In Corpus Christi, the three most affordable car insurance companies are Texas Farm Bureau, State Farm and Mercury. Insurance costs can vary greatly depending on your driving history, age and the level of coverage you choose. The table below breaks down different categories to help you see which company might best fit your needs.
Cheapest Car Insurance in Corpus Christi, TX
Updated: December 12, 2024
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Key Takeaways
The top five affordable car insurance companies in Corpus Christi are Texas Farm Bureau, Mercury, State Farm, Progressive and National General.
The lowest monthly rates for car insurance in Corpus Christi are $31 for state minimum coverage and $59 for full coverage.
On average, Corpus Christi residents pay $67 per month for minimum coverage and $134 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Texas Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Corpus Christi
| Texas Farm Bureau | Minimum Coverage | $31 |
| Texas Farm Bureau | Full Coverage | $59 |
| State Farm | Teens | $175 |
| Texas Farm Bureau | Young Adults | $40 |
| Texas Farm Bureau | Senior Drivers | $27 |
| Mercury | Drivers With Bad Credit | $50 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $31 |
| Mercury | Drivers With a DUI | $50 |
| State Farm | Drivers With an Accident | $49 |
| Texas Farm Bureau | Military Affiliated Drivers | $31 |
Cheapest Car Insurance Coverage in Corpus Christi
Finding the cheapest car insurance in Corpus Christi requires comparing rates from various providers. Your age, driving record, type of vehicle and coverage needs all play a role in determining costs. Remember, the cheapest car insurance in Texas might not be the lowest in Corpus Christi. Getting car insurance quotes helps you find affordable options tailored to your needs.
Cheapest Minimum Coverage Car Insurance in Corpus Christi
Texas Farm Bureau offers the cheapest minimum coverage car insurance in Corpus Christi at $31 per month, followed by Mercury at $35. Check the table below to see different providers offering the best rates for minimum coverage.
| Texas Farm Bureau | $31 | $35 |
| Mercury | $35 | $31 |
| State Farm | $38 | $28 |
| Progressive | $50 | $17 |
| National General | $53 | $14 |
| Allstate | $58 | $9 |
Cheapest Full Coverage Car Insurance in Corpus Christi
Texas Farm Bureau offers the most affordable full coverage car insurance in Corpus Christi at $708 per year. Check the table below to find other providers offering competitive rates for full coverage.
| Texas Farm Bureau | $59 | $75 |
| State Farm | $80 | $55 |
| Progressive | $92 | $42 |
| Allstate | $114 | $20 |
| National General | $114 | $20 |
| Mercury | $118 | $16 |
| GEICO | $118 | $16 |
| AAA Texas | $122 | $12 |
Cheapest Car Insurance in Corpus Christi by Age
In Corpus Christi, car insurance rates change with age. Young drivers pay more because they're new on the road. Over time, these rates drop, but they may climb after age 70. Below, you will find the cheapest insurance companies for teens, young adults and seniors.
Cheapest Car Insurance in Corpus Christi for Teens
Teens in Corpus Christi can find the cheapest car insurance with GEICO, Nationwide and State Farm. Check the table below for the lowest rates available for your age group in the city.
| State Farm | $175 | $127 | $217 | $246 |
| Nationwide | $212 | $89 | $446 | $17 |
| GEICO | $244 | $58 | $239 | $224 |
Cheapest Car Insurance in Corpus Christi for Young Adults
Texas Farm Bureau offers the cheapest car insurance for young adults in Corpus Christi at $40 per month, which is 48% below the city average. Other companies offering affordable coverage are Mercury and State Farm, each at $47 per month, and Progressive at $58.
| Texas Farm Bureau | $40 | $47 |
| Mercury | $47 | $41 |
| State Farm | $47 | $41 |
| Progressive | $58 | $30 |
| National General | $70 | $17 |
| Allstate | $73 | $15 |
| GEICO | $79 | $9 |
| AAA Texas | $86 | $2 |
Cheapest Car Insurance in Corpus Christi for Seniors
Texas Farm Bureau offers the cheapest car insurance for seniors at $324 annually. Check the table below to explore options from other providers and find the best rates for senior drivers.
| Texas Farm Bureau | $27 | $40 |
| State Farm | $36 | $32 |
| Mercury | $40 | $28 |
| Progressive | $49 | $18 |
| National General | $55 | $12 |
| Allstate | $60 | $8 |
Cheapest Car Insurance in Corpus Christi for Drivers With Bad Credit
A poor credit-based insurance score can lead to higher premiums compared to those with good scores. For cheap car insurance for drivers with bad credit, Mercury offers a rate of $600 per year, while Texas Farm Bureau offers $780. Review the table below for more options from other providers.
| Mercury | $50 | $68 |
| Texas Farm Bureau | $65 | $53 |
| Progressive | $77 | $42 |
| National General | $80 | $38 |
| Allstate | $86 | $32 |
| Foremost | $101 | $17 |
| AAA Texas | $105 | $13 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still find affordable car insurance by utilizing common discounts and bundling different insurance policies. Comparing personalized quotes from multiple companies can also help. Improving your credit over time can further lower your rate.
