For teenagers, one of the more important considerations that are looked at to determine the annual cost of car insurance is where your car is garaged. Cities with larger populations or higher claim trends will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.
The information below rates the most expensive cities in Texas for high school students in which to purchase auto insurance. Corpus Christi is listed at #22 costing $1,572 for coverage, which is around $131 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Houston | $1,909 |
| 3 | Brownsville | $1,870 |
| 4 | Dallas | $1,837 |
| 5 | Laredo | $1,833 |
| 6 | Mesquite | $1,825 |
| 7 | Grand Prairie | $1,811 |
| 8 | Amarillo | $1,804 |
| 9 | Garland | $1,778 |
| 10 | Pasadena | $1,758 |
| 11 | Irving | $1,736 |
| 12 | Lubbock | $1,733 |
| 13 | San Antonio | $1,722 |
| 14 | Beaumont | $1,702 |
| 15 | Arlington | $1,692 |
| 16 | Carrollton | $1,664 |
| 17 | Austin | $1,659 |
| 18 | Fort Worth | $1,653 |
| 19 | Plano | $1,624 |
| 20 | El Paso | $1,616 |
| 21 | McKinney | $1,577 |
| 22 | Corpus Christi | $1,572 |
| 23 | Abilene | $1,545 |
| 24 | Waco | $1,522 |
| 25 | Killeen | $1,518 |
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Rate information is approximated as specific Corpus Christi garaging address can decrease or increase coverage rates noticeably.
Finding out which companies offer the cheapest insurance rates for high school students will take more work in order to find the lowest price quote. Each insurer uses a little different formula to establish rates, so let’s examine the insurance companies with the overall cheapest rates in Corpus Christi.
Keep in mind that Texas insurance rates are calculated based on many things that may substantially change the price you have to pay for coverage. Simply having another birthday, marrying your spouse, or getting a few speeding tickets can cause premium changes resulting in some companies being much cheaper than others.
Cheapest Insurance Rates for Students
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,128 |
| 3 | Germania Mutual | $1,244 |
| 4 | Texas Farm Bureau | $1,247 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,438 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,465 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,585 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,757 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,183 |
| 17 | Unitrin | $2,264 |
| 18 | Encompass | $2,301 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,646 |
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Travelers offers some of the cheapest car insurance rates in Corpus Christi at around $1,021 a year. USAA, Germania Mutual, Texas Farm Bureau, and Esurance also rank well as some of the most economical Corpus Christi, TX insurance companies.
In the above rates, if you are a policyholder with Germania Mutual and switched to Travelers, you could see annual savings of roughly $223. Customers with Texas Farm Bureau might save as much as $226 a year, and Esurance customers might lower prices by $358 a year.
Bear in mind that those premium estimates are averages for all types of drivers and the different vehicles they drive and do not take into consideration an exact location for high school students. So the company that fits you best may not even be in the top 23 companies in the list above. That helps illustrate why you need to quote rates from many companies using your own individual information.
The vehicle you are trying to insure is one of the largest considerations when quoting the most economical auto insurance for high school students. Vehicles with lots of horsepower, poor passenger safety features, or an increased likelihood of liability claims will cost more to insure than safer models.
The table below presents car insurance prices for a number of the cheapest automobiles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $3,744 |
| Hyundai Elantra GLS Touring Station Wagon | $3,754 |
| Ford Escape Limited 4WD | $4,009 |
| Toyota Prius | $4,044 |
| Ford F-150 STX Regular Cab 2WD | $4,173 |
| Dodge Grand Caravan SE | $4,208 |
| Jeep Wrangler Sahara 4WD 2-Dr | $4,213 |
| Ford Focus S 4-Dr Sedan | $4,402 |
| Toyota RAV4 4WD | $4,438 |
| Chevrolet Impala LT | $4,448 |
| Jeep Grand Cherokee Laredo 4WD | $4,438 |
| Chevrolet Equinox LS AWD | $4,444 |
| Ford Explorer Limited 4WD | $4,473 |
| Chevrolet Silverado LS Regular Cab 2WD | $4,548 |
| Honda Odyssey EX-L W/Navigation | $4,668 |
| Toyota Corolla XLE | $4,677 |
| Ford Edge Sport 2WD | $4,668 |
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Above prices assume single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific location which can change prices noticeably.
