Corpus Christi, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Corpus Christi, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

What Makes Car Insurance Expensive in Corpus Christi, TX

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.

Deductibles:

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. 

Factors that can influence the cost of car insurance in Corpus Christi, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Corpus Christi, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Corpus Christi, TX with that of other cities in and around Corpus Christi.

	Corpus Christi	Aransas Pass	Falman	Ingleside on the Bay	Port Aransas	Ingleside
Average Insurance Rates	$1,422	$1,865	$1,863	$1,983	$2,089	$1,909

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Corpus Christi, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Corpus Christi, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Corpus Christi	$1,661	$1,403
Port Aransas	$1,198	$1,012
Ingleside on the Bay	$1,584	$1,338
Ingleside	$1,502	$1,268
Aransas Pass-Ingleside	$1,208	$1,021
Aransas Pass	$1,950	$1,647
Country Acres	$1,400	$1,182
Falman	$1,919	$1,621

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Corpus Christi, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Corpus Christi, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$4,614
20 Years	$1,827
30 Years	$1,407
40 Years	$1,354
50 Years	$1,254
60 Years	$1,271
70 Years	$1,480

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Corpus Christi, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Corpus Christi, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,474	$370
3 Vehicles	$3,711	$555
4 Vehicles	$4,949	$739

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Corpus Christi, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Corpus Christi, TX.

Location	Average Insurance Cost	Post DUI Insurance Rate
Corpus Christi	$1,422	$2,214
Port Aransas	$2,089	$3,252
Ingleside on the Bay	$1,983	$3,087
Ingleside	$1,909	$2,972
Aransas Pass-Ingleside	$1,908	$2,970
Aransas Pass	$1,865	$2,903
Country Acres	$1,892	$2,945
Falman	$1,863	$2,900

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Corpus Christi, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,220
Excellent (740-799)	$1,393
Good (670-739)	$1,482
Average (580-669)	$1,933
Poor (300-579)	$2,319

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Corpus Christi, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
Stanberry Insurance Agency	None	141 Main St, Highlands, 28741	None
Rene Contreras	Allstate	2701 Main St Ste B, Ingleside, 78362	(361) 775-2886
Matt Sablatura	State Farm	2741 Dallas Ave, Ingleside, 78362-5715	361-776-3579
Kyle Mcgee	State Farm	6402 Holly Rd, Corp Christi, 78412-4842	361-992-9440
Merida May Nardone	Farmers	15121 S Padre Island Dr Ste 104, Corpus Christi, 78418	(361) 949-8008
Merida May Nardone	Farmers	15121 S Padre Island Dr Ste 104, Corpus Christi, 78418	(361) 949-8008
Michael Morgan	State Farm	5515 Saratoga Blvd Ste B, Corp Christi, 78413-2978	361-992-3636

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Corpus Christi, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$63	$1,485
Driver's Failure In Showing Documents	+$138	$1,560
Driving With An Expired Registration	+$146	$1,568
Driving At A Considerably Slow Pace	+$309	$1,731
Using A Cellphone While Driving	+$326	$1,748
Running A Red Light	+$331	$1,753
Speeding	+$348	$1,770
Driving A Vehicle Without The Required Permission	+$442	$1,864
Driving With An Expired/Suspended License	+$958	$2,380

Corpus Christi, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,365
Active Disabling Device	$1,365
Tracking Device	$1,337
Passive Disabling Device	$1,322

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Latest Auto Insurance Reviews in Corpus Christi, TX | Back to Top