What Makes Car Insurance Expensive in Corpus Christi, TX

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The average cost of auto insurance in Corpus Christi, TX, is $1,422. This is lower than the cost of auto insurance in neighboring places such as Aransas Pass, Falman, Ingleside on the Bay, Port Aransas, and Ingleside. According to the U.S. Census Bureau, the population of Corpus Christi is 326,554. The median household income is $55,709, while the per capita income is $28,017.

Car insurance can be expensive due to numerous reasons. These factors range from the make and model of the vehicle to the rate of deductible chosen. Below are some of the factors that make auto insurance expensive in Corpus Christi, TX.


The rate of the deductible is one of the most common factors affecting the cost of auto insurance in Corpus Christi. A low deductible tends to increase the cost of auto insurance, while a high deductible leads to a decrease in the price. For instance, in Corpus Christi, the cost of auto insurance for a low deductible, say $500, is $1,661, while it is $1,403, against a higher deductible of $1,000.

Age of the Driver:

The age of the driver is another factor that affects the cost of auto insurance. Car owners who are younger end up spending more on auto insurance because of their lack of driving experience. With an increase in experience, the cost of auto insurance decreases. As the above infographic indicates, the cost of auto insurance for teenagers in Corpus Christi is $4,614. The cost is lowest for car owners in their fifties and sixties. The former pays $1,254 on an average, while the latter pays $1,271. 

Driving Record:

A poor driving record can also lead to a massive increase in the cost of auto insurance for car owners in Corpus Christi. Post-DUI, the cost of auto increase rises to $2,214. Other major driving violations can also cause a massive increase in rates. Driving with an expired license can increase the cost of auto insurance by $958 while speeding and running a red light can increase the cost of auto insurance by $348 and $331, respectively.

Being a safe driver has its benefits since the amount of risk being covered by the insurer is less when the driver does not have too many violations.