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How much is car insurance in Corpus Christi?
|Area||Average Monthly Car Insurance Premium|
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.
When stacked up against the national average, the average monthly policy payment for Corpus Christi is more affordable. It's about $20 cheaper than the national average to insure your vehicle in Corpus Christi.
Keep in mind that while these are the average car insurance rates for Corpus Christi, it isn't guaranteed that it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Corpus Christi residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Corpus Christi drivers may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Corpus Christi, although women do pay a bit less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Corpus Christi, a driving record with a single accident will usually get you a rate around $79 a month. Likewise, drivers with one ticket will be looking at a rate of around $67 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$56|
If you look at the first table above, the cheapest vehicles to insure in Corpus Christi are typically trucks and vans, at $56 per month.
SUV drivers will see rates of about $59 for car insurance, while car owners by and large pay around $63 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Corpus Christi are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
More often than not, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Corpus Christi reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Corpus Christi. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Corpus Christi, TX
Recent trends in car insurance for Corpus Christi drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The cost of car insurance coverage in Corpus Christi increased from 2017-2018, before leveling out in 2019. Car insurance rates finished down in 2022, at $60 per month
How does Corpus Christi compare to neighboring areas?
Why are car insurance rates in Corpus Christi different from other areas?
Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Local crime rates
- Total number of drivers in the area
- Local regulations
- Availability of off-street parking
- Road Safety (frequency of local car accidents)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Corpus Christi?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Corpus Christi.
Corpus Christi Insurance FAQs
What factors affect car insurance quotes in Corpus Christi?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Corpus Christi different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Corpus Christi?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Corpus Christi?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Corpus Christi or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.