Car insurance Corpus Christi, Texas, rates are average when compared to the rest of the state. However, there are methods you can use to find even more affordable insurance rates.
Car Insurance Requirements in Corpus Christi, Texas
Auto insurance is a requirement in Corpus Christi, Texas. All Texas drivers must have a minimum of the following coverages:
- $30000 bodily injury liability per person
- $60000 bodily injury liability per accident
- $25000 property damage liability per accident
Additionally, all Texas drivers are required to have proof of insurance. You must provide proof of insurance if an officer requests it, when you are renewing your registration, and if you're in a car accident.
How Much is Car Insurance in Corpus Christi Texas?
Car insurance in Corpus Christi, Texas, is higher than the state's average but lower than the national average rate. According to The Zebra, the average cost of car insurance in Corpus Christi is $1416 per year. This is in comparison to the state's average of $1415 per year, and the national average of $1548 per year. Car insurance in Corpus Christi, Texas, can be expensive for a few reasons:
- Rainy weather: Corpus Christi, Texas, is in a subtropical area that is prone to a lot of rain. This can lead to flooding and vehicle damage.
- Bad roads: Corpus Christi is known for having a lot of poorly maintained roads. A lot of roads in the area are in need of repairs or improvements.
- High traffic: Corpus Christi also has a lot of traffic. Drivers spend more time on the road, which usually increases the number of insurance claims.
- High occurrence of moving violations: Corpus Christi also has a high rate of drivers with traffic violations, like speeding tickets and reckless driving.
Even if you live in Corpus Christi, Texas, and are subject to these risks, you can still find ways to save on your insurance rates.
How to Choose the Best Insurance in Corpus Christi, Texas
There are a lot of factors to consider when choosing the best insurance provider in Corpus Christi, Texas, including:
- Provider credibility
- Satisfaction ratings
- Price of minimum and full coverage
- Discounts available
Additionally, while one provider may offer the best rates for one driver, it may be higher for another driver. It is important to shop around and request quotes from multiple providers to find the best one for you. You will also want to consider:
- Your driving record
- Your location
- The vehicle make and model you drive
- The number of miles you commute
Insurance companies use these factors to calculate your rates. However, different providers weigh each one differently.
Top Insurance Companies in Corpus Christi, Texas
Here are a few top insurance companies to consider in the Corpus Christi, Texas, area:
- USAA: Average annual rate of $1196
- GEICO: Average annual rate of $1237
- State Farm: Average annual rate of $1273
- Allstate: Average annual rate of $2361
Other car insurance companies that you might consider in the area include 21st Century, AAA, AFI, Access, Bristol West, Direct Auto, Falcon, and Farmers Insurance. These just a few of the providers to consider. To get the best rates, it is best to request and compare price quotes between a few different insurance providers.
How Age Affects Your Corpus Christi, Texas, Insurance Rates
Your age is an important factor when calculating insurance rates. Insurance providers consider newer, or younger, drivers to be a higher risk. 16-year-old drivers will pay significantly more each year for insurance than drivers that are 20 years and older. Additionally, insurance rates will steadily decrease as a driver gets older.
How Traffic Violations Affect Your Insurance Rates
Traffic violations also have a big effect on your insurance rates. The biggest increases to your rates occur with at-fault accidents, DWIs, reckless driving, and speeding tickets. Drivers with a clean driving record will usually receive the best rates. A reckless driving charge can increase your rates by as much as $763 per year and a speeding ticket by as much as $120 per year.
How Credit Score Affects Your Insurance Rates
Your credit rating may also be considered when calculating your insurance rates. Insurance companies consider drivers with a good credit score to be more reliable and less risky. According to Insurify, improving your credit score from a Very Poor tier to an Exceptional tier can reduce your insurance by as much as a 61 percent decrease in rates.
How Your Location Affects Your Insurance Rates
Even your location within Corpus Christi, Texas, can affect your insurance rates. Some areas with the city have more traffic and higher theft rates, which leads to higher rates. Here are some of the most expensive zip codes in Corpus Christi, Texas:
- 78416
- 78414
- 78409
- 78419
- 78401
This also means that some areas with the city are also cheaper. Here are some of the cheapest zip codes:
- 78404
- 78411
- 78406
- 78413
- 78407
You may be able to offset some of these costs by parking your vehicle in a more secure location or equipping it with an anti-theft device. Some drivers may also reduce their commuting distances.
How to Get the Best Insurance Rates in Corpus Christi, Texas
Taking advantage of discounts is one of the best ways to reduce your insurance costs. Here are a few discounts that may be available:
- Safe driving discount: Avoiding tickets or at-fault accidents is one of the best ways to save on your insurance rates.
- Good student discounts: Earning good grades in school can earn you discounts too.
- Military discount: Many insurance providers in Texas offer discounts to active and veteran military members.
- Multi-vehicle discounts: If you or others in your household have multiple vehicles, combining them onto one policy can usually qualify you for a multi-vehicle discount.
It is always a good idea to check with your provider if they offer any discounts. Combining multiple discounts can provide you with a more affordable insurance policy.
Car insurance in Corpus Christ, Texas, is average when compared to the rest of the state. You can reduce your rates even further by comparing quotes among providers.
Check this out if you need additional information, resources, or guidance on car insurance.
Sources:
Corpus Christi, TX Car Insurance I thezebra.com
Cheap Auto Insurance Quotes in Omaha, NE (2021) I insurify.com
Insurance Comparison by State: Everything You Need to Know I caranddriver.com
All Drivers Insurance: Everything You Need to Know I caranddriver.com
Hearst Autos Research
Hearst Autos Research, produced independently of the Car and Driver Editorial staff, provides articles about cars and the automotive industry to help readers make informed purchasing choices.
