Trying to buy cheap auto insurance is tough enough, and deciding which company quotes the cheapest insurance rates for drivers with a DUI will require more quotes for comparison.
Each insurer has a proprietary formula to establish rates, so let’s begin by taking a look at the insurance companies with the overall best prices in Corpus Christi, TX. It’s important to know that Texas insurance rates are calculated based on many things which can significantly increase or decrease the cost of coverage. Simply having another birthday, moving across town, or getting into an accident can cause premium changes that can now make some companies more expensive than competitors.
Lowest Insurance Price Quotes after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,506 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,600 |
| 11 | Allstate | $1,650 |
| 12 | Progressive | $1,664 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,568 |
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Travelers offers some of the lowest car insurance rates in Corpus Christi at around $1,052 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the most economical Corpus Christi, TX insurance companies.
As depicted above, if you currently have a policy with Texas Farm Bureau and switched to Travelers, you might realize an annual premium reduction of in the neighborhood of $147. Texas drivers with Germania Mutual may save as much as $230 a year, and Esurance policyholders might lower prices by $369 a year.
Bear in mind that those estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration an exact location for drivers with a DUI. So the company that is best suited for you may not even be in the top 23 companies shown above. That underscores the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.
The vehicle you are insuring is one of the primary factors when comparing cheaper auto insurance for drivers with a DUI. Vehicles with lots of speed or power, poor crash test ratings, or high incidents of liability claims will cost much more to insure than safer models. The table below illustrates car insurance prices for some of the most budget-friendly vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,261 |
| Honda CR-V EX-L 4WD | $1,380 |
| Hyundai Elantra SE Touring Station Wagon | $1,437 |
| Toyota Prius | $1,466 |
| Ford F-150 FX2 Super Cab 2WD | $1,472 |
| Toyota Tacoma 4WD | $1,482 |
| Ford Explorer Eddie Bauer 2WD | $1,472 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,512 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,560 |
| Chevrolet Impala LT | $1,565 |
| Chevrolet Silverado LT Regular Cab 2WD | $1,563 |
| Chevrolet Equinox LTZ AWD | $1,569 |
| Chevrolet Malibu Hybrid | $1,592 |
| Toyota RAV4 2WD | $1,600 |
| Dodge Grand Caravan Crew | $1,625 |
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Premium data assumes single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in vehicle garaging location which can revise rates significantly.
Looking at the numbers, vehicles like the Ford Escape, Honda CR-V, and Hyundai Elantra will be some of the most economical vehicles to insure after getting a DUI. Prices will tend to be more expensive anyway because of the fact that there is more liability risk for drivers with a DUI, but generally speaking those specific models will most likely have the cheapest rates available.
Discounts on Corpus Christi insurance
Insurance providers that provide policies for drivers with a DUI may additionally offer rate discounts that could reduce prices by 25% or more if you are eligible. A few of the larger companies and some of their more popular discounts can be read below.
- State Farm may have discounts that include Drive Safe & Save, defensive driving training, good driver, accident-free, good student, and anti-theft.
- American Family may include discounts for good driver, Steer into Savings, good student, defensive driver, multi-vehicle, and accident-free.
- AAA discounts include multi-policy, good student, multi-car, anti-theft, education and occupation, and AAA membership discount.
- GEICO has savings for anti-lock brakes, emergency military deployment, membership and employees, good student, and defensive driver.
- Mercury Insurance includes discounts for age of vehicle, ease of repair, anti-theft, accident-free, and good driver.
- Farmers Insurance policyholders can earn discounts including youthful driver, switch companies, good student, early shopping, and mature driver.
- Progressive has discounts for multi-vehicle, online signing, online quote discount, homeowner, and multi-policy.
The diagram below visualizes the comparison of auto insurance costs with and without discounts applied to the policy rates. The rates are based on a male driver, three violations and no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, paid-in-full, homeowner, passive restraint, vehicle safety, and anti-theft discounts applied. When discounts are applied, the average amount saved each year on insurance for drivers with a DUI is 28% or $840.
The information below highlights how deductible selection can increase or decrease annual premium costs when quoting cheap insurance for drivers with a DUI. Data assumes a married male driver, comp and collision included, and no discounts are applied to the premium.
As shown above, a 50-year-old driver could lower rates by $372 a year by switching from a $100 deductible up to a $500 deductible, or save $560 by switching to a $1,000 deductible. Younger drivers, such as the Age 20 example, could roll back prices as much as $1,240 or even more just by choosing higher deductibles. When using a larger deductible, it is important to have enough savings to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Why are you paying too much for Corpus Christi car insurance?
Corpus Christi, TX insurance rates are determined by lots of factors that control the price you pay. Improving your credit rating, buying a home instead of renting, or getting a ticket for running a stop sign can cause premium changes that can now make some companies cheaper in comparison to the competition. Not only may your risk profile change, but car insurance companies modify rates without warning in order to remain profitable. An extended period of higher than normal claims may result in additional premium costs, while lower claims may cause lower-priced Corpus Christi car insurance rates.
For example, the chart below shows which companies have the cheapest car insurance in Corpus Christi, TX for a 35-year-old male driver with no accidents or violations, and excellent credit. If we estimate prices based on his personal profile, Travelers might offer the best car insurance rates in Corpus Christi at $1,060 per year. This is $844 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining top five cheapest Corpus Christi, TX auto insurance companies.
The chart below compares rates after we give the driver in the first example a chargeable accident, poor credit, and a traffic citation. Since each auto insurer uses a different method for setting prices, comparing prices may now present a new list of affordable Corpus Christi car insurance companies as shown below.
State Farm now has the best auto insurance rate in Corpus Christi, TX with Mercury, USAA, Nationwide, and Safe Auto also having competitive pricing. This example proves why it is critical to compare rates to get the lowest insurance quotes for drivers with a DUI.
Car insurance prices are impacted by many factors and can change without notice, so the cheapest option when you last compared rates may now cost much more than other companies.
How to find economical car insurance for drivers with a DUI
The list below shows some of the better money-saving suggestions that can help you get lower-cost car insurance.
- Raise deductibles to save money
- Avoid preventable accidents
- Violations and traffic tickets increase rates
- Claim-free policyholders usually earn a discount
- Don’t waste money on full coverage for older vehicles
- Compare rates regularly to ensure the best deal
That final tip is very crucial, as was discussed in the prior information. Prices charged by car insurance companies adjust frequently, so don’t be unwilling to switch companies if a cheaper rate is available. We understand brand loyalty, but it’s not recommended if that dedication is costing big bucks every year. Take a few minutes and compare prices and find cheaper insurance for drivers with a DUI in Corpus Christi.
The Corpus Christi car insurance agencies listed below are willing to answer your questions and help you decide which insurance coverage will be best for you, since some drivers aren’t sure which coverage they need and prefer to have a little guidance when trying to find lower insurance rates after getting a DUI. It’s not always simple to find the best rates on your own, so using a licensed agent can give you comfort knowing your policy gives you adequate protection.
To find a Corpus Christi insurance agent closest to you, click the link at the bottom.
- Francisco Aguilar – State Farm Insurance Agent
5829 Weber Rd – Corpus Christi, TX 78413 – (361) 991-8242 - Joe Morales Insurance
5230 Kostoryz Rd # 18 – Corpus Christi, TX 78415 – (361) 852-4292 - All American Hallmark Ins
4510 Weber Rd a – Corpus Christi, TX 78411 – (361) 993-6643 - Farmers Insurance – Ruben Bonilla
2727 Morgan Ave #300 – Corpus Christi, TX 78405 – (361) 881-1033