Cheapest Auto Insurance in Corpus Christi, Texas (2025)

The average cost of car insurance in Corpus Christi, Texas, is $214 per month for full coverage and $134 per month for liability-only coverage. Perhaps due to the city’s coastal location and risk of hurricanes, car insurance rates in Corpus Christi are slightly more expensive than the national averages of $184 and $104.

If you’re looking for the cheapest car insurance in Corpus Christi, it’s a good idea to shop around and compare quotes from multiple insurers. Here’s what you need to know about finding auto coverage in Corpus Christi.

6 of the cheapest car insurance companies in Corpus Christi

Drivers in Corpus Christi have varying car insurance needs. The best car insurance company for you depends on your unique coverage needs and driver profile. Here are a few of the best car insurance companies in Corpus Christi in different categories.

Best insurer for cheap rates: State Farm

Best insurer for military families: USAA

Best insurer for discounts: GEICO

How to get the cheapest car insurance in Corpus Christi

You can save money on your auto insurance policy in Corpus Christi in many different ways. Here are some tips for getting the cheapest car insurance for you:

• Look for discounts. Many car insurance companies offer a wide variety of discounts, which can lower your premium. For example, you might be able to save money by taking a defensive driving course, insuring multiple cars, or insuring a new car.

• Bundle your policies. You can often get a cheaper car insurance premium when you bundle auto insurance with homeowners insurance or renters insurance.

• Choose a high deductible. Increasing your collision or comprehensive deductible will typically lower your monthly car insurance premium. But keep in mind that setting a high deductible means you’ll get a reduced settlement if you have a claim.

• Pay your premium in full. Most car insurance companies in Corpus Christi offer a small discount if you pay your annual premium up front and in full.

• Maintain a clean record. Drivers with no accidents, tickets, or other moving violations usually pay the lowest prices. Maintaining a clean record will help you get the cheapest premium for your situation.

Cheapest liability-only car insurance in Corpus Christi: State Farm

“Texas vehicle owners are required to maintain minimum liability coverage,” says Nick Schrader, a licensed insurance agent at Texas General Insurance.

Liability car insurance covers your financial responsibilities if you cause an accident that results in bodily injury or property damage. It’ll cover only the other driver’s medical expenses if they get hurt, as well as their vehicle repairs if the car is damaged. It doesn’t cover your vehicle.

The average monthly rate for liability coverage in Corpus Christi is $134. In the table below, you can see which car insurance companies in Corpus Christi have the cheapest quotes for liability-only insurance.

Cheapest full-coverage car insurance in Corpus Christi: State Farm

Full-coverage car insurance offers more protection than liability-only coverage. With a full-coverage policy, you get collision and comprehensive insurance, which pay for your vehicle’s repairs after an accident or another covered loss. It also includes liability insurance and may include medical payments insurance.

Your lender might require you to carry full-coverage insurance if you lease or finance your vehicle. You should also consider this coverage if you drive a new or expensive vehicle that would cost a lot to repair or replace.

Full-coverage car insurance in Corpus Christi costs an average of $214 per month. The following car insurance companies have the cheapest full-coverage quotes in Corpus Christi.

Car insurance requirements in Texas

Car insurance is a legal requirement in Texas, and all drivers must carry a minimum amount of coverage. If you own a vehicle, you must carry the required amounts of liability insurance to cover your financial responsibilities in the event of an at-fault accident.4

Texas is an at-fault state. In the event of an accident, this means the at-fault driver is responsible for compensating the other driver for their losses, including medical bills and vehicle damage. If you don’t have enough insurance to cover the other person’s losses, they may sue you for the difference.

Texans must carry the following amounts of auto coverage to drive legally:

When you purchase car insurance in Texas, all policies automatically include personal injury protection (PIP), and insurers need to offer you uninsured/underinsured motorist coverage (UM/UIM) too. You can opt out of both coverages in writing. You may decide to purchase these and other add-ons for greater vehicle protection.

Common insurance add-ons include the following:

Cheapest car insurance for drivers with an incident

Drivers with an incident on their record, like a speeding ticket or an at-fault accident, usually pay more for car insurance than drivers with clean records. Having certain violations on your record can make you riskier to insure. More serious violations, like driving under the influence, typically have the biggest effect on your car insurance premium.6

Cheapest car insurance for drivers with a speeding ticket: State Farm

If you get pulled over for speeding, it can affect your car insurance premium. Compared to other violations, speeding tickets usually have a smaller effect. But the price increase after a speeding ticket will depend on your insurance company and the severity of your offense. Generally, a speeding ticket will affect your premium for three to five years.

