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Buying car insurance is often confusing, but Bankrate has done the work to find the best cheap car insurance in Corpus Christi. Based on our research, for full coverage, the average cost of auto insurance in Corpus Christi is $1,779 per year, or $148.25 per month, and $581 per year for minimum coverage. State Farm, Geico, Esurance, Mercury Insurance, and USAA are the cheapest auto insurance companies we found for Corpus Christi drivers.

Best Cheap Car Insurance Companies in Corpus Christi

Based on data provided by Quadrant Information Services, State Farm, Geico and Esurance offer the lowest average car insurance rates for drivers in Corpus Christi. Bankrate rates auto insurance companies on a five-point scale to measure a provider’s affordability, availability, and customer satisfaction based on the 2022 JD Power Auto Insurance Study, financial strength and rates. This analysis led our editorial team to a short list of the best cheap car insurance companies in town that consumers can use to start their quote comparison journey when shopping for a car insurance policy.

state farm 4.7 851/1000 $1,242 $460
Geico 4.7 843/1000 $1,319 $449
Insurance 4.2 Unclassified $1,402 $505
Mercury 4.1 Unclassified $1,407 $465
USAA 5 885/1000 $1,447 $470

state farm

State Farm offers affordable rates and has over 20 Corpus Christi Officers. The provider offers an impressive array of optional coverages, including car rental and travel expenses and ride-sharing coverage. However, gap insurance is not an option. State Farm’s bundled options could also provide you with substantial savings when purchasing a combination of auto, condo, home, life, or renters insurance.

Learn more: State Farm Insurance Review

Geico

Geico offers cheap average minimum and full coverage rates for Corpus Christi drivers. In addition to all the standard types of coverage you need, Geico also offers optional Mechanical Breakdown Insurance, which covers all parts and systems, with an affordable deductible. However, its additional coverage options are limited compared to the other carriers on our list. Still, the carrier offers more than a dozen ways to lower your premium, including good driver, good student, military, multi-police, new vehicle, and safety and security equipment discounts.

Learn more: Geico Insurance Review

Insurance

Esurance, an Allstate company, offers DriveSense, a usage-based car insurance program that offers a discount for signing up and rewards you with discounts for safe driving habits. The insurer also has a mobile app, which allows you to access your insurance ID card, file a claim and request roadside assistance from your mobile phone. Although the insurer is not rated by JD Power, it receives positive ratings from policyholders and offers competitive rates compared to the city average.

Learn more: Esurance Insurance Review

Mercury Insurance

Mercury offers affordable auto insurance in Corpus Christi and offers many discounts to lower your rate even further. Beyond the standard coverage, Mercury also offers optional roadside assistance coverage, which covers battery jump starts, emergency fuel and fluid delivery, locksmith service, tire changes and towing. Mercury sells auto insurance in Corpus Christi through five independent agencies. Mercury isn’t available nationwide, which may be worth considering for drivers planning to move to a state the company doesn’t cover in the near future.

Learn more: Mercury Insurance Review 2022

USAA

USAA has the highest JD Power and Bankrate scores, but it does not qualify for the JD Power rating because it only sells insurance to members of the U.S. military, veterans, and qualified members of their family. USAA is offering up to 10% off members who bundle auto and home insurance policies and up to 60% off for service members who park their vehicles while deployed. The provider’s portfolio includes business, health, life, long-term care, property and vehicle insurance, as well as banking, investment and retirement products.

Learn more: USAA Insurance Review

How to get and keep the cheapest car insurance in Corpus Christi

The best way to find the cheapest car insurance in Corpus Christi is to shop around, but keep these tips in mind in order to find and keep your rates low.

  • Research customer service. Although rates are important, it is important to purchase insurance from an insurer that has reliable customer service and a good financial strength rating. You can find JD Power’s customer satisfaction scores and AM Best’s financial strength ratings online to see how a supplier might fare.
  • Ask your insurance agent about discounts. Once you have a policy, you may be able to lower your rate further by ensuring that any applicable discounts have been added to your policy, such as savings available for safe drivers.

Frequently Asked Questions

Methodology

Bankrate uses Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted by population density in each geographic region. Rates quoted are based on a 40 year old male and female with a clean driving record, good credit and the following full coverage limits:

  • Civil liability of $100,000 in bodily injury per person
  • Civil liability of $300,000 in bodily injury per accident
  • Civil liability of $50,000 in property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 aggregate deductible

To determine minimum coverage limits, Bankrate has used a minimum coverage that meets each state’s requirements. Our basic profile drivers own a 2020 Toyota Camry, commute five days a week, and drive 12,000 miles a year.

These are sampling rates and should only be used for comparison purposes.

Discount Rate Scores

Discount rate scores are calculated on a five-point scale and primarily reflect a weighted ranking of industry standard ratings for financial strength and customer experience, in addition to analysis of annual bonuses cited by Quadrant Information Services, covering all 50 states and Washington, DC We know it’s important for drivers to be confident that their financial protection covers the most likely risks, is competitively priced and is provided by a company financially sound with a track record of positive customer support.

To determine how well the best auto insurance companies meet these priorities, third-party agency ratings of J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on corporate Bankrate Scores. Since price is a common driver consideration, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, rated on nearly 35,000 U.S. zip codes, has provided a basis on which drivers can compare each supplier.

While coverage options, insurer availability, affordability and customer experience are often top priorities, Bankrate also analyzed each insurer’s online and mobile resources for managing policies and handling claims. Insurance is changing rapidly to keep pace with our digital world, so these aspects have also weighed in determining the exchange rate scores.

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