Based on these rates, you can expect cars like the Honda CR-V, Hyundai Elantra, and Ford Escape should be some of the more affordable vehicles to insure for teenagers. The price for an auto insurance policy will be more expensive because of the fact that there is more liability risk for high school students, but generally speaking those models will tend to have the cheapest rates compared to other vehicles.
The illustration below illustrates how your deductible choice can influence insurance rates when trying to find cheap insurance for high school students. The price estimates are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
The data above shows that a 40-year-old driver could lower their car insurance rates by $302 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $456 by changing to a $1,000 deductible. Even younger insureds, like the age 20 example, could possibly save as much as $766 each year just by choosing larger deductibles.
When choosing a higher deductible, it is essential to have enough funds in savings to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Discounts on Corpus Christi insurance rates
Auto insurance companies that sell policies for high school students may also offer rate discounts that could lower prices by as much as 40% or more if you are eligible. Larger insurance companies and some of the discounts are detailed below.
- American Family policyholders can earn discounts including good driver, early bird, TimeAway discount, bundled insurance, and good student.
- Farm Bureau offers discounts for multi-policy, renewal discount, safe driver, good student, and driver training.
- State Farm has savings for driver’s education, anti-theft, Drive Safe & Save, safe vehicle, passive restraint, good driver, and student away at school.
- Travelers may include discounts for hybrid/electric vehicle, payment discounts, new car, IntelliDrive, and student away at school.
- The Hartford discounts include vehicle fuel type, anti-theft, driver training, good student, bundle, and defensive driver.
- GEICO may have discounts that include multi-policy, daytime running lights, emergency military deployment, federal employee, seat belt use, and driver training.
- Progressive offers discounts including multi-policy, multi-vehicle, online quote discount, continuous coverage, good student, and homeowner.
The chart below compares premium costs with and without discounts. The premium estimates are based on a female driver, no accidents, no driving violations, 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 second bar shows the rates with paperless filing, paid-in-full, vehicle safety, good student, continuous coverage, and anti-theft discounts applied. When drivers qualify for the discounts, theamount saved on insurance for high school students is 28% or $912.
If you prefer to get help from a professional when buying car insurance for high school students, the agencies below can answer your questions and help you decide which insurance coverage you need. To find a Corpus Christi insurance agency near you, click the button at the bottom of the list or click here to compare prices now.
- Borden Insurance
210 S Carancahua St Fl 4 – Corpus Christi, TX 78401 – (361) 882-6543 - Farmers Insurance – Jennifer Tennill
1145 Waldron Rd – Corpus Christi, TX 78418 – (361) 939-7300 - Del Mar Insurance
3801 Saratoga Blvd # 105 – Corpus Christi, TX 78415 – (361) 986-0700
More Corpus Christi, TX insurance agents
How to find cheaper insurance for high school students
The list below shows some of the better thrifty suggestions that can help Corpus Christi drivers locate more affordable coverage.
- Remain accident-free and save
- Buying home and auto together can help save money
- Vehicles with good safety ratings have lower liability rates
- Higher credit ratings may save you money
- Do not waste money insuring older vehicles for full coverage
- Compare quotes from other companies often
That last piece of advice is extraordinarily critical, as we emphasized in the article above. Prices in Corpus Christi fluctuate constantly, so drivers shouldn’t be resistant to switch companies if you find a cheaper price. Having a favorite company is great, but it’s not a good idea if that devotion results in you overpaying a lot of money. It takes less than five minutes to compare prices and find cheaper insurance for high school students.