The words “cheap” and “insurance” probably shouldn’t be used together, especially when you are looking for the cheapest auto insurance for good drivers. Because it’s so expensive, let’s teach you some of the factors that have an impact on insurance rates, and figure out some ideas to shave a little off the next policy you buy.
For safe drivers, one of the more important things that are looked at to help calculate insurance cost is where you live. Regions with more people or even just more weather-related claims tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.
The information below shows the priciest cities in Texas for good drivers in which to buy car insurance. Corpus Christi ranks #18 with a yearly premium of $1,636 for the average policyholder, which is approximately $136 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Dallas | $1,911 |
| 3 | Houston | $1,891 |
| 4 | Brownsville | $1,870 |
| 5 | Laredo | $1,833 |
| 6 | Mesquite | $1,807 |
| 7 | Amarillo | $1,804 |
| 8 | Pasadena | $1,794 |
| 9 | Grand Prairie | $1,793 |
| 10 | Garland | $1,778 |
| 11 | Irving | $1,736 |
| 12 | Beaumont | $1,720 |
| 13 | Lubbock | $1,716 |
| 14 | Arlington | $1,709 |
| 15 | San Antonio | $1,671 |
| 16 | Austin | $1,659 |
| 17 | Carrollton | $1,647 |
| 18 | Corpus Christi | $1,636 |
| 19 | El Paso | $1,632 |
| 20 | McKinney | $1,625 |
| 21 | Plano | $1,624 |
| 22 | Fort Worth | $1,621 |
| 23 | Waco | $1,569 |
| 24 | Abilene | $1,561 |
| 25 | Killeen | $1,473 |
| Find Cheaper Rates Go | ||
Table data uses estimated as specific Corpus Christi zip code can modify coverage prices substantially.
Trying to find cost effective car insurance is not most people’s favorite thing to do, and deciding which companies offer the cheapest auto insurance rates for good drivers will require a little more work. Every auto insurer has a unique formula for filing rates in each state, so we’ll take a look at the auto insurance companies with the most affordable rates in Texas.
It’s a good idea to be aware that Texas auto insurance rates are impacted by many factors that control the cost of coverage. This price variability is why it is critical to spend some time comparing rates to find the most economical auto insurance quotes for good drivers. Insurance prices can be altered by many risk factors and can change substantially, so the cheapest option the last time you shopped your coverage around may now cost much more than other companies.
Best Insurance Companies for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,438 |
| 7 | Mercury | $1,506 |
| 8 | State Farm | $1,510 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,698 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,155 |
| 15 | GEICO | $2,156 |
| 16 | Encompass | $2,232 |
| 17 | MetLife | $2,249 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,672 |
| Find Your Rate Go | ||
Travelers may offer some of the best car insurance rates in Corpus Christi at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the lowest-priced Corpus Christi, TX insurance companies.
As shown above, if you are insured with Germania Mutual and switched to USAA, you might see a yearly savings of upwards of $172. Insureds with Esurance could save as much as $323 a year, and California Casualty policyholders might see rate reductions of $354 a year.
Bear in mind that those premium estimates are averages across all ages of drivers and types of vehicles and do not take into consideration an exact zip code location for good drivers. So the auto insurance company that is best for you may not even be in the top 23 companies shown above. That affirms the importance of why you need to compare as many prices as possible using your own driver data and vehicle information.
The car, truck, or SUV you are trying to insure is one of the primary factors when looking for low-cost coverage for good drivers. Vehicles with more horsepower, poor crash test ratings, or a track record of large liability claims will cost much more to insure than safer, lower-performance models.
