It’s impossible to miss the catchy advertisements from companies like Farmers, Progressive, and GEICO that make promises of enormous savings. So you should just pick the one with the catchiest commercial, right?
It’s just not that simple, as there are a whole slew of unknown factors such as how high your deductibles should be, whether you are male or female, and if you are married or single, that all have an effect on the price. The content below will cover these types of topics and also should give you a jump start in finding the best auto insurance in Corpus Christi.
Determining which company offers the best car insurance rates for used cars will require a little more work in order to find the lowest price quote. Each auto insurer has their own process to determine premium rates, so we’ll take a look at the overall cheapest car insurance companies in Texas.
Find Cheaper Car Insurance for Used Cars
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,424 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,613 |
| 11 | Allstate | $1,650 |
| 12 | Progressive | $1,698 |
| 13 | Amica | $1,705 |
| 14 | Home State | $2,155 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,161 |
| 17 | Unitrin | $2,241 |
| 18 | Encompass | $2,255 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,594 |
| Quote Your Rates Go | ||
Travelers has some of the most affordable car insurance rates in Corpus Christi at around $1,021 per year. This is $883 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the most economical Corpus Christi, TX car insurance companies.
In the above example, if you are insured with USAA and switched to Travelers, you might achieve savings of in the vicinity of $96. Texas drivers with Texas Farm Bureau could save as much as $214 a year, and Germania Mutual insureds might reduce prices by as much as $273 a year.
Remember that these policy rates are averaged for all insureds and vehicles and do not factor in a specific zip code for used cars. So the company that has the cheapest price for you may not even be in the top 23 companies shown above. That points out the importance of why you need to get quotes using your own driver data and vehicle information.
One of the many components that are looked at to determine the annual cost of car insurance is where your residence is in Corpus Christi. Areas with increased crime or more people are more likely to pay higher prices, whereas less populated areas have the benefit of cheaper auto insurance prices.
The table below rates the highest-priced places in Texas for used cars to buy an auto insurance policy in. Corpus Christi shows up at #19 with a yearly premium of $1,620 for the average insurance policy, which is about $135 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Houston | $1,909 |
| 3 | Amarillo | $1,858 |
| 4 | Dallas | $1,855 |
| 5 | Brownsville | $1,851 |
| 6 | Laredo | $1,851 |
| 7 | Garland | $1,832 |
| 8 | Pasadena | $1,794 |
| 9 | Grand Prairie | $1,793 |
| 10 | Beaumont | $1,772 |
| 11 | Mesquite | $1,753 |
| 12 | San Antonio | $1,739 |
| 13 | Lubbock | $1,733 |
| 14 | Irving | $1,719 |
| 15 | Carrollton | $1,664 |
| 16 | Austin | $1,659 |
| 17 | Arlington | $1,642 |
| 18 | Fort Worth | $1,621 |
| 19 | Corpus Christi | $1,620 |
| 20 | El Paso | $1,616 |
| Quote Best Rates Go | ||
Premium costs are estimated as the specific zip code location can modify coverage prices considerably.
The type of vehicle that needs insurance is one of the main factors when comparing quotes for affordable car insurance for used cars. Vehicles with higher performance, poor safety ratings, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models.
The information below presents coverage prices for some of the cheapest automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $916 |
| Ford Explorer XLT 2WD | $1,005 |
| Ford F-150 STX Super Cab 4WD | $1,027 |
| Ford Escape Limited 2WD | $1,039 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,061 |
| Toyota RAV4 4WD | $1,069 |
| Chevrolet Equinox LT 2WD | $1,061 |
| Chevrolet Malibu LT | $1,082 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,092 |
| Toyota Prius | $1,091 |
| Honda Odyssey EX-L W/Navigation | $1,118 |
| Ford Edge Sport 2WD | $1,125 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,136 |
| Nissan Rogue SL 2WD | $1,146 |
| Chevrolet Impala LS | $1,142 |
| Dodge Ram Crew Cab ST 4WD | $1,157 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,170 |
| Dodge Grand Caravan Crew | $1,187 |
| Ford Focus SES 2-Dr Coupe | $1,193 |
| Chevrolet Silverado LTZ Crew Cab 2WD | $1,214 |
| Toyota Camry Hybrid | $1,222 |
| GMC Sierra Denali Crew Cab 4WD | $1,217 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,227 |
| Start a Quote Go | |
Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rates do not factor in vehicle garaging location which can modify premium rates greatly.
Based upon the rates shown, you can expect makes and models like the Honda CR-V, Ford Explorer, and Ford F-150 should be the less-costly vehicles to insure for pre-owned vehicles.
Rate difference between full and liability-only coverage
Saving money on car insurance is the goal of most people, and one of the best ways to reduce the cost of insurance for used cars is to only buy liability insurance. The chart below shows the difference between premium costs with full coverage and liability only. The prices are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
If we average the cost for all age groups, comp and collision coverage costs an extra $1,730 per year more than just buying liability insurance. That amount may make you wonder if it’s worth it to buy full coverage. There is no exact rule to delete comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s book value is $12,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $11,000 after you pay the deductible. If premium cost is more than $1,100 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
Which car insurance company is best in Corpus Christi?
Picking the right insurance provider is hard considering how many choices drivers have in Texas. The company rank data in the lists below can help you choose which car insurance providers you want to consider comparing price quotes from. The rankings below are only made up of the largest companies in America, so companies that focus mainly on Texas business are not included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Careless driving habits raise car insurance rates
One of the best ways to get the best car insurance prices in Texas for pre-owned vehicles is to drive attentively and avoid tickets and accidents. The diagram below shows how violations and at-fault collisions can increase premium costs for each different age category. The data assumes a single male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
In the example above, the average cost of auto insurance in Texas per year with no accidents or violations is $1,963. Get written up for one speeding ticket and the average cost increases to $2,213, an increase of $249 each year. Now get one accident along with the one speeding ticket and the 12-month cost of car insurance for used cars goes up to an average of $2,910. That’s an increase of $947, or $79 per month, just for not paying attention while driving!
Chances are good that you’re overpaying for Corpus Christi car insurance
Texas car insurance rates are influenced by many factors which can substantially decrease or increase the cost of coverage. Improving your credit score, buying higher coverage limits, or getting into an accident can trigger changes in premium that can now make some companies cheaper in comparison to the competition. Not only may your risk profile change, but car insurance companies amend premium rates as often as every three months to adjust for gains or losses. Heavier than normal losses can cause increased rates, while profitable underwriting may produce more affordable Corpus Christi car insurance rates.
The graph below analyzes the cheapest car insurance in Corpus Christi, TX for a 30-year-old female driver with a clean driving record, no accidents, and great credit. When comparing rates based on her personal profile, Travelers might offer the most affordable car insurance rates in Corpus Christi at $1,078 each year. This is $826 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the list of the cheapest Corpus Christi, TX auto insurance companies.
Let’s now give the driver from the first set of rates a chargeable accident, poor credit, and a traffic ticket or two. Since each company has a proprietary method for setting prices, analyzing rate quotes could result in a completely different list of affordable companies as shown below.
Mercury now has the lowest car insurance rate in Corpus Christi, TX with State Farm, Nationwide, USAA, and Safe Auto also being competitive. This example demonstrates why Texas drivers need to spend some time comparing rates to find the lowest auto insurance rates for used cars.
Insurance rates are made up of many factors and can increase or decrease at any time, so the lowest-price company two years ago may now be quite expensive.