The Cheapest Auto Insurance in Corpus Christi, TX in 2025
Rates for liability coverage cost an average of $131 per month in Corpus Christi, but several factors affect what you pay.
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Written byDanny Smith
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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Table of contents
Corpus Christi drivers pay an average of $180 per month for car insurance, according to our research — compared to the Texas state average of $179. We found that you can expect to pay an average of $131 per month for liability coverage and $229 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. For many Corpus Christi drivers, State Farm offers the lowest average rates for car insurance, but companies like GEICO and Allstate are also great options.
This guide will explore the best and cheapest car insurance companies in Corpus Christi for all kinds of drivers.
Quick Facts
State Farm is the cheapest car insurance company in Corpus Christi, with average monthly rates starting as low as $39.
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.
How Much is Car Insurance in Corpus Christi, TX?
Location ▲▼ | Average Monthly Premium: Liability Insurance ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Corpus Christi | $131 | $229 | $180 |
| Texas | $122 | $235 | $179 |
| National average | $107 | $198 | $153 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The average cost of car insurance in Corpus Christi is $180 per month, according to Compare.com data — significantly higher than the national average of $153. The average driver in the city pays $131 per month for liability-only policies and $229 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 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 $180 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 cheapest car insurance companies in Corpus Christi and their average monthly premiums, according to Compare.com data.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $39 |
| GEICO | $43 |
| Allstate | $55 |
| Mile Auto | $60 |
| USAA | $70 |
| Nationwide | $88 |
| Mercury | $91 |
| Root | $91 |
| Progressive | $111 |
| Safeco | $114 |
| Dairyland | $115 |
| Chubb | $120 |
| National General | $131 |
| Clearcover | $131 |
| Direct Auto | $134 |
| The General | $135 |
| 21st Century | $138 |
| Bristol West | $138 |
| AssuranceAmerica | $141 |
| Commonwealth Casualty | $142 |
| Elephant | $154 |
| GAINSCO | $171 |
| Liberty Mutual | $220 |
| Foremost | $228 |
| State Auto | $264 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm leads the way with an average monthly premium of just $39. 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.
The Best Auto Insurance Companies for Corpus Christi Drivers
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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 some of the cheapest car insurance policies of any insurer in Corpus Christi, according to our research. Not only is State Farm an affordable option for many area drivers, 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 Liability Insurance Companies
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 chart below showcases the cheapest car insurance companies for liability insurance in Corpus Christi, according to Compare.com data.
Average Liability Rates by Company
Category ▲▼ | Price ▲▼ |
|---|---|
| State Farm | 39 |
| GEICO | 43 |
| Allstate | 55 |
| Mile Auto | 60 |
| USAA | 70 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
While these companies are typically great options if you want basic coverage, they may not be the cheapest if your lender requires you to add comprehensive and collision coverages to your policy.
With that in mind, let’s take a look at which insurers are currently offering the best full-coverage rates in Corpus Christi.
Cheapest Companies for Full-Coverage Insurance
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 chart below highlights the cheapest car insurance companies in Corpus Christi for full coverage, according to our data.
Average Full-Coverage Rates by Company
Category ▲▼ | Price ▲▼ |
|---|---|
| State Farm | 70 |
| GEICO | 76 |
| Allstate | 100 |
| Mile Auto | 120 |
| USAA | 126 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Keep in mind that these companies may not always be the cheapest options for every driver. After all, several personal factors affect what you pay for car insurance, including your age and driving record.
That said, let’s dig a little deeper into average rates for different types of drivers in Corpus Christi.
Compare Corpus Christi Auto Insurance Rates by Driving Record
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Your driving record has a significant effect on your car insurance rates. Insurance companies use it to determine how safe 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, so they'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 | $180 | State Farm | $39 |
| Speeding ticket | $245 | State Farm | $49 |
| At-fault accident | $259 | State Farm | $52 |
| DUI | $295 | State Farm | $64 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Let’s take a look at how different driving infractions can affect your rates in Corpus Christi.
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.
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 $52 per month.
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 an 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.
Compare Corpus Christi Auto Insurance Rates by Age
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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 | $338 | State Farm | $71 |
| 40s | $163 | State Farm | $36 |
| 60s | $142 | State Farm | $29 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
In the following sections, we’ll discuss the cost of car insurance for teenagers and senior drivers in Corpus Christi.
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 $71.
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 $29.
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.
How to Get Cheaper Car Insurance in Corpus Christi
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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.
State Farm has the cheapest car insurance in Corpus Christi, with an average premium of $39 per month, according to Compare.com data. But keep in mind that the best car insurance companies aren’t always the cheapest.
The average cost of car insurance in Corpus Christi is $180 per month, according to Compare.com data. Drivers pay $131 per month for liability insurance and $229 per month for full coverage.
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.
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.State Farm has the cheapest full-coverage car insurance in Texas, according to Compare.com data, with an average rate of $70 per month.
Sources
Texas Demographics, “Texas Cities by Population,” accessed December 12, 2024.
Texas Department of Insurance, “Shopping for auto insurance: What to know before you buy a policy,” Accessed December 12, 2024.
Centers for Disease Control and Prevention, “Risk Factors for Teen Drivers,” accessed December 12, 2024.
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.
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Danny SmithInsurance Writer
Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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