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Beth Swanson

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Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Susan is a licensed insurance agent and has worked as a writer and editor for over 10 years across a number of industries. She has worked at The Zebr…

How much does car insurance cost in Corpus Christi?

Corpus Christi's warm temperatures and proximity to the ocean are attractive traits, but the average rate of auto insurance in the city is also attractive compared to other cities by the sea. You can find a six-month policy for about $996 ($166 per month) in Corpus Christi, and the cheapest company for car insurance is GEICO. According to our data, GEICO's rate is $716 for a six-month policy. State Farm also follows closely behind in affordability.

Car insurance rates in Corpus Christi are right on par with the average Texas rate, which is $993, or $165 per month. But the city's average rate is higher than that of the national average, which is at $880. When it comes to cheap auto coverage for Corpus Christi residents, our data shows that 45% of customers reported they are paying too much for their insurance.  

If you're wondering whether your current rates are typical for Corpus Christi drivers, or simply want to understand more about the inner workings of auto insurance, we're here to help you out. We've got the information you need when it comes to how car insurance rates are calculated, from why your credit score matters to what neighborhood you live in.

Car Insurance in Corpus Christi vs. Texas

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Car Insurance in Corpus Christi vs. Texas Avg. 6 Mo. Premium
Corpus Christi Average $996
Texas Average $993

Source: The Zebra

The cheapest car insurance companies in Corpus Christi

1st place medal
1st place: GEICO

GEICO is the cheapest of the companies we looked at in Corpus Christi, with the average rate for a 6-month policy at $716, or about $119 per month.

2nd place medal
2nd place: State Farm

In second place is State Farm, which costs an average of $132 per month, or $794 per six-month policy.

3rd place medal
3rd place: Texas Farm Bureau

Third on our list of the most affordable auto insurers in Corpus Christi is Texas Farm Bureau. On average, a Farm Bureau policy in Corpus Christi costs $851 per six-month policy, which breaks down to $142 per month.

The Zebra's key takeaways about car insurance in Corpus Christi:

  • The average cost of a car insurance policy in Corpus Christi is $996 per six-month policy — $166 per month.
  • The cheapest company in Corpus Christi is GEICO (an average of $119 per month).
  • Corpus Christi's average rate is comparable to the Texas state average rate .
  • 45% of our customers in Corpus Christi say they're shopping for rates via our marketplace because they're paying too much for car insurance.

Are you paying too much for auto insurance?

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Corpus Christi car insurance rates by company

Our recent data shows that the cheapest company for full coverage car insurance in Corpus Christi is GEICO at $119 per month, or $716 per six-month policy, while the second cheapest is State Farm at $132 per month, or $794 for a six-month policy.

Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.


Cheapest car insurance companies in Corpus Christi, TX
Cheapest Car Insurance Companies in Corpus Christi, Texas

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Company Avg. 6 Mo. Premium
GEICO $716
State Farm $794
Texas Farm Bureau $851
USAA $861
Nationwide $916
Progressive $1,105
Allstate $1,268

Source: The Zebra

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around to find the best rates

When people ask us what the best way to save on car insurance is, it's a simple answer. Shop around! As a consumer, your time and money are both valuable, so let our comparison tool help you out. Enter your ZIP code to see rates from Progressive, Allstate, GEICO and State Farm (+ other top companies) to find the car insurance that meets your needs, and your budget, in Corpus Christi.

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Average car insurance in Corpus Christi by rating factor

The price you pay for car insurance doesn't always depend on how you drive. Yes, driving habits are a key component, but there are other factors that are taken into consideration, such as credit score and age. Most companies use the same rating factors but may weigh their importance differently. For instance, some insurers may place a higher priority on credit scores while others look more closely at previous claims history. This is why it's important to get quotes occasionally to be sure you're getting the cheapest rate.

Q: I didn't have an accident — Why is my insurance going up?

A: End-of-year earnings (revenue of premiums versus the cost of paying insureds’ claims) are a critical factor in Corpus Christi auto insurance rates. You may be a fantastic driver with zero claims, but you could still pay more for insurance with a certain company simply because the cost of doing business has gone up.

Auto insurance premiums by age in Corpus Christi

Age is another key ingredient that goes into your insurance quote. It's important to remember that auto insurance companies are in the business of assessing risk, and in their analysis, they look at the demographics to see which group is more likely to file a claim. Unfortunately, teen drivers have an accident rate that is much higher than any other age group, which means they face the highest price tags for insurance coverage. For teens in Corpus Christi, car insurance can cost over $3,000 more per year than for someone who is 20-24 years old. This is almost $300 more per month!