The average monthly cost of full coverage for Corpus Christi drivers with speeding tickets is $256. Liability averages $161 per month. In the table below, you can see which car insurance companies in Corpus Christi are the cheapest for drivers with a speeding ticket on their record.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Causing an accident makes you riskier to insure, which can affect the cost of your car insurance policy even more than a speeding ticket. Unless you pay for an endorsement like accident forgiveness, you can typically expect your insurance premium to go up for three to five years after a collision. Even if you weren’t at fault, some Texas insurance companies might raise your premium anyway.

If you have an accident on your record, it’s a good idea to shop around every year and compare quotes from several insurers. Some insurance companies have cheaper prices than others for drivers with an at-fault accident.

On average, Corpus Christi drivers with at-fault accidents face rates of $170 per month for liability coverage and $272 per month for full-coverage policies. These Corpus Christi insurance companies have the lowest average quotes for drivers with an at-fault accident.

Cheapest car insurance for drivers with a DWI: State Farm

A DWI conviction is one of the most serious traffic violations. If you get caught driving while intoxicated, your car insurance premium will almost certainly increase significantly. Texas has serious consequences for drivers who get a DWI, including a fine of up to $2,000 and up to 180 days in jail for a first offense.7 And in Texas, a DWI conviction stays on your record permanently, unless you’re able to have your record sealed or expunged.

In Corpus Christi, drivers with DWI convictions have average monthly car insurance premiums of $261 for full coverage and $164 for liability only.

While car insurance for drivers with a DWI is more expensive, quotes vary by insurance company. In the table below, you can see which car insurance companies in Corpus Christi are the cheapest for drivers with a DWI.

Cheapest car insurance for seniors: State Farm

Your age is one of the biggest factors that can affect your car insurance premium in Texas. Rates tend to decrease around age 35 and start to increase again around age 70. That means seniors often pay higher car insurance rates than younger drivers due to increased physical vulnerabilities insurers may view as indicators of risk.

Senior drivers in Corpus Christi pay an overall average of $147 per month for car insurance. In the table below, you can see which car insurance companies in Corpus Christi have the cheapest average quotes for senior drivers.

Cheapest car insurance for teens: State Farm

Newly licensed teen drivers generally pay the most for car insurance because they have the least experience on the road. Data shows that teen drivers have higher accident rates than older drivers, and they tend to make more critical driving errors that can lead to serious crashes.8

Car insurance for teen drivers in Corpus Christi costs an average of $261 per month for liability-only policies and $417 for full coverage.

Although most teen drivers pay high premiums, you can still find ways to get more affordable coverage. For example, teens who stay insured on a parent’s policy usually pay less for car insurance. Additionally, many car insurance companies offer discounts that teens can qualify for, including for having good grades, attending college a certain number of miles away from home, completing a driver safety course, and insuring a new car. Teens can’t get their own car insurance policies without written consent from a parent or guardian.

Below, you can find the cheapest car insurance companies in Corpus Christi for teens.

Corpus Christi car insurance quotes by credit tier

Texas law allows car insurance companies to consider your credit history when calculating your car insurance premium. People with good credit typically pay less than people with bad credit.

In the chart below, you can see the average monthly full-coverage car insurance quotes in Corpus Christi based on different credit tiers.

Is car insurance more expensive in Corpus Christi?

Car insurance in Corpus Christi is more expensive than the nationwide average. In Corpus Christi, the average monthly rate is $214 for full coverage and $134 for liability coverage. For comparison, the U.S. national average rate is $184 per month for full coverage and $104 per month for liability coverage. On average, Texans pay $172 per month for auto coverage.

Location-specific factors, like weather risks, accident rates, and the number of uninsured drivers on the road, can influence car insurance rates in different cities and ZIP codes. Corpus Christi residents pay a bit more for coverage than drivers in other Texas cities — perhaps because the city’s location on the coast increases the risk of damages from tropical storms.

More cities in Texas

Your premiums will vary depending on where you live in Texas. Below, you can see how average monthly car insurance quotes in some other Texas cities compare to insurance costs in Corpus Christi.