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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 Average (annual) Texas Average National Average
$1,416 $1,415 $1,548

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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.

Insurer Average Rate (annual)
USAA $1,196
GEICO $1,237
State Farm $1,273
Allstate $2,361

Read our guide to finding the best cheap auto insurance.

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.

Age group Average Annual Rate
Teenagers $3,587
20s $1,837
30s $1,395
40s $1,363
50s $1,237
60s $1,282
70s $1,576

Learn more about how age influences auto insurance rates.

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.

Gender/Marital Status Average Annual Rate
Female $1,410
Male $1,416
Single $1,329
Married $1,329
Divorced $1,416
Widowed $1,294

Read more about the relationships between gender, marital status and insurance rates.

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.

Violation/Incident Average Annual Rate
DUI/DWI $2,198
Reckless Driving $2,179
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

Get more info on how a bad driving history can impact your car insurance costs.

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.

Credit Tier Average Yearly Rate
Very Poor $2,966
Fair $1,761
Good $1,416
Very Good $1,315
Exceptional $1,169

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

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

Be Prepared For

Driving in Corpus Christi

Major Highways
I-37 U.S. 77 U.S. 181
Public Transit


Find Local Corpus Christi Agents

Kingsbury Agency Insurance

3038 S Alameda St, Corpus Christi, TX 78404

Borden Insurance

210 S Carancahua St 4th Floor, Corpus Christi, TX 78401

Bjella Insurance

4925 Everhart Rd Ste 112, Corpus Christi, TX 78411

Keetch & Associates

1718 Santa Fe, Corpus Christi, TX 78404

Swantner & Gordon Insurance Agency, LLC

500 N Shoreline Ste 1200, Corpus Christi, TX 78471

Carlisle Insurance Agency Inc

500 North Water #900, Corpus Christi, TX 78471

Moore Insurance Agency

500 N Water St. Ste. 702, Corpus Christi, TX 78401


The average Corpus Christi resident's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 231 cups of coffee or $578 in savings

See How Much You Can Save in Corpus Christi

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.