The words “affordable” and “insurance” really shouldn’t be used in the same sentence, especially when you are searching for the best insurance rates for drivers with accidents. Because it’s not cheap, let’s get started by showing you some things that help determine car insurance prices, and come up with some ideas to take the bite out of your next policy.
The make and model of vehicle needing coverage is a large factor that determines whether or not you can buy the best cheap auto insurance for drivers with accidents. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models.
The table below presents car insurance prices for a handful of the most cost-effective automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $2,126 |
| Honda Accord LX 4-Dr Sedan | $2,130 |
| Ford Escape Limited 2WD | $2,152 |
| Ford F-150 XLT Crew Cab 2WD | $2,257 |
| Hyundai Elantra SE Touring Station Wagon | $2,283 |
| Toyota Prius | $2,311 |
| Honda Odyssey LX | $2,363 |
| Ford Edge SEL AWD | $2,493 |
| Toyota Corolla LE | $2,501 |
| Chevrolet Impala LT | $2,521 |
| Chevrolet Malibu LS | $2,531 |
| Toyota RAV4 Limited 2WD | $2,521 |
| Chevrolet Equinox LT AWD | $2,523 |
| Ford Fusion SEL 4-Dr Sedan | $2,525 |
| Jeep Grand Cherokee Limited 4WD | $2,531 |
| Ford Explorer Limited 4WD | $2,549 |
| Ford F-350 XL Crew Cab 2WD | $2,551 |
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Above prices assume married female driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rates do not factor in garaging location in Corpus Christi, TX which can affect price quotes significantly.
By looking at the data, models like the Honda CR-V, Honda Accord, and Ford Escape are the less-costly vehicles to insure for drivers with at-fault accidents. Auto insurance rates will trend higher just because there is more liability risk for drivers with accidents, but overall those makes and models will probably have the best rates compared to other vehicles.
Shopping around for low-priced insurance is not the easiest thing to accomplish, and figuring out which insurers offer the lowest-priced auto insurance rates for drivers with accidents takes even more shopping around. Each auto insurance company has a proprietary formula for determining rates, so first we will examine the auto insurance companies with the overall best prices in Corpus Christi, TX.
It’s important to know that Corpus Christi, TX auto insurance rates are impacted by many things that control the price of your policy. Price variation is why Texas drivers need to compare many different companies to get the best auto insurance rates for drivers with accidents. Car insurance prices are impacted by many things and change dramatically, so the cheapest company two years ago may now be one of the higher cost companies.
Best Cheap Insurance Rates for Accident Prone Drivers
Travelers may offer some of the cheapest car insurance rates in Corpus Christi at around $1,021 a year. This is $883 less than the average price paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance would also be considered some of the cheapest Corpus Christi, TX insurance companies.
As shown in the table above, if you have coverage with Germania Mutual and switched to Travelers, you could earn a yearly savings of roughly $223. Policyholders with Texas Farm Bureau could save as much as $226 a year, and Esurance insureds might reduce prices by as much as $344 a year.
It’s important to note that these prices are averaged across all drivers and vehicles in Texas and do not factor in an exact location for drivers with accidents. So the car insurance company that is best for you may not even be in the top 23 companies shown above. That underscores the importance of why you need to compare rates from multiple companies using your own individual information.
For drivers with at-fault accidents, one of the largest considerations that help determine the price you pay for insurance is the neighborhood you call home in Corpus Christi. Regions with larger populations or more claims likely pay more, whereas areas with lower crime rates and fewer weather claims tend to receive cheaper rates.
The table below ranks the most costly cities in Texas for drivers with accidents to purchase a policy in. Corpus Christi ranks #17 with an annual premium of $1,636 for the average policy, which is about $136 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Dallas | $1,893 |
| 3 | Brownsville | $1,870 |
| 4 | Houston | $1,853 |
| 5 | Laredo | $1,851 |
| 6 | Garland | $1,832 |
| 7 | Amarillo | $1,804 |
| 8 | Pasadena | $1,758 |
| 9 | Mesquite | $1,753 |
| 10 | Grand Prairie | $1,740 |
| 11 | Irving | $1,736 |
| 12 | Beaumont | $1,720 |
| 13 | Arlington | $1,692 |
| 14 | San Antonio | $1,688 |
| 15 | Lubbock | $1,682 |
| 16 | Carrollton | $1,664 |
| 17 | Corpus Christi | $1,636 |
| 18 | Fort Worth | $1,621 |
| 19 | El Paso | $1,616 |
| 20 | Austin | $1,610 |
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Premium amounts are estimated as the specific Corpus Christi residence address can modify rates noticeably.
Full coverage versus liability-only in Corpus Christi
Saving on auto insurance is the goal of most people, and one of the fastest ways to pay lower rates for insurance for drivers with accidents is to buy liability only. The example below compares car insurance rates with full coverage compared to only the Texas minimum liability coverage. The premiums assume no violations or claims, $100 deductibles, single status, and no discounts are applied to the premium.
As an overall average, full coverage costs an extra $2,181 per year more than just insuring for liability. That brings up the question if full coverage is worth the money. There is no clear-cut rule of when to eliminate full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
The information below illustrates how your choice of deductibles can increase or decrease insurance rates when trying to find cheap insurance for drivers with accidents. Data assumes a married female driver, full physical damage coverage, and no discounts are applied.
The chart above illustrates that a 50-year-old driver could pocket $260 a year by changing from a $100 deductible up to a $500 deductible, or save $394 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could lower their rates up to $646 annually just by choosing higher deductibles when buying full coverage.
When raising deductibles, it’s a good idea to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Responsible drivers pay cheaper Corpus Christi auto insurance rates
The easiest way to maintain the best auto insurance prices in Corpus Christi for drivers with at-fault accidents is to be a safe driver and have a clean driving record. The example below shows how speeding tickets and accidents influence auto insurance rates for different age groups of insureds. The rates are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of an auto insurance policy in Corpus Christi per year with a clean driving record and no accidents is $1,864. Factor in one speeding ticket and the average cost hikes up to $2,139, an increase of $274 each year. Then throw in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for drivers with accidents jumps again to an average of $4,450. That’s an increase of $2,585, or $215 per month, just for not keeping your driving record clean!