The information below estimates auto insurance premiums for a selection of the most budget-friendly vehicles to insure in Texas.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Volkswagen Jetta S 2.5 Station Wagon | $971 |
| Toyota Prius | $993 |
| Honda CR-V EX 4WD | $1,003 |
| Honda Accord LX-P 4-Dr Sedan | $1,014 |
| Ford Escape XLT 2WD | $1,020 |
| Ford Focus S 4-Dr Sedan | $1,042 |
| Toyota RAV4 2WD | $1,061 |
| Nissan Rogue S 2WD | $1,136 |
| Kia Optima LX | $1,143 |
| Jeep Grand Cherokee Limited 2WD | $1,140 |
| Toyota Tacoma 2WD | $1,142 |
| Chevrolet Impala LT | $1,163 |
| Ford Explorer Eddie Bauer 4WD | $1,187 |
| Toyota Camry LE | $1,197 |
| Nissan Altima 2.5 4-Dr Sedan | $1,204 |
| Find Cheaper Rates Go | |
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific location which can modify coverage prices substantially.
Looking at the numbers, we can tell that models like the Volkswagen Jetta, Toyota Prius, and Honda CR-V are some of the more affordable vehicles to insure for safe drivers.
How to get discounts on Corpus Christi auto insurance
Car insurance companies that offer coverage for good drivers may also provide policy discounts that can lower rates by 40% or more if you meet eligibility requirements. A list of auto insurance companies and their possible discounts are included below.
- State Farm has savings for accident-free, Steer Clear safe driver discount, defensive driving training, Drive Safe & Save, good student, and safe vehicle.
- Farmers Insurance policyholders can earn discounts including multi-car, pay in full, switch companies, bundle discounts, and good student.
- GEICO may offer discounts for seat belt use, membership and employees, five-year accident-free, anti-lock brakes, and driver training.
- American Family has discounts for multi-vehicle, air bags, early bird, good driver, and TimeAway discount.
- Nationwide discounts include business or organization, multi-policy, accident-free, family plan, and anti-theft.
- Progressive may have discounts that include multi-policy, homeowner, online quote discount, online signing, and multi-vehicle.
The information below visualizes the comparison of premium costs with and without discounts. The data assumes a male driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with defensive driving course, homeowner, safe-driver, marriage, passive restraint, and vehicle safety discounts applied. When discounts are applied, theaverage yearly reduction on auto insurance for good drivers is 28% or $552.
Full coverage versus liability only rates
Saving on auto insurance is important to the majority of vehicle owners, and an effective way to buy cheaper insurance for good drivers is to buy liability only. The information below illustrates the comparison of insurance costs with full coverage compared to only the Texas minimum liability coverage. The data is based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no policy discounts are applied.
If we average all the age groups together, physical damage coverage on your policy costs $1,598 per year more than just buying liability insurance. That is a big expense that brings up the question when is it safe to stop buying full coverage. There is no clear-cut rule to stop paying for full coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
There are some conditions where eliminating full coverage is not advised. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Who has the cheapest Corpus Christi car insurance?
Corpus Christi, TX auto insurance rates are impacted by many factors that may substantially change the policy price. Improving your credit rating, moving across town, or getting into an accident can trigger rate changes that can now make some companies cheaper than competitors.
In addition, car insurance companies change premium rates as often as every three months to help ensure profitability. Higher than usual claims may result in rate hikes, while better underwriting can result in cheaper Corpus Christi car insurance rates.
The bar chart below shows the companies that have the cheapest car insurance in Corpus Christi, TX for a 30-year-old male driver with no accidents or violations, and great credit. If we compare prices based on his personal profile, Travelers may offer the best car insurance rates in Corpus Christi at $1,111 annually. This is $793 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also on the list of the top five cheapest Corpus Christi, TX auto insurance companies.
Now let’s give the driver from the first set of rates a claim, a lower credit rating, and a couple of points charged on his driving record. Since every insurance provider has their own unique process to determine rates, comparing prices will most likely result in a different list of the cheapest companies as shown below.
Mercury now has the best auto insurance rate in Corpus Christi with State Farm, Nationwide, USAA, and Safe Auto now rounding out the top five. This example shows why it is critical to take the time to shop around to find the best insurance quotes for good drivers. Car insurance prices are influenced by many things and change dramatically, so the best price a year ago may now be an over-priced policy.