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Cheapest car insurance in Corpus Christi, Texas (Nov 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Corpus Christi, Texas.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance quotes in Corpus Christi

In the city of Corpus Christi, the typical monthly expense for a basic liability
car insurance
policy hovers around $89, while a comprehensive full coverage insurance plan comes in at approximately $188.
Many smart car insurance shoppers in Corpus Christi, Texas, often use the trusted Jerry Insurance Agency to easily compare prices and get the best coverage. To prove it, here are some of the cheapest car insurance quotes that
Jerry
has found for our valued customers in Corpus Christi.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$108
Ann, 40
Zip: 78408
KIA Optima Hybrid
• State Minimum Liability
Safeco
$235
Abbie, 66
Zip: 78405
Chevrolet Silverado K1500 LT Trail Boss
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$157
Mark, 31
Zip: 78404
Toyota Yaris IA
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$379
Harriett, 24
Zip: 78412
Infiniti G37
• 50,000/100,000 Liability
• Comp / Collision
National General
$123
Jeremy, 65
Zip: 78415
Chrysler 300 Touring
• State Minimum Liability
coverageLast Updated Nov 17, 2024

Cheapest Corpus Christi car insurance for good drivers

Your insurance costs depend on things like your driving history, age, where you live, any past claims you've made, and the type of vehicle you have. Even though you can't control most of these factors, you can still be a responsible driver and maintain a clean driving record.
In Corpus Christi, if you're a safe driver, you could save as much as 40% on your insurance. With Jerry's DriveShield™, you can monitor your driving habits and qualify for discounts based on your safe driving. Find out how other drivers are using DriveShield™ to cut down on their insurance expenses below.
Customer
Driving Score
Insurance Savings
Has Violations
Insurance Coverage
Manuel, 25
76
22%
No
  • 50/100
  • Comp/Collision
Megan, 34
93
34%
No
  • 50/100
  • Comp/Collision
Michael, 43
98
33%
No
  • 50/100
  • Comp/Collision
Isabel, 51
72
25%
No
  • State Minimum Liability
  • Comp/Collision
Ethan, 64
70
21%
No
  • State Minimum Liability
  • Minimum Coverage

Best car insurance companies in Corpus Christi

Not all drivers should go with the same car insurance company. This is because each person gets different
car insurance quotes
based on their details, so the most budget-friendly option varies for everyone. Price is essential, but you should also think about how well a company handles claims and treats its customers.
Jerry recently did a huge survey across the country to help drivers compare the cheapest car insurance companies. Even though popular companies like GEICO and State Farm had mixed feedback about policy costs and customer service, smaller insurers like Aspire Advantage and National General got the best ratings from real customers.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
4
3.8
4.3
USAA
4.2
3.3
4.4
4.3
State Farm
3.9
3.4
3.7
4
Geico
3.9
3.1
4.2
4.1
Liberty Mutual
3.3
2.6
N/A
3.2
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Corpus Christi

In Texas, there's a rule that says you must have at least a certain amount of car insurance, known as minimum liability insurance, to get the best rates in Corpus Christi. However, just having the minimum might not be sufficient. It's a good idea to think about getting full coverage to make sure your insurance can help pay for fixing or replacing your car if needed.

Cheap minimum liability insurance quotes in Corpus Christi

To drive legally in Corpus Christi, you have to meet
Texas' minimum insurance requirements
for
bodily injury liability
and
property damage liability
. These are the amounts you need:
  • $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
People often refer to this type of coverage as "30/60/25 insurance." With this basic liability coverage, you're covered up to these limits if you're responsible for injuries or damage to someone else's property while driving. Jerry makes it easy for Corpus Christi drivers to find affordable insurance that meets these minimum requirements.
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Ann (40 years old)
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78408)
carKIA Optima Hybrid
$108
per month
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Donald (33 years old)
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78414)
carRAM 1500 Rebel
$103
per month
card cover
Ian (48 years old)
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78402)
carHyundai Elantra GLS
$174
per month
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Stanley (35 years old)
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78415)
carChevrolet Malibu LS
$90
per month
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Clearcover
Shawn (33 years old)
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78412)
carToyota RAV4 LE
$170
per month

Do you need more than minimum coverage in Corpus Christi?

