insurance FAQs

What factors affect car insurance quotes in Corpus Christi?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Corpus Christi different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Corpus Christi?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Corpus Christi?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Corpus Christi or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?