I’m sure you’ve seen the captivating commercials from companies like Nationwide, Progressive, and State Farm that make promises of enormous savings, so drivers should just pick the company with the catchiest ad, right?
Regrettably, it’s not quite that easy, as there are a whole bunch of unknowns such as your financial stability, whether or not you own a home, the vehicle you drive, and whether you are married or single, that all impact the cost of your policy. Car insurance is kind of a dry topic, but this article will explain the best ways to compare rates and educate you enough to have a good start to your coverage search.
Determining which company has the cheapest insurance rates for safe drivers involves a tad more effort than just getting one or two price quotes.
Each auto insurance company has their own process for determining prices, so we’ll go over the lowest cost insurance companies in Texas. Keep in mind that Texas insurance rates are impacted by many factors that will increase or decrease the policy premium. Simply having another birthday, buying a home, or getting a few speeding tickets can trigger price changes that can cause some rates to be cheaper than competitors.
Find the Best Cheap Insurance for Safe Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,249 |
| 17 | Unitrin | $2,264 |
| 18 | Encompass | $2,324 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,568 |
| Compare Rates Now Go | ||
Travelers normally has some of the most affordable car insurance rates in Corpus Christi at around $1,052 annually. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the best Corpus Christi, TX insurance companies.
As illustrated above, if you are insured with USAA and switched to Travelers, you could see a yearly price reduction of upwards of $32. Customers with Texas Farm Bureau may save as much as $183 a year, and Germania Mutual customers might lower prices by $192 a year.
To find out how your current rates compare, click here to begin a quote or click several companies below for low rates.
Understand that those premiums are averages across all types of insureds and vehicles and and are not figured with a specific zip code for safe drivers. So the company that fits your situation best may not even be in the top 23 companies in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
The car, truck, or SUV you are seeking coverage for is probably the biggest factor that determines whether or not you can buy the best cheap auto insurance for safe drivers. Vehicles with lower acceleration and performance, good safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models. The next list estimates auto insurance prices for a selection of the most economical vehicles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $868 |
| Hyundai Elantra SE Touring Station Wagon | $921 |
| Toyota Prius | $939 |
| Ford F-150 STX Super Cab 4WD | $973 |
| GMC Sierra SLE Crew Cab 2WD | $1,006 |
| Chevrolet Equinox LS 2WD | $1,012 |
| Dodge Grand Caravan Crew | $1,025 |
| Honda CR-V LX 2WD | $1,044 |
| Chevrolet Impala LTZ | $1,059 |
| Ford Edge SE 2WD | $1,069 |
| Chevrolet Malibu LTZ | $1,077 |
| Hyundai Sonata SE 4-Dr Sedan | $1,130 |
| Honda Accord LX-S 2-Dr Coupe | $1,138 |
| Toyota Camry Hybrid | $1,149 |
| Ford F-250 XL Super Cab Cabela Package 2WD | $1,155 |
| Toyota RAV4 Limited 4WD | $1,151 |
| Ford Explorer XLT AWD | $1,170 |
| Ford Focus SES 4-Dr Sedan | $1,190 |
| Toyota Camry SE | $1,211 |
| Volkswagen Jetta 2.0T Station Wagon | $1,226 |
| Find Cheaper Rates Go | |
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price information does not factor in zip code location which can change insurance rates considerably.
Looking at the rates, we can conclude that cars like the Ford Escape, Hyundai Elantra, and Toyota Prius are most likely to be some of the cheapest vehicles to insure for good drivers.
For good drivers, one of the big factors that are looked at to help calculate the amount you pay each year for auto insurance is where you choose to live. Cities with larger populations or higher claim trends will most likely pay more, whereas more rural areas have the enjoyment of a little cheaper coverage.
The information below sorts the most expensive areas in Texas for safe drivers to buy car insurance in. Corpus Christi comes in at #22 having an annual price of $1,572 for car insurance, which is about $131 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Houston | $1,891 |
| 3 | Laredo | $1,889 |
| 4 | Brownsville | $1,851 |
| 5 | Dallas | $1,837 |
| 6 | Mesquite | $1,825 |
| 7 | Amarillo | $1,804 |
| 8 | Garland | $1,796 |
| 9 | Irving | $1,772 |
| 10 | Beaumont | $1,754 |
| 11 | Pasadena | $1,740 |
| 12 | Grand Prairie | $1,740 |
| 13 | San Antonio | $1,722 |
| 14 | Arlington | $1,709 |
| 15 | Lubbock | $1,665 |
| 16 | Fort Worth | $1,653 |
| 17 | Carrollton | $1,647 |
| 18 | El Paso | $1,616 |
| 19 | Austin | $1,610 |
| 20 | McKinney | $1,577 |
| 21 | Plano | $1,576 |
| 22 | Corpus Christi | $1,572 |
| 23 | Waco | $1,569 |
| 24 | Abilene | $1,545 |
| 25 | Killeen | $1,533 |
| Find the Best Rates Go | ||
Rates are estimated as the specific garaging location can increase or decrease rates greatly.