Most drivers in Corpus Christi should think about getting more liability coverage than the basic 30/60/25 required by Texas law. If you cause a crash, you might end up having to pay for medical bills and car repairs that go beyond the coverage limits of 30/60/25, especially if the injuries are serious. If the car is completely wrecked, replacing it can cost over $40,000, which is more than the $25,000 property damage limit.
Keep in mind that
Texas law
allows people to file bodily injury and property damage lawsuits for up to two years after a car accident. This means your responsibility doesn't end right after the accident!
To make sure you're financially protected, it's a good idea to consider higher liability coverage like 50/100/50 or 100/300/100, even if you don't choose to get full coverage for your car.

Cheap full coverage car insurance quotes in Corpus Christi

Having
full coverage car insurance
is the best way to make sure you're financially protected when it comes to fixing or replacing your vehicle.
Full coverage typically includes two main parts:
  • Collision coverage
    takes care of the costs for repairing or replacing your car if you're in an accident.
  • Comprehensive coverage
    helps out if your car gets stolen or damaged by something other than a crash, like vandalism, theft, or natural disasters.
If you still owe money on a loan for your car, your bank will likely ask you to have both collision and comprehensive coverage until you've paid off the loan.
In addition to a full-coverage auto insurance policy, you can also choose to get uninsured motorist coverage. This is useful if you get into an accident caused by a driver without insurance, as it can help cover injuries or damage that might not be covered otherwise.
Jerry has been assisting drivers in Corpus Christi and beyond in finding full coverage quotes that are affordable.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$214
Eugenia, 55
Zip: 78414
Hyundai Accent SE
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$235
Abbie, 66
Zip: 78405
Chevrolet Silverado K1500 LT Trail Boss
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$157
Mark, 31
Zip: 78404
Toyota Yaris IA
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$379
Harriett, 24
Zip: 78412
Infiniti G37
• State Minimum Liability
• Comp / Collision
National General
$223
Helena, 55
Zip: 78413
Ford Explorer
coverageLast Updated Nov 17, 2024
The quickest and simplest way to find the most affordable car insurance for the coverage you want is by comparing rates online.
Jerry, a leading insurance agency, has a free app that compares car insurance quotes. It also offers complete service to customers with assistance from over 100 licensed insurance agents.

Average cost of car insurance in Corpus Christi

After looking at many auto insurance companies in Corpus Christi, we found that the typical cost for minimum liability coverage is around $89 per month or $1,066 per year. Also, people in Corpus Christi can anticipate an average of $188 per month or $2,255 per year for full coverage insurance.
Even though knowing average rates is helpful for estimating your own insurance expenses, it's essential to realize that individual car insurance premiums are affected by various factors. These factors can include the type of vehicle you have, your driving history, claims you've made before, and other important details.

Average cost of car insurance in Corpus Christi by zip code

The location you live in, including your ZIP code, can affect how much you pay for insurance. Insurance companies look at things like how many people live there, how many accidents happen, crime rates, and local weather conditions when figuring out the cost of your premium.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
78401
$72
$200
78404
$92
$381
78405
$129
$277
78407
$114
$290
78408
$90
$190
78409
$66
$133
78410
$75
$188
78411
$95
$167
78412
$95
$166
78413
$82
$182
78414
$108
$192
78415
$89
$227
78416
$119
$302
78417
$102
$201
78418
$84
$157
Lower my car insurance too!

Car insurance quotes in Corpus Christi by rating factors 

Insurance companies in Corpus Christi consider several factors when
determining your auto insurance costs
:
  1. Your driving history and claims record: If you've had accidents or violations, you're likely to pay more compared to those with a clean record.
  2. Your personal details: Your age, gender, and whether you're married or not can affect how much you pay for insurance.
  3. Where you live: People in the city often pay more than those in rural areas because cities tend to have higher crime rates and more people.
  4. How much you drive: If you drive a lot each year, your insurance costs may be higher
  5. The type of car you drive: Fancy, sports, or high-performance cars usually cost more to insure because their replacement parts are pricier.
  6. Your credit score: In Texas, a good credit score is linked to lower auto insurance rates, even if you're getting the same coverage as someone with a lower credit score.