Cheapest Car Insurance in Corpus Christi After a Driving Offense
Insurance providers assess risk when calculating car insurance premiums, and your driving record plays a key role. Violations like speeding tickets, accidents or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Corpus Christi After a DUI
Texas does not give DUIs but has DWIs instead. For drivers in Corpus Christi with a DWI, affordable car insurance is within reach. Mercury offers the cheapest minimum coverage at $600 annually. Check the table below to explore options from other providers and find the best rates for drivers with a DWI.
| Mercury | $50 | $54 |
| Progressive | $54 | $50 |
| National General | $67 | $37 |
| State Farm | $75 | $29 |
| Texas Farm Bureau | $77 | $27 |
| Foremost | $95 | $9 |
Cheapest Car Insurance in Corpus Christi After an Accident
State Farm offers the most affordable minimum coverage car insurance for drivers with an at-fault accident in Corpus Christi, priced at $588 annually. Check the table below to explore options from other providers and find the best car insurance company with affordable rates.
| State Farm | $49 | $63 |
| Texas Farm Bureau | $53 | $59 |
| Mercury | $75 | $37 |
| Progressive | $77 | $35 |
| National General | $91 | $21 |
| GEICO | $94 | $18 |
| Allstate | $99 | $13 |
| AAA Texas | $101 | $11 |
Cheapest Car Insurance in Corpus Christi After a Ticket
Texas Farm Bureau offers the most affordable car insurance for drivers with a speeding record in Corpus Christi, with an annual rate of $372. State Farm is the second cheapest at $456 annually. Check the table below to explore options from other providers and find the best rates.
| Texas Farm Bureau | $31 | $48 |
| State Farm | $38 | $41 |
| Mercury | $52 | $28 |
| Allstate | $58 | $22 |
| Progressive | $58 | $21 |
| National General | $65 | $15 |
| GEICO | $78 | $2 |
Cheapest Car Insurance in Corpus Christi for Military Drivers
Military drivers in Corpus Christi — including active-duty members, veterans and their families — can often find special discounts and competitive rates on car insurance. The cheapest car insurance providers for military drivers seeking minimum coverage in Texas are Texas Farm Bureau at $372 and USAA at $420.
| Texas Farm Bureau | $31 | $33 |
| USAA | $35 | $30 |
| Mercury | $35 | $29 |
| State Farm | $38 | $26 |
| Progressive | $50 | $14 |
| National General | $53 | $11 |
| Allstate | $58 | $6 |
How Much Does Car Insurance Cost in Corpus Christi?
In Corpus Christi, full coverage car insurance averages $1,608 yearly. State minimum coverage costs about half that, at $804 per year. These averages are based on a 40-year-old driver with good credit and a clean driving record; your rate may differ.
Corpus Christi Auto Insurance Cost by Driver Profile
Review the table below for the average auto insurance costs in Corpus Christi for various driver profiles. Find affordable options and ensure you're getting a fair deal.
| Teen Drivers | No Data | $463 |
| Young Adults | $88 | $175 |
| Senior Drivers | $67 | $129 |
| Drivers With Bad Credit | $118 | $242 |
| Drivers With a Speeding Ticket | $80 | $162 |
| Drivers With a DUI | $104 | $199 |
| Drivers With an Accident | $112 | $218 |
| Military Affiliated Drivers | $64 | $130 |
How Expensive Is Car Insurance in Corpus Christi?
Car insurance in Corpus Christi costs about 1% less for state minimum coverage and 7% less for full coverage than the Texas average. That's $67 per month ($804 per year) for minimum and $134 per month ($1,608 per year) for full coverage.
| City Avg Rate | $67 | $134 |
| State Avg Rate | $68 | $141 |
| vs State Avg Rate | $1 | $7 |
Car Insurance Requirements in Corpus Christi
In Texas, drivers must carry car insurance that meets the state minimum coverage limits. These limits include amounts for bodily injury liability and property damage liability to ensure financial responsibility on the road.
The minimum coverage amounts in Texas are:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
An auto insurance policy provides financial protection against expenses from an accident. Liability coverage pays for damages or injuries the policyholder causes to others in an at-fault accident.
For example, if you're at fault in an accident that injures another driver, your minimum bodily injury liability coverage would cover up to $30,000 for that person's medical expenses. It's important to have at least this amount of coverage to avoid paying out-of-pocket costs.
If you need SR-22 insurance in Corpus Christi, these are the minimum limits you must carry to drive legally.
Cheapest Car Insurance in Corpus Christi: Bottom Line
Getting the cheapest car insurance in Corpus Christi means looking at your age, driving history, car and credit score. Texas Farm Bureau and State Farm often have the lowest rates, but shop around and compare prices from different companies to ensure you're saving the most money.
Cheap Corpus Christi Car Insurance: FAQ
MoneyGeek helps you find the cheapest car insurance in Corpus Christi. We answer common questions and guide you to the best coverage options.
What is the cheapest car insurance company in Corpus Christi, Texas?
The cheapest car insurance company in Corpus Christi, Texas, is typically Texas Farm Bureau, with average rates of $372 per year for minimum coverage and $708 per year for full coverage. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Corpus Christi, Texas?
The average cost of car insurance in Corpus Christi, Texas, is around $1,608 per year for full coverage, while minimum coverage averages $804 per year. These rates can vary depending on your specific circumstances.
Is car insurance in Corpus Christi, Texas, expensive?
Car insurance in Corpus Christi, Texas, costs slightly less than the state average. Still, shopping around and comparing quotes can help you find the best deal.
How We Chose the Cheapest Car Insurance in Corpus Christi, TX
To help Corpus Christi drivers find the most affordable auto insurance companies, MoneyGeek analyzed Corpus Christi auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services.
Corpus Christi Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Corpus Christi with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Corpus Christi
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
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.