Best Auto Insurance Rates in Corpus Christi, Texas

On average, your neighbors pay $75 a month.

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Compare Auto Insurance Quotes in Corpus Christi, TX

What do Lou Diamond Phillips, Eva Longoria, Selena, and David Freese have in common? They were all born in the city of Corpus Christi, Texas. Corpus Christi is nicknamed the Real Windy City, due to its extremely high average wind speed. Because of this, it has become a haven for windsurfing and sailing enthusiasts. And, you don’t want to be blown away by the cost of car insurance, so compare rates before you buy.

Average Corpus Christi Car Insurance Rates

How much is car insurance in Corpus Christi, TX? Residents shouldn't be surprised that insurance rates here are higher than the national average. The average cost of auto insurance in Texas is $905.64 per year. The national average is $866.31.

Prices may vary depending on your driving history and the number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $905.64
Price Per Month $75.47

QuoteWizard helps consumers compare quotes from national insurance companies and local independent agents. Comparing quotes and can help you find cheap car insurance rates near Corpus Christi, Texas and save up to 40% on your premium.

Last year, 6,268 people used QuoteWizard to compare car insurance quotes in Corpus Christi, TX from different companies, and find the cheapest rates.

Top 10 Vehicles in Corpus Christi

These are the most common car makes and models owned by Corpus Christi drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet C1500 Silverado
  3. Ford Mustang
  4. Dodge RAM 1500
  5. Honda Accord EX
  6. Nissan Altima 2.5 S
  7. Chevrolet C1500 Suburban
  8. Chevrolet Malibu
  9. Ford F250 Super Duty
  10. Chevrolet Malibu
  11. Ford Focus
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Corpus Christi

These were the most common car insurance companies reported by QuoteWizard users living in Corpus Christi, TX last year. Of these user, 947 were uninsured.

Other popular Corpus Christi, TX car insurance companies: AAA, Hartford, American Family, 21st Century, MetLife, Safeco, Prudential, and Country Financial.

Corpus Christi Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Corpus Christi ranked 58th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 9.5 years, 4.8% higher than the national average. 293 Corpus Christi drivers that used QuoteWizard last year reported incidents on their driving records.

Corpus Christi drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Factors affecting car insurance rates are the weather and road conditions.

Weather

Corpus Christi weather has a humid subtropical climate with very long and very hot summers and almost no winter to speak of. The biggest concern for drivers will be rainfall and this city gets its fair share with most rainfall occurring between May and October.

Road Conditions

TRIP reports that 20% of the major roads in Corpus Christi are in poor or mediocre condition. According to TRIP, the poor condition of the city's streets costs drivers an additional $240 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

The Texas A&M Transportation Institute (TTI) ranked Dallas-Corpus Christi 11th in the nation for yearly delay per commuter. According to the TTI study, residents spend an extra 53 hours a year stuck in traffic congestion and waste 22 gallons of fuel annually. The total cost per commuter is estimated by the TTI to be $1,185 per year.

Moving Violations

Moving violations like accidents, speeding tickets, and drunk driving will add points to your driver's license raise your rates.

Traffic Tickets

The Corpus Christi Municipal Court has an online payment systerm that allows you to pay traffic citations.

Red Light Cameras

Corpus Christi has numerous intersections equipped with red light cameras.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local agents from top companies that specialize in Corpus Christi DWI auto insurance.

Car Accident Statistics

Corpus Christi officials reported 8,300 car crashes in 2016. These crashes resulted in 3,003 injuries, 156 of them incapacitating.

DWI Crashes and Injuries

Corpus Christi reported 397 crashes involving alcohol or drugs in 2016. These accidents caused 189 injuries and seven fatalities involving impaired drivers.

Traffic Fatalities

Corpus Christi Police reported 29 fatal collisions in 2016 resulting in 30 deaths.

Given Corpus Christi’s estimated population of 325,733, this city is one of the nation's safest in terms of traffic fatalities per capita.

Vehicle Theft Rates

Corpus Christi reported 517 vehicle thefts in 2016. This is a rate of 1.60 per 1,000 residents.

Legal Minimum Insurance Requirements

Corpus Christi, Texas has a minimum coverage requirement known as the 30/60/25 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The total amount your carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The most your insurer will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your rates.These are some of the many auto insurance discounts available to drivers in Corpus Christi. Get a quote to find out which discounts you qualify for with your current or multiple insurance companies

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 15%
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  4. Enroll in a defensive driving course at an accredited driving school
  5. Drivers 55 and older can get the senior discount or the 55 and retired discount
  6. Safe driver. If you have a perfect driving, record you may qualify for the accident free discount.
  7. Drive less. Live close to work and get the low mileage discount
  8. Get married. Some insurers offer a discount to married drivers
  9. Maintain at least a B grade point average in school to qualify for the good student discount
  10. Shop around and compare affordable Corpus Christi auto insurance quotes

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