ATexas driver is involved in a collision just over every minute. This statistic may make auto insurance a worthwhile consideration for Corpus Christi residents. Average annual cost for full coverage auto insurance in Corpus Christi: $1,806; minimum coverage is $594. While this rate is higher than the national average cost of car insurance, several providers offer competitive rates. Our research shows that USAA is the most affordable car insurance in Corpus Christi with an average premium for full coverage of $1,302.
When comparing providers, you might want to look at other factors as well. Corpus Christi residents may wish to compare the quality of customer service, available coverages and accessibility to mobile apps between companies in order find the best car insurance.
Best car insurance companies Corpus Christi
Bankrate’s multifaceted approach to finding the best Corpus Christi car insurance takes into account many aspects of each company. The latest premium data from Quadrant Information Services is used. We also consider elements such as discounts, customer service, and accessibility. The J.D. also helped us to analyze how companies rank in customer satisfaction. Power 2021 U.S. Auto Insurance Study.
USAA
USAA sells insurance products exclusively to past and present military members and their immediate families. The average coverage rate and the full coverage rate are both well below the Corpus Christi median cost of car insurance. It is also known for its customer service. J.D. consistently gives USAA high marks. Power, although it is not officially ranked because of eligibility restrictions.
Geico
Geico rates are among the most affordable in the city. Geico may be the right choice for you if budget is your main concern. Geico offers many discounts, which could help to lower the average rate. Geico offers customer service via a convenient mobile app and a customer hotline that is available 24 hours a day.
All over the country
The average full coverage rate for Nationwide is a lot lower than that of Corpus Christi. For full-time students, the company offers discounts for safe driving and automatic payments. The SmartMiles program allows you to customize your coverage based on the number of miles you drive rather than charging a flat monthly premium.
Allstate
Allstate has a strong community presence in Corpus Christi, with 16 local agents operating in the city. These agents may be a good resource to help you make sure your coverage meets your needs. The company’s pricing is lower than the average Corpus Christi premium.
State Farm
Although State Farm’s minimum coverage premium is slightly higher than that of Corpus Christi, its full coverage option is significantly lower than that city’s. State Farm was also well ranked among Lone Star State drivers during the 2021 J.D. Power U.S. Auto Insurance Study placed fifth in overall customer satisfaction.
Cheapest car insurance in Corpus Christi
Corpus Christi’s car insurance is slightly more expensive than the national average at $594 per year for minimum coverage and $1806 for full coverage. Nationally, the average premium for car insurance is $565 annually for minimum coverage and $1674 for full coverage.
Drivers have several options for cheap car insurance in Corpus Christi. USAA rates are very affordable for military personnel. They offer the lowest annual minimum coverage premium as well as the lowest annual full coverage premium. Even if your military affiliation is not a factor, you may find lower-than-average coverage through other companies such as Allstate, Nationwide, Mercury, and Geico.
Corpus Christi insurance requirements
Texas requires that all drivers in the state carry at least 30/60/25 coverage. Your policy must cover the following limits and coverages:
- $30,000 per person for bodily injury liability
- $60,000 per accident for bodily injury liability
- $25,000 per accident in property damage liability
Insurers are also required to offer personal injury protection (PIP) and both uninsured and underinsured motorist coverage to every driver seeking car insurance in Texas. These coverages can be declined by drivers in writing. However, it is advisable to speak to an agent about the pros and cons.
With dozens of local providers offering competitive coverage, you may want to compare multiple quotes to find the best car insurance in Texas for your individual needs.
Corpus Christi offers car insurance discounts
Many insurers offer discounts that will help you save money on the policy. These are some common discounts available to Corpus Christi drivers.
- Safe-driving discounts available: You may be eligible for a safe driving discount if you don’t have any tickets or accidents in the past.
- Discounts for military personnel: Companies may offer discounts to military personnel.
- Student discounts are available: If you’re a student, or you insure a student on your policy. You may be eligible for a reduction in your premium if your student has a high GPA.
- Multi-vehicle Discounts: This discount may be available if you have more than one vehicle insured with the same company.
- Bundling discounts for policy purchases: This discount is often offered to customers who buy more than one type or insurance from the same company. For example, auto and home insurance.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance company is going to be different for every driver. To rate your policy, companies consider factors like your driving record, vehicle type and coverage choices. Every driver is different and has their own requirements. One driver may want a company with lots of online features, for example, while another driver is simply looking for the cheapest car insurance company. You can get car insurance quotes from Corpus Christi providers to compare costs, features, and discounts.
What is the cost of car insurance in Corpus Christi?
The annual average cost of car insurance in Corpus Christi amounts to $594 for minimum coverage and $1806 for complete coverage. This is significantly higher than the national average. This could be due the possibility of accidents in Corpus Christi or the high cost of medical treatment. Your car insurance rates may differ from the average in your area because they are individual.
Is Texas a state of no-fault?
Texas is not a state of no-fault. Texas is a state that is at fault or tort. Drivers who cause an accident in Texas are financially responsible both for the damage and the injuries they cause.