Updated: May 20, 2024
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The cheapest auto insurance option for you will depend on a variety of factors. For those with at-fault accidents and speeding tickets, teenagers, military personnel, young adults, sports car owners and full coverage, State Farm is the cheapest option. For people with DUIs and poor credit, Mercury is most affordable. If you're a senior, Texas Farm Bureau is the cheapest.
MoneyGeek also ranked Corpus Christi's top auto insurance providers regardless of cost.
CheapestCar InsuranceCorpus ChristiCheapest Car Insurance in Corpus Christi, TX
Why Trust MoneyGeek? We gathered data from the Texas Department of Insurance and Quadrant Information Services in order to evaluate Corpus Christi auto insurance companies.
The most affordable minimum coverage policies are provided by the following Corpus Christi auto insurance providers:
Dairyland is the most expensive provider in the city, charging $1,077 per year for minimum coverage insurance. State Farm also offers the cheapest auto insurance in Texas as of October 2022 at $300 a year.
| State Farm | $335 | $28 |
| Allstate | $373 | $31 |
| Texas Farm Bureau | $374 | $31 |
| Mercury | $392 | $33 |
| Progressive | $552 | $46 |
| AAA Texas | $580 | $48 |
| GEICO | $584 | $49 |
| Nationwide | $605 | $50 |
| Chubb | $627 | $52 |
| National General | $687 | $57 |
| Foremost | $742 | $62 |
| Dairyland | $1,077 | $90 |
These are the minimum liability requirements for car insurance policies in Texas:
With a minimum coverage policy, your insurance will only cover damages to the other driver and vehicle in an at-fault accident. For example, if the driver and their passenger are injured, your insurance will cover the first $60,000 in medical expenses, with a limit of $30,000 per person. Any remaining medical expenses are your responsibility.
The following companies in Corpus Christi offer full coverage auto insurance at the lowest rates:
Dairyland is the most expensive insurer in the city, charging an average of $1,864 per year for full coverage. As of October 2022, State Farm is also our top recommendation for cheap full coverage vehicle insurance in Texas, where the typical annual premium is $711 — $52 more than the company's average rate in Corpus Christi.
| State Farm | $659 | $55 |
| Texas Farm Bureau | $714 | $59 |
| Mercury | $846 | $70 |
| Allstate | $863 | $72 |
| GEICO | $989 | $82 |
| AAA Texas | $1,058 | $88 |
| Nationwide | $1,180 | $98 |
| Chubb | $1,319 | $110 |
| Progressive | $1,328 | $111 |
| National General | $1,407 | $117 |
| Foremost | $1,531 | $128 |
| Dairyland | $1,864 | $155 |
A full coverage policy includes collision and comprehensive coverage in addition to liability coverage.
If you have a new car, full coverage auto insurance may be a wise purchase, but the extra expense might not be necessary if your car is an older model with low value.
Ensure you are getting the cheapest rates for your insurance by comparing quotes.
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The following companies in Corpus Christi provide the least expensive car insurance for drivers with violations:
Chubb charges the highest rates for drivers with DUIs at $2,583 per year, while Dairyland charges the highest average yearly premiums for drivers with accidents ($3,614) and Foremost is most expensive after a speeding ticket ($2,301).
A poor driving record can greatly impact your rates, and even the cheapest auto insurance premiums for those with violations will still be higher than rates for safe driving records.
| State Farm | $659 | $55 |
| Texas Farm Bureau | $714 | $59 |
| Allstate | $863 | $72 |
| GEICO | $1,150 | $96 |
| Mercury | $1,229 | $102 |
| Nationwide | $1,379 | $115 |
| AAA Texas | $1,391 | $116 |
| Chubb | $1,425 | $119 |
| Progressive | $1,626 | $136 |
| National General | $1,832 | $153 |
| Foremost | $1,857 | $155 |
| Dairyland | $2,301 | $192 |
The more serious the offense, the more expensive your auto insurance usually becomes. For instance, in Corpus Christi, you can expect your premium to increase by about $231 if you get a ticket and by $542 if you have a DUI. If you do your research, it is still possible to find cheap auto insurance for drivers with a bad record.