Teens and their parents alike can often be surprised at the high price of car insurance. Just remember that it is strictly business. Also, it won't last forever — after a few years of safe experience behind the wheel things will become much more affordable. But in the meantime, companies have to account for the high number of claims by teen drivers with higher rates for that age bracket. 

Cheapest car insurance companies for teen drivers in Corpus Christi, TX
Cheapest Car Insurance Companies for Teen Drivers in Corpus Christi, TX

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Company Avg. 6 Mo. Premium
Texas Farm Bureau $1,608
GEICO $1,827
USAA $1,875
State Farm $2,641
Nationwide $3,312
Progressive $5,325
Allstate $5,631

Source: The Zebra

Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s GEICO $885
30s Texas Farm Bureau $779
40s USAA $766
50s Texas Farm Bureau $688
60s Texas Farm Bureau $641
70s Texas Farm Bureau $697

Zebra Tip: The cheapest companies for Corpus Christi drivers between 20-30 are GEICO, Texas Farm Bureau and USAA .

25% of drivers in Corpus Christi falls between the ages of 20-29, according to our research and data. On average, this group pays $1,279 every six months, but by choosing one of these specific insurance companies, drivers in this age category can potentially save 25%. Keep in mind that USAA is only available to members, so be sure to check your eligibility.

Auto insurance premiums for minimum coverage in Corpus Christi

As we've noted, there are factors that are both within and outside your control. One thing you can adjust on your end to tweak your insurance rates slightly is your coverage level, which has a direct impact on the premium you'll pay. Our research shows that 29% of Corpus Christi drivers have the state minimum coverage. Carrying the state minimum can be a money-saving technique, but it also leaves you at risk of being underinsured, which could cost you much more in the long run.

Many drivers opt for both collision coverage or comprehensive coverage (commonly known as "full coverage" when purchased together) because although it does increase your rates, it can provide much more peace of mind behind the wheel. Comprehensive and collision coverage usually requires a deductible, which will also impact your rates — but maybe in a more positive way than you'd think! The deductible you choose to carry can either increase or lower your rate. If you're willing to have a higher deductible, say, $2,500 instead of $1,000, then your insurance rate will actually go down. You can use this to your benefit when fine-tuning your coverage.

You may also want to carry extras like roadside assistance or uninsured motorist coverage. Yes, these additions can increase your rates, but The Zebra's insurance experts recommend carrying them for both peace of mind and practicality in the event of an accident. 

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

According to our research, 55% of Corpus Christi drivers have leased vehicles. If you're leasing or financing your car you generally have to carry a certain amount and type of coverage on the vehicle until it's paid off. But if you own your car in full, you might consider dropping comprehensive or collision coverage to save some money. We recommend getting the actual cash value of your vehicle via Kelley Blue Book or another reputable source before cutting coverage, though. Typically, if your vehicle is worth less than $4,000, you probably don't need collision coverage. Just be prepared to pay out-of-pocket in case you're involved in a collision-type accident and no longer carry the coverage.

Cheapest car insurance companies for minimum coverage in Corpus Christi, TX
Average Rates for Minimum Coverage in Corpus Christi, TX

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Company Avg. 6 Mo. Premium
GEICO $314
USAA $318
Allstate $353
Texas Farm Bureau $409
State Farm $409
Progressive $458
Nationwide $492

Source: The Zebra

  • Minimum: State liability coverage only
  • Basic: State liability + collision and comprehensive (full) coverage
  • Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
  • Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.

48% of The Zebra's customers in Corpus Christi opt for the basic level of coverage. But this doesn't necessarily mean it's the best option for you. We do understand that saving money is important, but carrying only the state minimum can put you at risk if you're involved in an accident where damages exceed your limits.

Texas' 30/60/25 liability limits provide coverage for damage you cause up to $30,000 per person in bodily injury, $60,000 per accident in bodily injury, and $25,000 for property damage. Take the time to consider whether the bare minimum is actually the best option and whether there may be alternative ways to save money on your auto insurance. It may be sufficient coverage for basic fender-benders, but if you're involved in an accident with multiple vehicles or bodily injuries then you might not have enough insurance.

Learn more about insurance laws in Texas.

Corpus Christi car insurance rates by credit score

Along with age and coverage level, another factor in calculating insurance rates is your credit score. Texas, along with most other states, includes this when calculating car insurance premiums. But what does your credit have to do with your driving? Well, historical analysis has shown that lower credit scores correlate with risky driving behaviors, lapses in insurance coverage, and a higher likelihood of filing claims. Since these risks are associated with bad credit, the lower your credit the more you'll pay for car insurance.

