The make and model of vehicle to be insured is one of the primary factors that determines whether or not you find low-priced car insurance for low mileage drivers. Vehicles with higher performance characteristics, a lack of safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer models. The data below estimates car insurance rates for a number of the cheapest vehicles to insure in Texas.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Volkswagen Jetta S 2.5 Station Wagon | $924 |
| Toyota Prius | $943 |
| Jeep Grand Cherokee Laredo 2WD | $1,010 |
| Toyota Tacoma Double Cab 4WD | $1,018 |
| Honda CR-V LX 2WD | $1,046 |
| Ford Escape XLS 2WD | $1,055 |
| Hyundai Elantra SE Touring Station Wagon | $1,059 |
| Toyota Corolla XLE | $1,063 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,068 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,063 |
| Ford Explorer Eddie Bauer 2WD | $1,094 |
| Ford Edge Limited 2WD | $1,134 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,153 |
| Dodge Grand Caravan CV | $1,172 |
| Dodge Ram 2500 Mega Cab SLT 4WD | $1,174 |
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in specific location information which can modify prices greatly.
Based upon the table data, we can tell that makes and models like the Volkswagen Jetta, Toyota Prius, Jeep Grand Cherokee, and Toyota Tacoma are a few of the less-costly vehicles to insure for infrequent drivers.
For infrequent drivers, one of the more important factors that are looked at to help calculate the annual cost of car insurance is your zip code in Corpus Christi. Cities with larger populations tend to pay more, whereas more rural areas profit from lower rates.
The next table ranks the most costly cities in Texas for low mileage drivers in which to purchase auto insurance. Corpus Christi comes in at #19 with an annual rate of $1,636 for the average insurance policy, which is around $136 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Brownsville | $1,908 |
| 3 | Laredo | $1,907 |
| 4 | Dallas | $1,893 |
| 5 | Houston | $1,835 |
| 6 | Garland | $1,832 |
| 7 | Mesquite | $1,807 |
| 8 | Amarillo | $1,804 |
| 9 | Pasadena | $1,794 |
| 10 | Irving | $1,789 |
| 11 | Beaumont | $1,772 |
| 12 | Grand Prairie | $1,757 |
| 13 | San Antonio | $1,739 |
| 14 | Lubbock | $1,733 |
| 15 | Austin | $1,676 |
| 16 | Fort Worth | $1,670 |
| 17 | Carrollton | $1,664 |
| 18 | Arlington | $1,658 |
| 19 | Corpus Christi | $1,636 |
| 20 | McKinney | $1,625 |
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Information shown are estimated as the specific area where the vehicle is garaged can influence insurance rates significantly.
Establishing which companies quote the most affordable auto insurance rates for low mileage drivers takes more work than just comparing a company or two.
Every auto insurer uses a slightly different approach for filing rates in each state, so we need to take a look at the most budget-friendly auto insurance companies in Corpus Christi. It’s important to understand that Texas auto insurance rates are determined by lots of factors that may substantially change the price you pay. Simply having a birthday, becoming a homeowner, or getting a ticket for running a stop sign can trigger changes in premium resulting in some companies being cheaper than competitors.
Find the Best Cheap Insurance in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,424 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,465 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,549 |
| 11 | Allstate | $1,701 |
| 12 | Amica | $1,705 |
| 13 | Progressive | $1,715 |
| 14 | GEICO | $2,135 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,646 |
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Travelers generally has some of the best 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 make the cut as some of the best Corpus Christi, TX car insurance companies.
In the above example, if you are a customer of Esurance and switched to USAA, you could earn an annual premium reduction of about $312. Policyholders with California Casualty may save as much as $329 a year, and Mercury customers might realize rate reductions of up to $366 a year.
Be aware that those prices are averaged for all insureds and vehicles and are not factoring in an exact location for low mileage drivers. So the company that fits your needs best may not even be in the top 23 companies shown above. That illustrates why you need to get rate quotes from many companies using your own personal information and vehicle type.
The example below shows how different deductible levels can impact yearly insurance costs when getting quotes for cheap insurance for low mileage drivers. The rate quotes are based on a married female driver, full coverage, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could pocket $260 a year by changing from a $100 deductible up to a $500 deductible, or save $394 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could possibly save $646 or more by using higher deductibles when buying full coverage.
If you do decide to increase your deductibles, it will be necessary to have enough savings to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Illustration showing the impact of accidents and violations
The obvious way to snag the best auto insurance premiums for infrequent drivers is to be a careful driver and not have accidents or get tickets. The illustration below highlights how traffic violations and at-fault accidents can impact yearly insurance costs for different age groups. The information is based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.
The chart shows that the average cost of car insurance in Texas per year with no accidents and a clean driving record is $2,767. Add in one speeding ticket and the average cost rises to $3,137, an increase of $370 each year. Now add two accidents along with the one speeding ticket and the yearly cost of auto insurance for low mileage drivers increases to an average of $6,268. That’s an increase of $3,501, or $292 per month, just for not being more responsible behind the wheel!
Here’s why you should compare rates often
Texas auto insurance rates are based on many factors that may substantially change the cost of having a policy. Simply getting older, adding a teenager to your policy, or getting a couple of tickets can produce rate changes that can now make some companies cheaper than competitors. Not only that, but insurers change their prices as often as every three months in order to be able to pay unexpected claims. Higher than normal claim frequency or severity can cause price increases, while lower claim expenses may produce more affordable Corpus Christi car insurance rates.
The chart below analyzes the cheapest car insurance in Corpus Christi, TX for a 30-year-old male driver with no violations or accidents, and a good credit history. If we look at prices based on his current rating profile, Travelers quotes the most affordable car insurance rates in Corpus Christi at $1,091 per year. This is $813 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the top five cheapest Corpus Christi, TX auto insurance companies.
The next chart shows rates after we give the driver from the first example an at-fault accident, less-than-perfect credit, and a couple of points charged on his driving record. Since each auto insurance company has a proprietary method to determine rates, comparing quotes may now result in a completely different list of affordable Corpus Christi car insurance companies as shown below.
Mercury now has the best insurance rate in Corpus Christi with State Farm, Safe Auto, Nationwide, and USAA now being in the top five. This shows why drivers need to compare as many rates as possible to get the best insurance rates for low mileage drivers.
Prices consist of many risk factors and change substantially, so the lowest-price company the last time you shopped around may now be quite expensive.
How to find economical insurance for low mileage drivers
Lowering your rates is not difficult, and here are a few money-saving solutions that can help Texas drivers find lower-cost coverage.
- Buy vehicles with good safety ratings
- Do not get into accidents that are your fault
- Older vehicles may not need full coverage
- Save money by observing traffic laws and speed limits
- Increase your credit rating
- Increase your policy deductibles
- Comparison shop at least every other year
The last item on the list is extraordinarily necessary, as was noted in this piece. Insurance prices in Corpus Christi can change considerably in a year, so drivers shouldn’t hesitate to buy from a different company if you find a cheaper price.
Staying with the same company for years is fine, but it isn’t a good idea if that faithfulness ends up costing you money that could be going to better use. Take a couple minutes and compare prices to find cheaper car insurance for low mileage drivers.