Compare Auto Insurance in Corpus Christi
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 $934.22 per year. The national average cost is $889.01.
Prices may vary depending on your driving history and the number of claims filed in your zip code.
|Total Cost Per Year||$934.22|
|Price Per Month||$77.85|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.
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.
Best Car Insurance Companies in Corpus Christi, TX
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.
Top 10 Vehicles
These are the most common car makes and models owned by Corpus Christi, TX drivers requesting quotes through QuoteWizard last year.
- Ford F150
- Chevrolet C1500 Silverado
- Ford Mustang
- Dodge RAM 1500
- Honda Accord EX
- Nissan Altima 2.5 S
- Chevrolet C1500 Suburban
- Chevrolet Malibu
- Ford F250 Super Duty
- Chevrolet Malibu
- Ford Focus
Minimum Car Insurance Requirements in Corpus Christi, TX
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.
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.
Factors affecting car insurance rates are the weather and road conditions.
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.
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.
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 like accidents, speeding tickets, and drunk driving will add points to your driver's license and raise your rates. If you get too many citations, your insurer may change your status from preferred to non-preferred. This means you'll probably have to purchase a non-standard, high-risk policy if you want to maintain coverage.
The Corpus Christi Municipal Court has an online payment system that allows you to pay traffic citations.
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 8,846 car crashes in 2017. These crashes resulted in 3,345 injuries, 119 of them incapacitating.
DWI Crashes and Injuries
Corpus Christi reported 377 crashes involving alcohol or drugs in 2017. These accidents caused 200 injuries and seven fatalities involving impaired drivers.
Corpus Christi Police reported 34 fatal collisions in 2017 resulting in 37 deaths.
Given Corpus Christi’s estimated population of 325,605, this city is one of the nation's safest in terms of traffic fatalities per capita.
Vehicle Theft Rates
Corpus Christi reported 731 vehicle thefts in 2017. This is a rate of 2.25 per 1,000 residents. This is just slightly under the national average of 2.37 stolen autos per 1,000 people.
Car Insurance Discounts
Are you looking for affordable 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, TX.
- Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 20%
- Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
- Enroll in a defensive driving course at an accredited driving school
- Drivers 55 and older can get the senior discount or the 55 and retired discount
- Safe driver. If you have a perfect driving, record you may qualify for the accident free discount.
- Get married. Some insurers offer a discount to married drivers
- City of Corpus Christi, Texas
- Municipal Court - Corpus Christi, TX
- Corpus Christi Texas Crime Rates
- United States Census Bureau - Corpus Christi, TX
- TRIP Urban Roads Report Appendices
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.