How do different factors impact your car insurance costs in Corpus Christi?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Corpus Christi:

Cheap car insurance quotes in Corpus Christi after driving violations

Your driving record in Texas
affects how much you'll pay for car insurance. If insurance companies notice you've got a history of breaking traffic rules, they might see you as a higher risk and charge you more. Some common violations that could make your insurance rates go up include:
  • Speeding
  • DUIs (Driving Under the Influence)
  • Being at fault in an accident
  • Reckless driving
  • Driving when your license is suspended

Cheapest car insurance in Corpus Christi after speeding ticket

Getting a speeding ticket in Corpus Christi, Texas, can lead to an increase in car insurance rates. When you receive a speeding ticket, it signals to the insurance company that you may be more likely to be involved in accidents, prompting them to adjust your rates accordingly. 
Luckily, drivers with speeding tickets are still able to find savings with Jerry. Check out the table below for examples!
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 6-10
Progressive
$162
Fannie, 29
Zip: 78412
Toyota Tacoma Double Cab
• State Minimum Liability
• Comp / Collision
Speeding 11-15
Mercury
$203
Christopher, 35
Zip: 78415
Dodge Charger SE
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
Safeco
$136
Jesse, 26
Zip: 78411
KIA Forte LX
• State Minimum Liability
coverageLast Updated Nov 19, 2024

Cheapest car insurance in Corpus Christi after DUI

Getting a
DUI
in Corpus Christi is a major offense that can result in very high car insurance rates, marking you as a
high-risk driver
. Some companies might even say no to providing you coverage. 
To find a reasonable car insurance rate after a DUI, it's crucial to explore different coverage options and compare prices. Jerry has helped numerous Corpus Christi drivers in finding affordable rates even after a DUI.
card cover
Eugenia (55 years old)
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78414)
carHyundai Accent SE
$214
per month
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Theresa (29 years old)
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78415)
carToyota Camry L
$129
per month

Cheapest car insurance in Corpus Christi after an at-fault accident

One of the biggest things that influence how much you pay for car insurance is your history of accidents or claims. In Texas, if you were at fault in a recent accident, it could lead to much higher insurance rates for you.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$95
Florence, 26
Zip: 78412
Subaru Impreza Premium
• State Minimum Liability
At Fault With No Injury
Nationwide
$174
Mattie, 47
Zip: 78402
Hyundai Elantra GLS
• State Minimum Liability
• Comp / Collision
Not At Fault
Travelers
$216
Walter, 33
Zip: 78414
KIA Soul
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$149
Lula, 31
Zip: 78414
Ford F150
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 23, 2024

Cheapest car insurance in Corpus Christi after other driving violations

Speeding tickets, driving under the influence (DUI), reckless driving, or having a suspended license on your driving record can result in increased car insurance rates from any insurance company in Corpus Christi
Check out this list of various driving violations and see how we've assisted drivers in reducing their car insurance costs after facing these issues.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
Progressive
$108
Cecelia, 28
Zip: 78412
Toyota 4runner Sr5/sr5 Premium
• State Minimum Liability
Wrong Way/Wrong Lane
Gainsco
$225
Sylvia, 26
Zip: 78415
Mitsubishi Mirage G4 ES
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Progressive
$108
William, 28
Zip: 78412
Toyota 4runner Sr5/sr5 Premium
• State Minimum Liability
Improper Passing
Progressive
$268
Alex, 26
Zip: 78411
Volkswagen GTI
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 20, 2024

Cheap car insurance quotes in Corpus Christi by age

Insurance rates are usually highest for young people and seniors. Young drivers often pay more because of their limited driving experience. Rates might go down after turning 25, but it's not a permanent change. Seniors may also notice an increase in insurance rates once they reach their mid-70s.

Cheapest car insurance in Corpus Christi for young drivers

Teenagers
between 16 and 19 years old have to pay the highest insurance rates among all age groups in Corpus Christi. Getting full coverage is a good idea, especially for teens driving newer cars, as they often have more accidents. 
To keep rates low, it's best for teens to stay on their parent's insurance policy. Another excellent option is to use Jerry to find an insurance policy.
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Adam (23 years old)
coverageCoverage
State Minimum
carHyundai Sonata Hybrid
$196
per month
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Nell (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$199
per month
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Austin (24 years old)
coverageCoverage
State Minimum
carDodge Charger SXT
$193
per month
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Stella (24 years old)
coverageCoverage
State Minimum
carInfiniti Q70 3.7
$629
per month

Cheapest car insurance in Corpus Christi for senior drivers

Senior citizens
often face higher car insurance rates for a few reasons. One major factor is that older drivers have a higher likelihood of getting into accidents and are more susceptible to serious injuries if a collision occurs. This leads to considerable medical costs and increased expenses for insurance companies.
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Leon (70 years old)
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78414)
carToyota RAV4 LE
$167
per month
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Abbie (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationCorpus Christi, TX
(Zip Code: 78405)
carChevrolet Silverado K1500 LT Trail Boss
$235
per month
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Mamie (69 years old)
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78413)
carChevrolet Silverado C1500 LT
$112
per month
card cover
Gainsco
Derrick (74 years old)
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78411)
carNissan Pathfinder S
$113
per month
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Jeremy (65 years old)
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78415)
carChrysler 300 Touring
$123
per month