The cheapest auto insurance for teens on a family policy in Corpus Christi is offered by the following companies:
Allstate charges the highest rates for teens on a family plan at $7,661 per year for male teens and $6,505 per year for female teens.
Female teens frequently pay less for car insurance than male teens as they are seen as less risky to insure. In Corpus Christi, for example, State Farm charges male teenagers $383 more than female teens, but this price difference typically levels off by the time they reach early adulthood.
| State Farm | $1,882 | $7,886 |
| Nationwide | $2,287 | $7,620 |
| GEICO | $3,054 | $8,111 |
| Foremost | $3,888 | $15,427 |
| Progressive | $4,274 | $16,039 |
| Allstate | $6,505 | $11,405 |
Consider adding a teen to a family policy to get the cheapest auto insurance for teens. If teens buy an individual policy, they can expect to pay a lot more per year. Full coverage insurance for a 16-year-old in Corpus Christi costs around $3,267 more per year than a family policy.
The following companies in Corpus Christi provide the cheapest full coverage auto insurance military drivers:
Military personnel and their families should also consider USAA as it caters to drivers with a military background. Its average rate in Corpus Christi for a full coverage policy is $842. State Farm is also the cheapest option for a minimum coverage policy at $335, and Allstate comes in second at $373.
| State Farm | $659 | $55 |
| Texas Farm Bureau | $714 | $59 |
| USAA | $842 | $70 |
| Mercury | $846 | $70 |
| Allstate | $863 | $72 |
| GEICO | $989 | $82 |
| AAA Texas | $1,058 | $88 |
| Nationwide | $1,180 | $98 |
| Chubb | $1,319 | $110 |
| Progressive | $1,328 | $111 |
| National General | $1,407 | $117 |
| Foremost | $1,531 | $128 |
| Dairyland | $1,864 | $155 |
Comparing online quotes from several providers is a great way to find the best rate, but it requires entering a lot of personal information and can take more than 15 minutes per quote.
MoneyGeek's auto insurance calculator can provide a quick estimate of your car insurance costs using only your age, driving history, car model and desired coverage levels.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 20, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
The following companies in Corpus Christi provide the cheapest full coverage auto insurance for young drivers:
Dairyland is the most expensive option, with an average yearly premium of $2,274. Young adults generally pay more for auto insurance than middle-aged drivers since they have less driving experience. In Corpus Christi, the average cost of car insurance for 25-year-old drivers is $1,474 per year, which is $334 more than the average rate for 40-year-old drivers.
| State Farm | $844 | $70 |
| Texas Farm Bureau | $892 | $74 |
| Mercury | $1,150 | $96 |
| Allstate | $1,157 | $96 |
| GEICO | $1,159 | $97 |
| AAA Texas | $1,376 | $115 |
| Nationwide | $1,429 | $119 |
| Progressive | $1,659 | $138 |
| National General | $1,731 | $144 |
| Foremost | $2,054 | $171 |
| Chubb | $2,058 | $172 |
| Dairyland | $2,274 | $190 |
The cheapest auto insurance for seniors in Corpus Christi is offered by the following companies:
The most expensive insurer for seniors is Dairyland, which charges $1,679 annually. In Corpus Christi, drivers over 60 pay an average of $45 less on auto insurance than middle-aged adults, although rates tend to increase after age 65 as driving becomes riskier.
| Texas Farm Bureau | $598 | $50 |
| State Farm | $600 | $50 |
| Allstate | $783 | $65 |
| Mercury | $894 | $75 |
| Nationwide | $959 | $80 |
| GEICO | $992 | $83 |
| AAA Texas | $1,052 | $88 |
| Chubb | $1,146 | $96 |
| Progressive | $1,284 | $107 |
| National General | $1,538 | $128 |
| Foremost | $1,659 | $138 |
| Dairyland | $1,679 | $140 |
The following companies in Corpus Christi offer cheap auto insurance for drivers with bad credit:
The most expensive option is State Farm, which charges $3,581 annually for full coverage. Compared to drivers with good credit, Corpus Christi drivers with poor credit typically pay $914 — or 80% — more per year for vehicle insurance.