The difference in price can be substantial regardless of the city, but in Corpus Christi drivers with poor credit (300-579) pay 107% more than drivers with excellent credit (800-850)! Our data tells us 38% drivers in Corpus Christi have a credit score in the  average (580-679) category. In2024, GEICO is the cheapest option for Corpus Christi drivers for this credit range.

car insurance in Corpus Christi by credit score
Cheapest car insurance companies for bad credit in Corpus Christi, TX
Cheapest Car Insurance Companies for Bad Credit in Corpus Christi, TX

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Company Avg. 6 Mo. Premium
GEICO $1,092
Nationwide $1,435
Texas Farm Bureau $1,600
State Farm $1,621
USAA $1,716
Allstate $1,923
Progressive $1,946

Source: The Zebra

Zebra Tip: If your credit score has improved, get new auto insurance quotes!

To find affordable auto insurance, your credit doesn't have to be in the "Excellent" category. In Corpus Christi, our data shows drivers with "Fair" credit pay $972 less for car insurance in a year than drivers with "Poor" credit! If you've made positive changes that have improved your credit score recently (such as paying off a loan) then it could be a great time to get new quotes and save some money.

Auto insurance rates with an at-fault accident

We don't typically get in our cars anticipating a wreck, but it does happen, and at-fault and collision-type accidents are the most common type of insurance claims. As of 2024, an at-fault accident increased car insurance rates in Corpus Christi by an average of $40 to $100 per month. According to our research, the cheapest insurance company in Corpus Christi after an at-fault accident is State Farm.

The best way to avoid rate increases is to avoid accidents when possible, and do your best to drive safely. A driving record that is incident-free shows insurance companies that you are safe on the road, therefore lowering your risk of a claim and keeping your rates down. Speeding citations, reckless driving charges, DUIs, and at-fault accidents all result in rate increases — and most of these increases last for several years! Typically, at-fault accidents and speeding tickets will be on your record for three to five years whereas DUIs or DWIs can follow you even longer. 

Cheapest car insurance companies after an at-fault accident in Corpus Christi, TX
Average Rates After an At-Fault Accident in Corpus Christi, TX

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Company Avg. 6 Mo. Premium
State Farm $963
GEICO $1,044
USAA $1,308
Texas Farm Bureau $1,360
Nationwide $1,497
Progressive $1,609
Allstate $2,011

Source: The Zebra

Corpus Christi car insurance rates by violation

The table below shows specific violations and incidents that can cause your car insurance rates to increase in Corpus Christi. A speeding ticket may not seem like a big deal at first, but the extra charges can add up to hundreds each year.

Car insurance rate increases after violations and citations in Corpus Christi, TX
Rates in Corpus Christi, TX After Violation

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Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
None $996 0% $0
One Med/PIP claim $1,004 1% $9
One comp claim $1,057 6% $61
Not-at-fault accident $1,061 7% $66
Failure to show documents $1,063 7% $68
Driving with expired registration $1,072 8% $76
Two Med/PIP claims $1,075 8% $79
Failure to wear a seat belt $1,078 8% $82
Driving without lights $1,079 8% $84
Child safety restraint $1,086 9% $91
Texting while driving $1,105 11% $110
Cell phone violation $1,105 11% $110
Speeding 11 - 15 MPH over limit $1,108 11% $112
Speeding 6 - 10 MPH over limit $1,108 11% $112
Speeding 16 - 20 MPH over limit $1,108 11% $112
Speeding in school zone $1,112 12% $117
Driving too slowly $1,112 12% $117
Two comp claims $1,114 12% $119
In 65 MPH zone $1,115 12% $119
Failure to stop at a red light $1,115 12% $120
Improper passing $1,118 12% $123
Speeding 21 - 25 MPH over limit $1,119 12% $124
Wrong way/wrong lane $1,122 13% $126
Failure to yield $1,123 13% $128
Illegal turn $1,123 13% $128
Following too closely $1,126 13% $130
Passing school bus $1,131 14% $135
Operating a vehicle without permission $1,137 14% $141
At-fault accident - less than $1000 $1,233 24% $237
Driving with a suspended license $1,396 40% $401
Racing $1,400 41% $405
Reckless driving $1,422 43% $426
Leaving scene of an accident/hit and run $1,447 45% $452
Open container $1,483 49% $488
At-fault accident - $1000-$2000 $1,587 59% $592
At-fault accident - greater than $2000 $1,593 60% $597
Refusal to submit to a chemical test $1,671 68% $675
DUI $1,690 70% $695

Source: The Zebra

Why is car insurance in Corpus Christi so expensive?

