Corpus Christi Car Insurance

How much does car insurance cost in Corpus Christi, TX? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Corpus Christi?

Corpus Christi is a city in Texas situated on the Gulf of Mexico. The city is tucked into a bay and its beaches are sheltered by the Padre and Mustang islands. Corpus Christi has 192 square miles of shoreline. Locals in Corpus Christi like to keep their beaches clean and join in the city’s annual Big Shell Beach Clean Up each year.

Because of high winds, Corpus Christi is one of the best cities in North America for kiteboarding, windsurfing, sailing and kite flying. The city has even hosted the Windsurfing World Championships.

In 1519, a Spanish explorer discovered this city on the Roman Catholic feast day of Corpus Christi and named it after the holiday. The city’s name means “body of Christ” in Latin. Interestingly, the city has a second nickname, “sparkling city by the sea.”

Corpus Christi is home to Naval Air Station Corpus Christi, the largest employer in the city. Tourism and the oil industry play strong roles in the local economy. The Port of Corpus Christi is the fifth largest port in the United States and handles mostly oil and agriculture products.

Corpus Christi is the original home of Whataburger, a fast food chain that now has restaurants in 10 states. In addition to fast-food burgers, authentic Mexican food can be found throughout the city, and seafood restaurants are popular as well.

The Texas State Aquarium with its touch pools, aquatic nursery and shark exhibit is located on the city’s North Beach, Nearby, you’ll find a World War II aircraft carrier, the USS Lexington, which houses a naval aviation museum.

The Selena Museum pays tribute to the Tejano singer who was born and raised in Corpus Christi. There is a life-size, bronze statue of Selena located at the Corpus Christi Bayfront Seawall.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Corpus Christi typically pay around $125.20 per month compared to the national average of $146.44 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $146.44
Texas $130.14
Corpus Christi, Texas $125.20

Corpus Christi, TX Best Car Insurance Companies

car insurance in Corpus Christi

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Dairyland® generally has the most affordable car insurance in Corpus Christi coming in around $85.00 per month. Other companies to consider if you live in Corpus Christi is Texas Farm Bureau Group with an average cost of $89.49 per month and Clearcover which typically runs around $94.91 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Corpus Christi.

RankCompanyAverage Monthly RateComparison State Average
1 Dairyland® $85.00-34.68%
2 Texas Farm Bureau Group $89.49-31.24%
3 Clearcover $94.91-27.07%
4 State Farm $99.93-23.21%
5 Direct Auto $106.97-17.80%
6 USAA $121.87-6.35%
7 SafeAuto $127.23-2.24%
8 Mercury Insurance $143.2410.06%
9 Mercury $149.4314.83%
10 Republic Indemnity $169.1129.95%

How Much is Car Insurance in Corpus Christi, TX?

how much is auto insurance in Corpus Christi

Rates can vary from city to city. The residents of Amarillo typically pay $116.88 per month while people who live in Arlington will pay $135.65 per month on average. See what people pay for car insurance in other cities in Texas.

Texas CitiesMonthly Average Rate
Amarillo $116.88
Arlington $135.65
Austin $127.03
Beaumont $132.26
Corpus Christi $125.96
Dallas $140.93
El Paso $124.93
Fort Worth $126.24
Houston $150.67
Irving $138.08
Lubbock $118.80
San Antonio $129.71
Tyler $122.42
Waco $106.02

Cheap Car Insurance in Corpus Christi by Zip Codes

find cheap auto insurance in Corpus Christi

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Corpus Christi, TX ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Corpus Christi

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $265.77 per month in Corpus Christi. Compare that to drivers in their 30’s who typically pay around $120.27 per month drivers in their 40s at $104.27 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Corpus Christi

If you are teen in Corpus Christi you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Clearcover typically charges around $89.04 per month. This is likely the most affordable option in Corpus Christi. You might also want to consider Texas Farm Bureau Group and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Texas Farm Bureau Group$167.55
State Farm$220.32
Direct Auto$242.79

