How much is auto insurance in Corpus Christi?
The typical Corpus Christi driver pays $1,416 per year for auto insurance. That's more than the statewide average in Texas ($1,415) and less expensive than the national average of $1,548. Our guide to Corpus Christi car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
CORPUS CHRISTI CAR INSURANCE RATES
|Corpus Christi Average (annual)||Texas Average||National Average|
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Corpus Christi auto insurance premiums by provider
The difference in auto insurance rates from company to company can be substantial. For a typical insurance customer, USAA provides Corpus Christi's cheapest rates. See below the best options for affordable auto insurance in Corpus Christi. Don't forget to get car insurance quotes based on your driving profile.
CORPUS CHRISTI AUTO INSURANCE PREMIUMS BY COMPANY
|Insurer||Average Rate (annual)|
Corpus Christi car insurance premiums by age
The best age for car insurance rates as a driver in Corpus Christi is your 50s: drivers in this age group pay an average of $1,237per year. Those in their 60s don't pay significantly more ($1,282).
Teenage drivers pay Corpus Christi's most expensive car insurance rates. When drivers hit their 20s in Corpus Christi and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Corpus Christi is $1,751. That's the biggest gap in premiums between any pair of age brackets.
CORPUS CHRISTI AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age group||Average Annual Rate|
Corpus Christi car insurance rates by marital status and gender
In some cases, a driver's marital status and gender may affect their car insurance rates. In Corpus Christi, married drivers pay $87 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Corpus Christi, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can impact auto insurance costs. In Corpus Christi, male drivers pay $6 more per year for car insurance than do female drivers.
INSURANCE RATES IN CORPUS CHRISTI BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
Corpus Christi car insurance costs by violation history
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Corpus Christi drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $763 per year versus the city average. A ticket for speeding results in a $120 rate hike while a DWI or DUI violation costs $782per year in extra insurance expenditures.
CORPUS CHRISTI CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation/Incident||Average Annual Rate|
|At-fault Accident (damages < $1,000)||$1,800|
|At-fault Accident (damages greater than $2,000)||$2,148|
|Speeding Ticket (16-20 mph over speed limit)||$1,537|
Corpus Christi car insurance premiums by credit score
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Corpus Christi drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 61% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Corpus Christi, improving your credit to "Fair" could help you earn a $1,206 decrease in annual car insurance rates.
CORPUS CHRISTI CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Tier||Average Yearly Rate|
What drives up car insurance rates in Corpus Christi?
Where you live in Corpus Christi affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Corpus Christi is no exception to the rule. From ZIP code 78404 to 78401, premiums rise by 10 percent—that’s $141.
Expensive Corpus Christi ZIP codes: 78416, 78414, 78409, 78419, 78401
Cheap Corpus Christi ZIP codes: 78404, 78411, 78406, 78413, 78407
Corpus Christi Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Corpus Christi, you can expect 55 rainy days with an annual rainfall of 29 inches. Corpus Christi is also known to experience thunderstorms and flash floods.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Corpus Christi
Find Local Corpus Christi Agents
Carlisle Insurance Agency Inc
500 North Water #900, Corpus Christi, TX 78471
Swantner & Gordon Insurance Agency, LLC
500 N Shoreline Ste 1200, Corpus Christi, TX 78471
Keetch & Associates
1718 Santa Fe, Corpus Christi, TX 78404
Kingsbury Agency Insurance
3038 S Alameda St, Corpus Christi, TX 78404
210 S Carancahua St 4th Floor, Corpus Christi, TX 78401
4925 Everhart Rd Ste 112, Corpus Christi, TX 78411
Moore Insurance Agency
500 N Water St. Ste. 702, Corpus Christi, TX 78401
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