Auto insurance varies from city to city for multiple reasons. Let's look at some common themes for high rates in cities, including Corpus Christi. Here are a few of the main reasons why insurance can feel expensive where you live. 

Business costs

Most cities have experienced an increased cost of living for residents which typically means an increased cost of doing business for auto insurers. As people move to a certain area, most things tend to increase in price in that area as it deals with the influx of people.


Why does a specific location matter? Cities tend to have certain areas that are more prone to crime, which then makes them riskier for insurance companies. If you live in a high-crime area you will likely pay more for auto insurance than someone who lives in a safer part of town. Take a look at the Corpus Christi ZIP codes listed to get an idea of where insurance may be cheaper or more expensive.

Expensive Corpus Christi ZIP codes: 78416, 78415, 78401, 78419, 78417

Cheap Corpus Christi ZIP codes: 78418, 78410, 78406, 78409, 78413


Corpus Christi, like most cities, has a lot of people. This seems obvious enough, but consider that risk on the road also goes up along with the population. Growing cities mean more vehicles on the road, and the more vehicles there are on the road the more accidents will happen. As more claims increase operating costs for insurance companies, these costs are then passed along to consumers in the form of higher rates (regardless of individual driving habits).


Texas often experiences intense weather-related situations, from fires to ice storms and everything in between. In 2021, Texas actually played host to 5,576 wildfires, burning over 168,000 acres! It also ranked number one in 2022 for hail events by state, as well as dealt with 160 tornadoes last year.[1] Another aspect of weather that can happen in just about every region is flooding, which may be enough of a reason on its own to carry comprehensive (even if you own your vehicle in full).

Zebra Tip: Consider uninsured property damage coverage

According to our data, about 67% of drivers in Corpus Christi are currently insured, but that means that the rest of the drivers on the road aren't. You might be curious why someone else's lack of insurance can affect you. Basically, if you’re hit by an uninsured driver in Corpus Christi, you could be left to foot the bill for damages because of their lack of coverage.

Uninsured motorist coverage (also called UMPD) can be a worthwhile addition to your auto insurance coverage if you live in an area with a high rate of uninsured drivers. If you're involved in an accident with an underinsured or uninsured driver and suffer damage, then this coverage steps in. UMPD claims also affect your rates much less than a collision claim would, and UMPD generally has a lower deductible.

Bundling insurance policies in Corpus Christi

When people ask how to save money on auto insurance, one of the first suggestions is to bundle policies. By combining your homeowners or renters insurance with your auto policy, you could see a discount quickly and easily. Learn more about bundling home and car insurance.

If you currently have separate policies for your home and car, then take some time to shop around and see which insurance company might have bundling options to help save you money and keep the coverage you need. 

bundling home and auto insurance in Corpus Christi
Cheapest car insurance companies for bundling home and auto insurance in Corpus Christi, TX
Cheapest Car Insurance Companies for Bundling Home and Auto Insurance in Corpus Christi, TX

Updating data...

Company Avg. 6 Mo. Premium
State Farm $668
GEICO $670
Texas Farm Bureau $775
USAA $789
Nationwide $825
Progressive $933
Allstate $1,061

Source: The Zebra

As you've learned, there are factors that go into an insurance rate that you can control and others you can't. Focus on making your profile appealing to insurers by driving safely and avoiding citations. You can work on improving your credit, too. But when it comes to choosing a company, take the time to shop around! Get quotes from multiple companies so you can compare side-by-side to find the rate that meets your budget, the coverage that makes you feel secure and the customer service you deserve. 

We suggest getting new quotes about every six months, but at the very least, when you have a major life change (such as celebrating a milestone birthday, moving to a new area or improving your credit score). Switching insurance companies can feel a little awkward, but at the end of the day, it's up to you as a consumer and driver to make a decision to fit your unique situation. If you find a better option, then don't be afraid to make a change! 

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

The average for a six-month auto insurance policy in Corpus Christi is $996 for a six-month policy or $166 per month. This is on-par with the Texas state average of $165 per month.

GEICO is the carrier with the cheapest rates in Corpus Christi, coming in at an average of $716 per six-month policy, or $119 per month.

Teenagers in Corpus Christi pay an average of $2,992 for a six-month policy or almost $500 per month. Teen drivers pay much more when they have their own auto policy. We recommend that younger drivers be added to a parent's insurance policies to make the cost more affordable.

Find affordable rates in minutes!

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How much is car insurance near me? Explore more cities near Corpus Christi, TX

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Car insurance near me 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 editorial 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.