| Mercury | $1,246 | $104 |
| Allstate | $1,314 | $110 |
| Texas Farm Bureau | $1,555 | $130 |
| Nationwide | $1,582 | $132 |
| AAA Texas | $1,661 | $138 |
| Foremost | $1,868 | $156 |
| Progressive | $2,204 | $184 |
| Chubb | $2,334 | $195 |
| Dairyland | $2,381 | $198 |
| National General | $2,424 | $202 |
| GEICO | $2,886 | $241 |
| State Farm | $3,581 | $298 |
Car insurance companies generally believe that drivers with bad credit are more likely to file claims, which leads to higher premiums. There are several ways to lower the cost of insurance if you have poor credit, including shopping around, finding discounts, and bundling policies. You can also work to improve your credit score over time, which will help you qualify for lower rates.
The cheapest auto insurance for sports car owners in Corpus Christi is offered by the following companies:
Dairyland has the highest rates at $1,910 per year. In Corpus Christi, sports car owners typically pay $1,396 annually for full coverage insurance, which is $257 more than standard automobile owners — an increase of almost 23%.
| State Farm | $800 | $67 |
| GEICO | $1,043 | $87 |
| Allstate | $1,095 | $91 |
| Nationwide | $1,392 | $116 |
| Chubb | $1,541 | $128 |
| Foremost | $1,694 | $141 |
| Progressive | $1,696 | $141 |
| Dairyland | $1,910 | $159 |
MoneyGeek used a Ford Mustang to represent sports cars in this analysis, but rates may vary by model. Sports, electric and luxury cars are usually the most expensive to insure.
In Corpus Christi, the average cost of car insurance is $1,140 per year. This is for full coverage insurance with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
One of the many variables influencing rates is location. The cost of auto insurance in Corpus Christi is $61 less than the average cost of auto insurance in Texas, which is $1,201 and is also slightly cheaper than the national average cost of car insurance, which is $1,265 annually. Corpus Christi rates are also cheaper than those in the nearby cities of San Antonio and Laredo.
| Wichita Falls | $965 | $426 |
| San Angelo | $1,001 | $410 |
| Abilene | $1,016 | $436 |
| College Station | $1,032 | $500 |
| Midland | $1,037 | $461 |
| Waco | $1,038 | $491 |
| Killeen | $1,052 | $503 |
| El Paso | $1,093 | $495 |
| Lubbock | $1,095 | $499 |
| Round Rock | $1,098 | $542 |
| Odessa | $1,128 | $490 |
| Denton | $1,132 | $558 |
| Tyler | $1,135 | $554 |
| Corpus Christi | $1,140 | $578 |
| Lewisville | $1,151 | $572 |
| Allen | $1,158 | $571 |
| Austin | $1,159 | $571 |
| Frisco | $1,159 | $574 |
| Fort Worth | $1,168 | $563 |
| McKinney | $1,171 | $573 |
| Arlington | $1,174 | $576 |
| Plano | $1,207 | $596 |
| Amarillo | $1,209 | $512 |
| San Antonio | $1,220 | $601 |
| League City | $1,221 | $607 |
| Sugar Land | $1,242 | $623 |
| Beaumont | $1,242 | $623 |
| Laredo | $1,249 | $557 |
| Irving | $1,251 | $606 |
| Richardson | $1,256 | $620 |
| Carrollton | $1,257 | $617 |
| The Woodlands | $1,267 | $639 |
| Pasadena | $1,274 | $630 |
| Brownsville | $1,276 | $622 |
| Grand Prairie | $1,287 | $630 |
| Pearland | $1,298 | $645 |
| Mesquite | $1,302 | $639 |
| Dallas | $1,314 | $640 |
| Garland | $1,322 | $657 |
| McAllen | $1,364 | $668 |
| Houston | $1,436 | $699 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