Cheap car insurance quotes in Corpus Christi based on insurance history

Just like your driving record and claims history, your insurance history is an important factor for insurance companies. They look at how long you've been insured and if you've had any breaks in coverage. If you've had
lapses in coverage
recently or in the past, your car insurance rates might be higher. 
The good news is that Jerry can assist customers in finding savings on car insurance, no matter their insured status.
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Andrew (33 years old)
Currently Insured
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78417)
carDodge Dart SXT
$97
per month
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Bruce (40 years old)
Currently Insured
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78418)
carChevrolet Silverado C1500 LT
$149
per month
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Birdie (37 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCorpus Christi, TX
(Zip Code: 78418)
carHonda Pilot EXL
$88
per month
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Marguerite (31 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCorpus Christi, TX
(Zip Code: 78414)
carMercedes-Benz ML 350 4matic
$264
per month
card cover
Gainsco
Elva (26 years old)
Currently Insured
coverageCoverage
State Minimum
locationCorpus Christi, TX
(Zip Code: 78409)
carChevrolet Spark LS
$105
per month

Cheap car insurance quotes in for drivers with poor credit

People with low
credit-based insurance scores
often have to pay more for insurance compared to those with better credit. Even though how well you drive isn't directly linked to your credit score, insurance companies have noticed a connection between bad credit scores and a higher likelihood of filing claims. 
In general, if you have an excellent credit score (over 750), you might pay around 20% less for car insurance than someone with a lower score (below 550).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$117
Roy, 48
Zip: 78418
Lexus IS 350 F-Sport
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Allstate
$88
Ethel, 37
Zip: 78418
Honda Pilot EXL
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Safeco
$149
Mamie, 40
Zip: 78418
Chevrolet Silverado C1500 LT
• State Minimum Liability
• Comp / Collision
550 - 659
Mercury
$168
Willie, 28
Zip: 78413
Toyota Prius
• State Minimum Liability
• Comp / Collision
< 550
Gainsco
$136
Nora, 26
Zip: 78413
Nissan Juke S
• State Minimum Liability
coverageLast Updated Nov 23, 2024

How to lower car insurance costs in Corpus Christi

1. Shop around and compare quotes

Insurance companies each have their own rules for deciding how much you pay, and these rules are always changing. To make sure you get the cheapest car insurance, experts suggest comparing quotes from at least three companies and checking for new rates every six months.
Jerry makes this usually tedious process easy! In just 45 seconds, Jerry can gather quotes from a pool of 55+ top insurance providers to help you find the best auto insurance coverage at the best price. And the best part? Jerry provides this service for free!

2. Hunt for car insurance discounts

Each insurance company provides a range of
car insurance discounts
, but the specific discount offered varies between companies. Some common discounts include:
  • Good driver discounts: You can often get a discount if you’ve stayed accident- and violation-free for at least three to five years. 
  • Telematics discounts: Many companies offer easy-to-get discounts for drivers who use telematics to track their driving habits. You might even qualify for a discount just by signing up!
  • Good student discounts: If you're a full-time student in high school or college with a B average or better, you likely qualify for a discount from your insurance company.
  • Bundling discounts: If you
    bundle your home and auto insurance
    (or auto and renters) with the same company, you could receive a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you have full coverage car insurance, raising your deductible is a simple way to keep your monthly costs down without giving up coverage.

FAQ

How much is car insurance in Corpus Christi?

People living in Corpus Christi pay on average $89 per month – or $1,066 per year – on state-minimum liability coverage. Full coverage in Corpus Christi costs on average $188 per month or $2,255 per year.

What is the cheapest car insurance in Corpus Christi?

According to Jerry's experience with thousands of drivers in Corpus Christi, car insurance in the city averages $89 per month for minimum coverage.

What is the best car insurance in Corpus Christi?

While finding the right coverage at the best price is crucial, customer service can also influence your choice of insurance company. According to the largest car insurance survey in the nation conducted by Jerry, Amica and Direct Auto receive positive ratings from drivers in Corpus Christi.

What is the minimum car insurance in Corpus Christi, Texas?

The minimum car insurance required in Corpus Christi, Texas includes $30,000 for bodily injury liability per person, $60,000 per accident, and $25,000 for property damage. People often call this coverage 30/60/25.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.