If you are getting ready to purchase auto insurance in Corpus Christi, Texas it may be worth your while to research the insurance options in the city. The city’s average insurance rates for minimum coverage are $ 594 per year and $ 1,806 per year for full coverage.
Corpus Christi has the seventh highest accident rate in Texas. In 2019, the Texas Department of Transportation reported 8,185 accidents – that’s one in every 40 residents. The main culprit: speeding. One in four of the road fatalities in the province are speed related.
There are plenty of auto insurance options in Texas, and understanding the choices in Corpus Christi can help you make an informed decision about your auto insurance policy.
Best Auto Insurance Companies in Corpus Christi
To best car insurance companies in Corpus Christi, we compared characteristics such as coverage and policy options, pricing, available discounts and quality of service. With those factors in mind, five companies were selected as the best options in town.
|Insurance company||JD power score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||846/1000||$ 484||$ 1,314|
|State farm||844/1000||$ 601||$ 1,406|
|Allstate||832/1000||$ 585||$ 1,702|
|Rural||820/1000||$ 571||$ 1,526|
|USAA||878/1000||$ 432||$ 1,302|
Geico offers low cost auto insurance in Corpus Christi by exceeding industry standards for both affordability and service. Rates are among the lowest in the city: averaging $ 484 per year for minimum coverage and $ 1,314 per year for full coverage. Texas drivers named Geico one of the top customer satisfaction companies in the 2020 JD Power US Auto Insurance Study.
There are a few reasons why customers love Geico. The provider offers enough discountsgiving policyholders the opportunity to save even more. Drivers can also take advantage of 24/7 customer service and a handy mobile app.
While State Farm minimum cover prices are slightly higher than the city average, affordable full coverage premiums make this a great choice for drivers who want extra protection. For $ 1,406 a year for full coverage, State farm is a good choice for those looking for more robust insurance.
State Farm is also popular among its Texas customers. The company is in the top five in customer satisfaction according to the 2020 JD Power US Auto Insurance Study.
Allstate has a strong community presence in Corpus Christi, with 16 local agents operate from offices in the city. Since these agents are experts in the area, they can be invaluable in making sure your coverage meets your needs.
In terms of pricing, Allstate’s premiums are below average for Corpus Christi. Allstate also ranks above the industry average for claims satisfaction in the 2020 JD Power US Auto Claims Satisfaction Survey
The $ 1,526 average full coverage rate across the country is a particularly good deal in Corpus Christi, where the average full coverage premium is $ 1,806. Combine this with one or more discounts such as safe driving, automatic payment or being a good student and you can save even more.
If you don’t have a long daily commute, you may want to check out Nationwide’s SmartMiles program, which allows you to adapt your insurance to the number of kilometers you drive. Rather than a flat premium, your monthly insurance costs are based on the number of miles you have actually driven, in addition to other factors such as the type of car you drive and your accident history.
USAA only sells insurance products to the past and present military members and their families. Average rates for minimum coverage are $ 432 per year, while full coverage costs just $ 1,302 per year. Both are well below Corpus Christi’s average cost for auto insurance.
USAA is also praised for treating its customers well. The company consistently gets high scores from JD Power.
Cheapest car insurance in Corpus Christi
Auto insurance in Corpus Christi is slightly higher than the national average, at $ 594 per year for minimum coverage and $ 1,806 per year for full coverage. The National average for auto insurance premiums, it is $ 565 per year for minimum coverage and $ 1,674 per year for full coverage.
There are several options for this cheap car insurance in Corpus Christi. For example, if you’re a former or current military member, USAA’s rates are well below the city average, with both the lowest average annual minimum coverage premium and the lowest annual full coverage premium. Even if you’re not in the military, you can get cheaper than average coverage from other companies, including Geico, Nationwide, and Mercury.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|USAA||$ 432||$ 1,302|
|Geico||$ 484||$ 1,314|
|Rural||$ 571||$ 1,526|
|Mercury||$ 572||$ 1675|
|Allstate||$ 585||$ 1,702|
Insurance Requirements Corpus Christi
All drivers in Texas must carry 30/60/25 coverage, which equates to $ 30,000 per person and $ 60,000 per accident in personal injury liability and $ 25,000 in property damage liability.
Insurers are also required to provide personal injury protection (PIP) and uninsured / underinsured motorist coverage to any driver seeking an auto insurance quote. Drivers may request in writing to deny these coverages, but it may be advisable to speak with an agent first about the pros and cons of these options.
Discount on auto insurance in Corpus Christi
Most insurers offer discounts that can save you money on your policy. Here are some common discounts for Corpus Christi drivers:
- Discount for safe driving: If you have no accidents or tickets for a certain number of years, you may qualify for a safe driving discount.
- Military discounts: If you are in the military, companies can lower your premium.
- Good student discounts: If you are a student or if you insure a student on your policy, you may be eligible for a reduction in your premium if you or your student has a high GPA.
- Discounts for multiple vehicles: If you insure more than one car with the same company, you may be eligible for this discount.
- Discounts bundling policy: This discount is often available to those who buy more than one type of insurance from the same company, such as home and car insurance.
Frequently Asked Questions
What Is The Best Car Insurance Company?
The best car insurance company will be different for each driver. Companies look at factors such as your driving history, vehicle type, and coverage choices to assess your policy. In addition, every driver has a different set of requirements in a company. For example, one driver wants a company with many online functions, while another driver is simply looking for the lowest price. One way to find the right coverage for you is to get quotes from multiple providers so you can compare costs, features, and discount options.
How much does car insurance cost in Corpus Christi?
The average annual cost of auto insurance in Corpus Christi is $ 594 for minimum coverage and $ 1,806 for full coverage, which is only slightly higher than the national average costs
How Much Car Insurance Do I Need in Corpus Christi?
To legally drive your car in Corpus Christi, you must carry a minimum of $ 30,000 per person and $ 60,000 per accident in personal injury liability, as well as $ 25,000 in property damage liability. A qualified Corpus Christi auto insurance agent can help you choose the right policy.
Bankrate uses Quadrant Information Services to analyze rates for all zip codes and carriers in all 50 states and Washington, DC Rates quoted are based on a 40-year-old male and female driver with clean driving habits, good credit and the following full coverage limits :
- $ 100,000 bodily injury liability per person
- $ 300,000 accidental personal injury liability
- $ 50,000 liability for property damage per accident
- $ 100,000 uninsured motorist bodily injury per person
- $ 300,000 uninsured bodily injury from motorists per accident
- $ 500 collision deductible
- $ 500 full deductible
To determine the minimum coverage limits, Bankrate has used minimum coverage that meets the requirements of each state. Our sample riders have a 2018 Honda Accord, commute five days a week, and drive 12,000 miles annually.
These are sample rates and should be used for comparison purposes only. Your quotes may differ.
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