The best car insurance in Corpus Christi, TX

By

Lena Borrelli

Lena Borrelli

Insurance Expert

Lena Borrelli is a freelance contributor at Policygenius. With a diverse professional background, Lena spent time in finance, web marketing, and hospitality before settling into full-time life as a freelance writer.

Published October 26, 2021

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The average cost of full coverage car insurance in Texas is $1,840, but in Corpus Christi, drivers tend to pay more, with an average premium of $1,903 per year. With many Texas drivers paying rates above the national average, it's important to shop around for the cheapest car insurance.

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Key Takeaways

  • The cheapest car insurance company in Corpus Christi is Texas Farm Bureau at an average cost of $1,108 per year

  • Germania Insurance has the lowest average rate for drivers with bad credit, at $2,251 per year

  • Drivers in Corpus Christi must carry a minimum of $30,000 bodily injury liability for each injured person, $60,000 bodily injury liability per accident, and $25,000 for property damage liability per accident

Cheapest car insurance companies in Corpus Christi, TX

Many car insurance companies are available in Corpus Christi, but they may calculate car insurance premiums differently. Car insurance companies use a series of factors to calculate the cost of your insurance premium. This can include the coverage you choose, any discounts that apply to your policy, your driver’s history, and how frequently you drive.

Based on these factors and more, these are the cheapest car insurance companies in Corpus Christi.

Company

Average cost

JD Power Rating

Texas Farm Bureau

$1,108

--

Germania Insurance

$1,139

--

State Farm

$1,188

881

GEICO

$1,358

871

USAA

$1,488

890

Cheapest car insurance rates by ZIP code in Corpus Christi, TX

The level of crime in your neighborhood is a major factor that insurers consider when pricing your insurance policy. Your car insurance provider will look at crime levels within your neighborhood, such as for theft and vandalism, and they may impact the cost of your car insurance.

Another major consideration is how weather can affect your area and, more specifically, your ZIP code. Lower-lying areas of Corpus Christi can be more susceptible to flooding, increasing the risk of damage to your vehicle.

These are the average rates of car insurance by ZIP code in Corpus Christi.

ZIP code

Average cost

78401

$1,918

78402

$1,879

78404

$1,891

78405

$1,892

78406

$1,880

78407

$1,919

78408

$1,902

78409

$1,879

Choosing the right car insurance company in Corpus Christi, TX

The average cost of car insurance in Corpus Christi is $1,903, but the cost of your car insurance can vary significantly when choosing a car insurance company for your policy. Corpus Christi drivers may want to consider special types of car insurance coverage, like flood insurance for the area’s storms and hurricanes. Discounts are also an important consideration, with many companies offering signature discount programs, like Allstate’s Drivewise or Nationwide’s SmartRide programs. Many providers also offer additional features and add-ons, like roadside assistance coverage and rental car reimbursement. If you need help, Policygenius can help you compare options and choose the right car insurance for your situation.

Car insurance rates for drivers with driving violations in Corpus Christi, TX

Your driving record is a significant factor in determining the cost of your car insurance policy. When a car insurance company sees certain behaviors on your record, you are likely to face higher rates for your insurance premium. For example, getting a policy if you’ve had a DUI can cost over $5,300 when you choose Texas Farm Bureau for your car insurance, while drivers with a hit-and-run on their record could pay over $2,300 with USAA. These are significant increases from the average cost of Corpus Christi insurance, which is $1,903 per year.

Violation

Texas Farm Bureau

Germania Insurance

State Farm

GEICO

USAA

At-fault Accident

$1,944

$1,589

$1,434

$2,163

$2,400

DUI

$5,329

$2,730

$1,949

$2,398

$2,371

Driving with a suspended license

$1,997

$2,159

$1,692

$2,398

$2,199

Driving with an open container

$5,329

$1,221

$1,847

$2,398

$1,796

Driving with expired registration

$1,219

$1,221

$1,203

$1,610

$1,796

Driving without Lights

$1,219

$1,221

$1,203

$1,610

$1,796

Failure to show documents

$1,219

$1,221

$1,203

$1,610

$1,796

Failure to stop at a red light

$1,219

$1,221

$1,203

$1,610

$1,796

Cheapest car insurance for drivers with bad credit in Corpus Christi, TX

Drivers with bad credit typically pay more for car insurance. When you have bad credit, car insurance companies may worry that payments will not always be made on time. Drivers with excellent credit typically show a history of timely payments, which can help an insurer feel confident that the person will pay the car insurance premiums.

Additionally, drivers with good credit are generally believed to have a lower likelihood of an accident and a resulting claim. Insurers may fear that drivers with bad credit could engage in more dangerous behaviors, like speeding or being involved in an accident, thus increasing risk to the insurer.

Company

Rates for drivers with bad credit

Germania Insurance

$2,251

State Farm

$2,460

Auto Club Group

$2,670

USAA

$2,762

Texas Farm Bureau

$2,763

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Buying car insurance in Corpus Christi, TX

Texas is an at-fault state, which means that the party causing the accident is responsible for paying the damages for both parties involved. Some states, known as no-fault states, may only require you to pay for your own damages, but in Texas, you assume liability for all parties when you are the one found at fault. According to Texas’ Modified Comparative Negligence law, involved parties may not seek compensation if they are found more than 51% responsible for the accident.

Drivers in Corpus Christi are required by law to purchase a minimum amount of car insurance. This includes 30/60/25 coverage, which requires:

  • $30,000 bodily injury liability for each injured person

  • $60,000 bodily injury liability per accident

  • $25,000 for property damage liability per accident 

However, it is always a good idea to buy more than just the required amount of insurance to ensure you are not financially at risk should you experience a major loss. Texas especially struggles with drunk driving and other reckless behaviors that can make Corpus Christi roads very dangerous. Adequate car insurance can help protect you far more than minimum liability coverage if you happen to be involved in a major accident.

How to get cheap car insurance in Corpus Christi, TX

There are several ways to save money and lower the cost of your car insurance:

  • Discounts: Earn car insurance discounts when you have safety devices, drive safely, or have low mileage.

  • Payment rewards: Your insurer may reward you when you pay in full, renew your policy early, or enroll in paperless statements.

  • Lifestyle: There are often student and military discounts that can lower your premium.

  • Multiple policies: Bundle your auto and home insurance with the same provider.

Always be sure to shop and compare quotes from multiple providers, so you can be sure to find the best car insurance at the cheapest price.

Frequently asked questions

Which car insurance company is cheapest in Corpus Christi?

Based on average rates, Texas Farm Bureau is the cheapest car insurance company in Corpus Christi at $1,108 per year. However, the cheapest company for you may be different based on your unique needs.

How much car insurance do I need in Corpus Christi?

Drivers must purchase a minimum amount of car insurance to drive in Corpus Christi, including $30,000 of bodily injury liability for each injured person, $60,000 of bodily injury liability per accident, and $25,000 for property damage liability per accident.

How much does Corpus Christi car insurance cost?

The average cost of car insurance in Corpus Christi is $1,903 per year, more expensive than the average cost of car insurance in Texas, which is $1,840 per year. However, car insurance costs are based on a series of personalized factors, so it’s important to shop around.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.