Establishing which companies have the cheapest insurance rates for college graduates will require more time in order to find the most economical policy. Every insurance provider used slightly different criteria for determining rates in each state, so we need to take a look at the insurance companies that tend to be cheaper in Texas.
Keep in mind that Corpus Christi, TX insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Simply having another birthday, increasing deductibles, or getting a reckless driving citation can trigger price changes that can make some companies cheaper in comparison to the competition.
Lowest Insurance Price Quotes for Grads
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,282 |
| 5 | California Casualty | $1,382 |
| 6 | Esurance | $1,407 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,585 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,249 |
| 17 | Encompass | $2,324 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,568 |
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Travelers offers some of the best car insurance rates in Corpus Christi at around $1,010 each year. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the best Corpus Christi, TX auto insurance companies.
As depicted above, if you are a customer of California Casualty and switched to USAA, you could see yearly savings of upwards of $298. Policyholders with Esurance may save as much as $323 a year, and State Farm policyholders might see rate reductions of $366 a year.
To find the cheapest coverage for you, click here to start your free quote or quote prices from the following companies.
These estimates are averaged for all ages of drivers and types of vehicles and are not factoring in an exact location for college graduates. So the company that has the cheapest price for you may not even be in the list above. That’s why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
For college grads, one of the more important criteria that help determine car insurance rates is your zip code. More densely populated places tend to have higher auto insurance costs, whereas areas with less congestion have the gratification of cheaper auto insurance rates.
The following table ranks the most expensive areas in Texas for college graduates to buy auto insurance in. Corpus Christi is ranked at #17 with an annual cost of $1,636 on average, which is approximately $136 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Dallas | $1,911 |
| 3 | Brownsville | $1,870 |
| 4 | Laredo | $1,851 |
| 5 | Garland | $1,850 |
| 6 | Houston | $1,835 |
| 7 | Mesquite | $1,825 |
| 8 | Pasadena | $1,812 |
| 9 | Amarillo | $1,786 |
| 10 | Grand Prairie | $1,740 |
| 11 | Irving | $1,736 |
| 12 | Beaumont | $1,720 |
| 13 | Arlington | $1,709 |
| 14 | Lubbock | $1,682 |
| 15 | San Antonio | $1,671 |
| 16 | Fort Worth | $1,653 |
| 17 | Corpus Christi | $1,636 |
| 18 | Austin | $1,627 |
| 19 | McKinney | $1,625 |
| 20 | Plano | $1,624 |
| 21 | Carrollton | $1,615 |
| 22 | El Paso | $1,584 |
| 23 | Abilene | $1,561 |
| 24 | Waco | $1,522 |
| 25 | Killeen | $1,518 |
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Prices are approximated as the specific zip code location can affect auto insurance rates significantly.
The example below demonstrates how deductibles can impact insurance rates when quoting cheap insurance for college graduates. The premiums are based on a married female driver, comp and collision included, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could lower rates by $310 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $468 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old, could reduce their rates $772 every year by using higher deductibles when buying full coverage.
When choosing a higher deductible, it will be important to have additional funds in a savings account to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Selecting a good quality auto insurance provider can be challenging considering how many different companies insure vehicles in Corpus Christi. The company ratings displayed below may help you pick which insurers to look at to insure your vehicles. These rankings are only comprised of companies with a national presence, so companies with more of a regional focus are not included in the 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 |
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Data Source: Insure.com Best Car Insurance Companies
Why it’s important to shop around
Corpus Christi, TX insurance rates are impacted by many factors that may substantially change the price you pay. Simply having another birthday, becoming a homeowner, or having an at-fault accident may prompt premium changes that can cause some rates to be more affordable than the competition.
Not only may your situation change, but companies file new rates without warning to ensure their profitability. Higher than normal claims may result in increased policy costs, while profitable underwriting may produce cheaper Corpus Christi car insurance rates.
The chart below shows the company with the cheapest car insurance in Corpus Christi, TX for a 30-year-old male driver with a clear driving record, no claims, and good credit. When comparing rates based on his personal profile, Travelers quotes the best car insurance rates in Corpus Christi at $1,091 annually. This is $813 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the cheapest Corpus Christi, TX auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates a claim or two, a lower credit rating, and a traffic citation. Since every insurance provider has their own process to determine rates, comparing rates could now result in a significantly different list of the cheapest car insurance companies in Corpus Christi as shown below.
USAA now has the lowest car insurance rate in Corpus Christi with State Farm, Mercury, Safe Auto, and Nationwide now rounding out the top five. This shows why it is so important to compare many different companies when trying to get affordable car insurance rates for college graduates. Insurance prices are determined by many risk factors and can decrease or increase without notice, so the most economical option three years ago may now be one of the higher cost companies.
How to find low-cost auto insurance for college graduates
Below you’ll find some of the better money-saving solutions that can help you get more affordable coverage.
- Drive safely
- Buy vehicles with five-star safety ratings
- Try paying for small claims out-of-pocket
- Remove physical damage coverage on older vehicles
- Buying home and auto insurance together can earn discounts
- Prevent price hikes by avoiding at-fault accidents
- Look for cheaper rates once a year by shopping around
The last suggestion is notably valuable, as we stressed in this article. Car insurance prices in Corpus Christi can be adjusted at any time, so don’t be tentative to buy from a new company if a more affordable rate is found.
Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that stubbornness costs you potentially thousands of dollars a year. Spend a few minutes and compare rates and find cheaper insurance for college graduates.