Finding the best inexpensive vehicle insurance in Corpus Christi can be difficult, but Bankrate has done the effort for you. According to our study, the average price for full coverage in Corpus Christi is $1,779 per year, or $148.25 per month, and the average price for minimum coverage is $581 per year. We found the cheapest car insurance for Corpus Christi drivers with State Farm, Geico, Esurance, Mercury Insurance, and USAA.
Best affordable auto insurance providers in Corpus Christi
According to information given by Quadrant Information Services, State Farm, Geico, and Esurance provide Corpus Christi consumers with the most affordable typical vehicle insurance premiums. According to the 2022 J.D. Power rankings, Bankrate assigns car insurance providers a score out of five based on a provider’s availability, pricing, and customer happiness. Power Auto Insurance Study, prices, and financial stability. Following this investigation, our editorial team came up with a short list of the city’s best affordable vehicle insurance providers, which consumers can use to begin their quote comparison process when looking for an auto insurance policy.
| Insurance company | Bankrate Score | J.D. Power score | Average annual premium for full coverage | Average annual premium for minimum coverage |
|---|---|---|---|---|
| State Farm | 4.7 | 851/1,000 | $1,242 | $460 |
| Geico | 4.7 | 843/1,000 | $1,319 | $449 |
| Esurance | 4.2 | Not rated | $1,402 | $505 |
| Mercury | 4.1 | Not rated | $1,407 | $465 |
| USAA | 5 | 885/1,000 | $1,447 | $470 |
City Farm
More than 20 agents are located in Corpus Christi, and State Farm has reasonable prices. Car rental, travel fees, and rideshare coverage are just a few of the remarkable optional coverage options offered by the supplier. Gap insurance is not a choice, though. When purchasing a combination of a car, condo, home, life, or renters policy, State Farm’s bundle options may result in significant savings for you.
Geico
For drivers in Corpus Christi, Geico offers affordable average minimum and full coverage prices. Geico offers optional mechanical breakdown insurance, which covers all parts and systems and has a reasonable deductible, in addition to the normal coverage types you require. Comparatively to the other carriers on our list, nevertheless, its add-on coverage possibilities are somewhat constrained. Nevertheless, the carrier provides more than a dozen options for reducing your premium, like as reductions for good drivers, good students, military personnel, multi-policy holders, new cars, and safety and security equipment.
Esurance
DriveSense is a usage-based auto insurance service offered by Esurance, an Allstate brand. It offers a discount for signing up and rewards you with savings for maintaining safe driving practices. You can access your insurance ID card, make a claim, and ask for roadside help via the insurer’s mobile app, which is also available on smartphones. Despite not having a J.D. Power rating, the insurer has excellent app reviews from customers and provides affordable prices compared to the citywide average.
Microsoft Insurance
In Corpus Christi, Mercury provides inexpensive auto insurance and a number of incentives that can further reduce your premium. In addition to the regular coverage, Mercury also provides an optional roadside assistance plan that includes services like towing, emergency fuel and fluid delivery, locksmith help, tire adjustments, and battery jump starts. Through five separate offices in Corpus Christi, Mercury offers auto insurance. Drivers who intend to move soon to a state that Mercury does not serve may want to take this into account since the brand is not offered nationwide.
USAA
Although USAA had the top J.D. Power and Bankrate ratings, J.D. Power does not rank it since it only offers insurance to qualified U.S. military personnel, veterans, and their dependents. For members who combine their house and auto insurance policies, USAA offers discounts of up to 10%; for service members who keep their cars in garages while deployed, USAA gives discounts of up to 60%. The provider’s portfolio comprises banking, investing, and retirement products in addition to business, health, life, long-term care, property, and vehicle insurance.
How to find and maintain affordable auto insurance in Corpus Christi
Shopping around is the greatest method to find the lowest deals on Corpus Christi car insurance, but keep these pointers in mind to find and maintain your low rates.
- Customer service research While prices matter, it’s crucial to buy insurance from a company with a solid reputation for customer service and strong financial standing. To assess how a provider may perform, you might look online for J.D. Power customer satisfaction rankings and AM Best financial strength ratings.
- Inquire about reductions with your insurance agent. Once you have a policy, you might be able to further reduce your premium by making sure all applicable discounts, such as any available safe driver discounts, have been added to your policy.
A lot of people have questions
Which vehicle insurance provider is best?
Finding affordable auto insurance providers is a priority for some drivers. However, while selecting the finest auto insurance provider, take into account companies that provide the best balance of policy kinds, customer service, financial stability, and cost. The auto insurance provider that best meets your needs is the greatest. For instance, you might prefer a carrier that combines house and auto insurance, or one that provides teen and young adult drivers favorable rates.
What kind of auto insurance is mandated by Texas law?
All drivers in Texas are required by law to have at least:
- $30,000 in responsibility for each person’s injuries
- Liability for bodily harm of $60,000 per accident
- Property damage liability per accident is $25,000
All Texas auto insurance policies, according to the Texas Department of Insurance, contain personal injury protection (PIP). PIP coverage is not mandated by law, thus auto owners have the choice to renounce it by telling an insurer in writing.
Methodology
In order to assess rates for all carriers and ZIP codes in all 50 states and Washington, D.C., Bankrate uses Quadrant Information Services. Based on the population density of each geographical area, rates are weighted. A 40-year-old male and female driver with a spotless driving record, good credit, and the following full coverage limits is used to calculate the quoted rates:
- Bodily injury liability of $100,000 per person
- $300,000 in responsibility for each accident’s injuries
- $50,000 in responsibility for property damage per incident
- Uninsured motorist bodily harm per person at $100,000
- Uninsured motorist bodily harm per accident: $300,000.
- $500 deductible for collision
- $500 for a full deductible
Bankrate utilized minimal coverage that complies with each state’s laws to determine minimum coverage limits. Our typical drivers commute five days a week, log 12,000 miles a year, and drive a 2020 Toyota Camry.
Only use these rates for comparison purposes since they are sample rates.
Bankrate Ratings
The five-point scale used to construct Bankrate Scores includes a study of quoted annual premiums from Quadrant Information Services, covering all 50 states and Washington, D.C., as well as a weighted ranking of industry-standard ratings for financial strength and customer experience. We are aware that it is crucial for drivers to feel secure that their financial protection is affordable, adequately covers the most likely hazards, and is being offered by a financially stable business with a track record of providing excellent customer service.
The Bankrate Scores of the top auto insurance providers were primarily influenced by third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s in order to assess how well they meet these criteria. We examined quoted premiums for 40-year-old male and female drivers of 2019 Toyota Camrys because cost is a common factor for drivers. Drivers may compare each service using this profile, which was evaluated over almost 35,000 ZIP codes in the U.S.
Bankrate looked studied each insurer’s online and mobile facilities for managing policies and dealing with claims, even though coverage options, insurer accessibility, cost, and customer experience are frequently the top considerations. These factors also played a role in generating Bankrate Scores because insurance is rapidly modernizing to stay up with our digital age.
