For Lyft vehicles, one of the big criteria that are used to help calculate auto insurance rates is the neighborhood you call home in Corpus Christi. Regions with more people or even just more weather-related claims will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The following table rates the most costly cities in Texas for Lyft drivers in which to purchase auto insurance. Corpus Christi shows up at #22 having an annual price of $1,572 on average, which is around $131 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,911 |
| 4 | Amarillo | $1,858 |
| 5 | Houston | $1,853 |
| 6 | Garland | $1,850 |
| 7 | Laredo | $1,833 |
| 8 | Mesquite | $1,825 |
| 9 | Pasadena | $1,794 |
| 10 | Irving | $1,789 |
| 11 | Grand Prairie | $1,740 |
| 12 | Beaumont | $1,720 |
| 13 | Lubbock | $1,682 |
| 14 | Austin | $1,676 |
| 15 | San Antonio | $1,671 |
| 16 | Arlington | $1,642 |
| 17 | Fort Worth | $1,621 |
| 18 | Carrollton | $1,615 |
| 19 | El Paso | $1,584 |
| 20 | McKinney | $1,577 |
| 21 | Plano | $1,576 |
| 22 | Corpus Christi | $1,572 |
| 23 | Waco | $1,569 |
| 24 | Abilene | $1,561 |
| 25 | Killeen | $1,533 |
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Rate quotes are estimated as zip code location can revise price quotes significantly.
The vehicle on the policy is one of the largest factors in finding cheap auto insurance for Lyft drivers. Vehicles with economical engines, advanced safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models.
The table below outlines auto insurance rates for a handful of the more affordable automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Explorer XLT AWD | $1,029 |
| Honda Accord LX-P 4-Dr Sedan | $1,040 |
| Honda CR-V EX-L 2WD | $1,066 |
| Chevrolet Equinox LS 2WD | $1,087 |
| Jeep Grand Cherokee Laredo 2WD | $1,092 |
| Ford Escape Limited 4WD | $1,096 |
| Chevrolet Malibu LT | $1,109 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,120 |
| Dodge Grand Caravan SE | $1,126 |
| Honda Odyssey EX-L | $1,148 |
| Toyota Corolla S | $1,158 |
| Toyota Camry XLE | $1,148 |
| Toyota Prius | $1,150 |
| GMC Sierra SLE Regular Cab 2WD | $1,191 |
| Ford Fusion S 4-Dr Sedan | $1,228 |
| Hyundai Sonata SE 4-Dr Sedan | $1,233 |
| Chevrolet Impala LT | $1,228 |
| Toyota RAV4 Limited 2WD | $1,238 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,228 |
| Kia Optima SX | $1,249 |
| Ford F-150 FX4 Super Cab 4WD | $1,256 |
| Ford Edge Limited AWD | $1,266 |
| Toyota Tacoma Double Cab 4WD | $1,256 |
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in specific garaging location which can modify coverage rates considerably.
By looking at the data, vehicles like the Ford Explorer, Honda Accord, Honda CR-V, Chevrolet Equinox, and Jeep Grand Cherokee will definitely be the most economical vehicles to insure for Lyft vehicles.
How accidents and tickets impact rates in Corpus Christi
One of the best ways to obtain affordable car insurance rates in Texas for Lyft vehicles is to be a cautious driver and avoid accidents and violations. The diagram below illustrates how traffic citations and at-fault accidents raise car insurance rates for each age group. Data assumes a married female driver, full coverage, $250 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of car insurance in Corpus Christi per year with no accidents and a clean driving record is $2,050. Factor in two speeding tickets and the average cost rises to $2,920, an increase of $870 each year. Now include one accident along with the two speeding tickets and the annual cost of car insurance for Lyft drivers increases to an average of $3,809. That’s an increase of $1,759, or $147 per month, just for not paying attention while driving!
The information below illustrates how your deductible choice can change insurance prices when quoting cheap insurance for Lyft drivers. The rates are based on a single male driver, full coverage, and no additional discounts are factored in.
As shown above, a 30-year-old driver could save $490 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $740 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could save up to $1,446 every year just by using higher deductibles.
If you make the decision to raise deductibles, it will be necessary to have emergency funds available to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Who has the cheapest Corpus Christi car insurance?
Texas car insurance rates are based on many factors that control the policy premium. Getting older, having a teen driver, or getting a ticket for careless driving may prompt premium changes resulting in some rates now being cheaper than competitors.
Not only may things change on your end, but companies file new rates at least once a year to ensure their profitability. Significantly higher claims can result in additional premium costs, while better underwriting can result in lower-priced Corpus Christi car insurance rates.
For example, the chart below demonstrates which company has the cheapest car insurance in Corpus Christi, TX for a 30-year-old female driver with no prior accidents, a clean driving record, and a good credit history. When quoting prices based on her personal profile, Travelers may offer the best car insurance rates in Corpus Christi at $1,137 each year. This is $767 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the cheapest Corpus Christi, TX auto insurance companies.
Now let’s give the driver in the first example some claims, a lower credit rating, and a speeding citation. Since each auto insurer has their own process for determining rates, comparing rates may now show a substantially altered list of the cheapest car insurance companies in Corpus Christi as shown below.
Mercury now has the lowest price in Corpus Christi, TX with State Farm, USAA, Safe Auto, and Nationwide completing the list. This example proves why Corpus Christi drivers need to compare as many rates as possible when trying to find the most affordable insurance quotes for Lyft drivers. Insurance rates are influenced by many things and change dramatically, so the most economical company the last time you shopped your coverage around may now be an over-priced policy.
If you have questions and prefer to have some advice when comparing insurance rates for Lyft vehicles, the agents below are willing to provide answers to your questions and help you determine which car insurance policy is best.
To locate a Corpus Christi insurance agent nearest to you, click the link at the bottom or click here to compare rates now.
- Binyon Insurance Agency, LLC
9922 Leopard St #202 – Corpus Christi, TX 78410 – (361) 241-3748 - Moore Insurance Agency
500 N Water St #702 – Corpus Christi, TX 78401 – (361) 991-9000 - Farmers Insurance – Dennis Trevino
6410 Weber Rd #11d – Corpus Christi, TX 78413 – (361) 814-0123 - State Farm: Curtis Rich
6646 S Staples St #130 – Corpus Christi, TX 78413 – (361) 992-1148
View map of Corpus Christi, TX insurance agents
How to find the cheapest insurance for Lyft drivers
It is possible to find better rates, and here are some of the better money-saving ideas that can help Corpus Christi drivers locate lower-cost coverage.
- Do not get into accidents
- Raise your physical damage coverage deductibles
- Tickets and violations raise rates
- Improve your credit
- Drive a car with a high safety rating
- Keep rates low by shopping around frequently
The last tip in the list is especially significant, as was stressed in the prior article. Car insurance rates fluctuate constantly, so drivers shouldn’t be resistant to switch companies if a lower-cost policy is available.
Having a favorite company is fine, but it’s not a good idea if that loyalty results in overpaying hundreds every year. In just a few minutes you could compare prices and find cheaper auto insurance for Lyft drivers in Corpus Christi.