Cheapest Insurance for 20 Year-olds in Corpus Christi

20 year-olds in Corpus Christi might want to consider Dairyland® who, on average, offers car insurance rates around $85.00 per month. Clearcover , Direct Auto , Texas Farm Bureau Group and State Farm are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct Auto$123.28
Texas Farm Bureau Group$127.30
State Farm$138.96

Cheapest Insurance for 30 Year-olds in Corpus Christi

If you are in your 30s in Corpus Christi our research has found that Direct Auto typically has the most affordable coverage coming in around $91.41 per month, followed by Texas Farm Bureau Group at $91.96 and State Farm at $96.44.

CompanyAverage Monthly Rate
Direct Auto$91.41
Texas Farm Bureau Group$91.96
State Farm$96.44

Cheapest Insurance for 40 Year-olds in Corpus Christi

On average, Direct Auto offers car insurance for 40 year-olds in Corpus Christi for around $81.44 per month. If you are looking for affordable coverage, you may also want to consider Texas Farm Bureau Group or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$81.44
Texas Farm Bureau Group$84.07
State Farm$89.64

Cheapest Insurance for 50 Year-olds in Corpus Christi

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Corpus Christi we found that Clearcover generally offers the most affordable coverage at $70.87 per month.

CompanyAverage Monthly Rate
Texas Farm Bureau Group$75.98
Direct Auto$77.41
State Farm$86.77
Mercury Insurance$98.32

Cheapest Insurance for 60 Year-olds in Corpus Christi

If you live in Corpus Christi and you’re in your 60s, our data indicates that Texas Farm Bureau Group usually has the best rates at $71.81 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Texas Farm Bureau Group$71.81
Direct Auto$81.08
State Farm$81.82
Mercury Insurance$92.94

Driver's Coverage Auto Insurance Rates in Corpus Christi, TX

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Corpus Christi, the average monthly rate for a driver who is currently insured is $126.40 while drivers who are not currently covered will pay around $125.35.

CoverageAverage Monthly Rate
Not Currently Insured $125.35
Currently Insured $126.40

Compare Recent Car Insurance Quotes in Corpus Christi

auto insurance quotes in Corpus Christi city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Corpus Christi a driver of a 2008 Mercury Mariner can expect to pay around $303.97 per month while someone that owns a 2016 Ford F150 may pay around $271.32 per month. Check out the list of recent quotes in Corpus Christi below.

VehicleAverage Monthly Rate
2008 Mercury Mariner$303.97
2016 Ford F150$271.32
2022 Toyota Tundra$412.94

FAQ's for Drivers in Corpus Christi, TX

driver’s frequently asked question in Corpus Christi

What Is the Minimum Liability Coverage Requirement in Corpus Christi, TX?

Every state requires drivers to have a minimum amount of liability coverage. Texas drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $30,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
  • $60,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
  • $25,000; Property damage per accident; Max. payment for damaged property in an accident caused by you.

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Texas, you are legally required to obtain something called liability insurance. This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

Since Texas is a “no-fault” state, drivers are financially responsible for any accidents they cause. Consider this: $30,000 is the maximum payment for property damage but you collide with a $40,000 vehicle. If you are found at fault, you are on the hook for any damages beyond $30,000. And, other drivers can sue you for those damages. Between this and the high cost of medical care, we recommend you carry more than the minimum required coverage!

What Is the Blood Alcohol Concentration (BAC) limit in Corpus Christi, TX?

It is illegal for an individual to operate a motor vehicle in Texas with the following BAC percentages:

  • .08%+ @ 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .01%+ @ < 21 years old

Can I use my digital insurance card in Texas?

Yes! Getting pulled over in Texas is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!

Check Out Other Rates in Corpus Christi, TX Nearby Cities:

Edinburg, TX

Harlingen, TX

Victoria, TX

Laredo, TX


Commute Time in Corpus Christi, TX

19.2 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Corpus Christi, TX


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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