Selecting a highly-rated insurer can be a challenge considering how many different insurance companies sell coverage in Corpus Christi. The information shown below may help you select which providers you want to consider to insure your vehicles.
The ratings below are for companies with a national presence, so companies that only write business in Texas or surrounding areas will not be included in this list. To get rate quotes from many more Texas auto insurance companies, click this link.
Top 10 Large Auto Insurance Companies in Corpus Christi Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
The illustration below highlights how deductible choice can change yearly insurance costs when quoting cheap insurance for safe drivers. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
As shown above, a 40-year-old driver could lower their policy premium by $440 a year by switching from a $100 deductible to a $500 deductible, or save $660 by using a $1,000 deductible. Young drivers, like the 20-year-old, could potentially save up to $1,446 each year just by choosing larger deductibles. If you do make the decision to raise your deductibles, it will now be necessary to have enough savings to allow you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Why are you paying too much for car insurance?
Corpus Christi insurance rates are calculated based on many things which can substantially decrease or increase your annual premium. Simply turning a year older, getting divorced, or getting a DUI can cause premium changes that may make certain companies much cheaper than others.
Not only may your risk profile change, but insurance companies change the rates they charge in Texas as needed to adjust for heavy claims or excess profits. Heavy losses may cause rate increases, while lower claim expenses may result in lower-priced Corpus Christi car insurance rates.
For example, the graph below compares the cheapest car insurance in Corpus Christi, TX for a 30-year-old female driver with no prior claims, no tickets, and solid credit. If we estimate prices based on her current risk profile, Travelers may offer the lowest car insurance rates in Corpus Christi at $1,100 annually. This is $804 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also included in the top five cheapest Corpus Christi, TX auto insurance companies.
In this next rate comparison, we will give the driver from above a claim or two, a little lower credit rating, and a stop sign violation. Since each auto insurance company uses their own method to set their prices, getting updated rate quotes could result in a different set of companies as shown below.
Mercury now has the lowest price in Corpus Christi, TX with State Farm, USAA, Nationwide, and Safe Auto also being competitive. This shows why it is so important to compare as many rates as possible to find the most budget-friendly insurance quotes for safe drivers.
Rates are impacted by many different factors and can change without notice, so the cheapest company the last time you checked may now be quite expensive.
How to find economical auto insurance for safe drivers
Lowering your rates is not difficult, and here are some thrifty suggestions that can help drivers locate low-cost coverage.
- Frequent claims may make car insurance unaffordable
- Maintain a clean driving record
- Get cheaper liability coverage by choosing a safer vehicle
- Prevent rate increases by staying accident-free
- Buy your auto and home insurance from the same company and save
- Comparison shop frequently
The last tip in the list is highly significant, as we stressed in the article above. Insurance prices change a lot, so don’t be unwilling to change insurance companies if a cheaper price is available.
Staying with the same company for years is fine, but is isn’t recommended if that loyalty ends up costing a small fortune. Take a couple minutes and shop around to find cheaper insurance for safe drivers in Corpus Christi.
The insurance agencies listed below can help you decide which auto insurance policy fits you best, as lots of drivers aren’t clear which coverage they need and would like to get some guidance when comparing insurance rates for safe drivers. It’s not always simple to find the cheapest car insurance policy, so getting advice from a licensed Texas insurance agent can provide peace of mind knowing your policy gives you enough coverage when you need it. To locate a Corpus Christi insurance agent closest to you, click the button below the list or click here to compare rates now.
- Allstate Insurance: Jill Reed
4411 S Alameda St a – Corpus Christi, TX 78412 – (361) 452-8055 - Keetch and Associates Insurance
1718 Santa Fe St – Corpus Christi, TX 78404 – (361) 883-3803 - Allstate Insurance: Donald Morrison
4535 S Padre Island Dr Ste 37 – Corpus Christi, TX 78411 – (361) 854-2383 - Liz Sweney – State Farm Insurance Agent
7102 Wooldridge Rd – Corpus Christi, TX 78414 – (361) 852-1700 - Farmers Insurance – Richard Peetz
3038 S Alameda St – Corpus Christi, TX 78404 – (361) 887-7801