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How much is car insurance in Corpus Christi?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $5 a month cheaper to insure your vehicle in Corpus Christi than it is in the rest of Texas.
Likewise, the expected monthly payments for an auto insurance policy in Corpus Christi are below the national average. Car insurance rates for the United States as a whole are, on average, $21 more expensive than the rates you'd pay in Corpus Christi.
While these are the average monthly costs for auto insurance coverage in Corpus Christi, you could end up paying something different. There are a number of factors that determine how much insurance companies might 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.
But worry not, we've done the heavy lifting and broken down the average rate for Corpus Christi to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates begin to increase again in Corpus Christi.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. Male and female drivers in Corpus Christi, however, both pay around $59 per month to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Corpus Christi, a driving record with a single accident will usually get you a rate around $76 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $76.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$55|
If you look at the first table above, the cheapest vehicles to insure in Corpus Christi are by and large trucks and vans, at $53 per month.
SUV drivers will see rates of about $56 for car insurance, while car owners usually pay around $61 a month.
Your rates can also vary depending on how old your vehicle is. Overall, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Corpus Christi, for example, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Overall, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Corpus Christi can be as much as $10 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Another factor taken into consideration is your housing status. 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. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Corpus Christi, TX
Recent trends in car insurance for Corpus Christi drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when you're choosing when and where to shop.
The cost of car insurance in Corpus Christi rose from 2016-2018, before steadying out in 2019. Car insurance rates finished up in 2021, at $66 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 take in several factors when figuring out how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Total number of drivers in the region
- Frequency of car accidents
- Regional laws
- Off-street parking access
- Rate of crime
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Corpus Christi?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But wait! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing plans in Corpus Christi.
Corpus Christi Insurance FAQs
What factors affect car insurance quotes in Corpus Christi?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Corpus Christi different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Corpus Christi or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.