You have most likely seen the catchy advertisements from auto insurance companies like Liberty Mutual, Allstate, and State Farm that guarantee the cheapest price. So drivers just need to choose any of them, right?
It’s just not that easy, however, as there are a whole bunch of unknown aspects such as the level of liability coverage you want, how safe your vehicle is, and your annual mileage driven. We will try to cover some of these factors and will hopefully give you a good start to your coverage search.
Finding reliable, affordable auto insurance is difficult, and determining which company quotes the lowest-priced car insurance rates for drivers under 25 may require more quotes for comparison. Each auto insurance company has a different process for filing rates in each state, so we’ll take a look at the car insurance companies that tend to be cheaper in Texas.
It’s important to know that Corpus Christi, TX car insurance rates are impacted by many factors which can significantly increase or decrease the price of your policy. This price fluctuation is why it is critical to take the time to shop around to find affordable auto insurance rates for drivers under 25. Insurance prices are calculated by many things and change dramatically, so the most economical company when you bought your policy may now be quite expensive.
Best Cheap Insurance Rates for Young Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,256 |
| 5 | California Casualty | $1,396 |
| 6 | Esurance | $1,421 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,597 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,650 |
| 13 | Amica | $1,705 |
| 14 | GEICO | $2,135 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,161 |
| 17 | Unitrin | $2,310 |
| 18 | Encompass | $2,324 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,672 |
| Find Cheaper Rates Go | ||
Travelers normally has some of the lowest car insurance rates in Corpus Christi at around $1,052 a year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also some of the best Corpus Christi, TX auto insurance companies.
As depicted above, if you currently buy coverage from USAA and switched to Travelers, you could earn yearly savings of upwards of $65. Insureds with Texas Farm Bureau might save as much as $183 a year, and Germania Mutual policyholders might cut rates by $204 a year.
To compare your rates to other Texas insurance companies, click here to begin a quote or click several companies below for low rates.
These prices are averaged across all drivers and vehicles in Texas and are not factoring in a specific zip code for drivers under 25. So the auto insurance company that has the cheapest price for you may not even be in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own individual information.
One of the more important criteria that aid in calculating car insurance rates is where you keep your car in Corpus Christi. Areas with more people or higher crime rates tend to pay more, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.
The table below sorts the highest-priced areas in Texas for drivers under 25 to purchase a policy in. Corpus Christi shows up at #16 with an annual cost of $1,636 for the average policyholder, which is approximately $136 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,911 |
| 4 | Houston | $1,891 |
| 5 | Amarillo | $1,858 |
| 6 | Garland | $1,850 |
| 7 | Laredo | $1,833 |
| 8 | Pasadena | $1,812 |
| 9 | Grand Prairie | $1,757 |
| 10 | Beaumont | $1,754 |
| 11 | Mesquite | $1,753 |
| 12 | Lubbock | $1,733 |
| 13 | San Antonio | $1,722 |
| 14 | Irving | $1,719 |
| 15 | Arlington | $1,642 |
| 16 | Corpus Christi | $1,636 |
| 17 | Austin | $1,627 |
| 18 | McKinney | $1,609 |
| 19 | Fort Worth | $1,604 |
| 20 | Carrollton | $1,598 |
| 21 | El Paso | $1,584 |
| 22 | Plano | $1,560 |
| 23 | Abilene | $1,545 |
| 24 | Waco | $1,522 |
| 25 | Killeen | $1,518 |
| Find Cheaper Rates Go | ||
Rate quotes are approximated as the specific area where the vehicle is garaged can affect coverage prices greatly.
The diagram below shows how different deductible levels can raise or lower annual premium costs when getting quotes for cheap insurance for drivers under 25. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
As shown above, a 40-year-old driver could pocket $264 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $402 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could save up to $884 each year by choosing a higher deductible. When raising deductibles, it is necessary to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
How to find a good Texas car insurance company
Ending up with a highly-rated insurance provider can be a challenge considering how many companies provide coverage in Corpus Christi. The company ratings listed below could help you choose which car insurance providers to look at when trying to find the cheapest insurance for drivers under 25. The rankings below are only made up of the largest companies in America, so companies without a large exposure are not included in the list.
Top 10 Large Auto Insurance Companies in Corpus Christi Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Large Auto Insurance Companies in Corpus Christi Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
How accidents and violations affect rates
One of the best ways to find the best car insurance rates in Corpus Christi for drivers age 25 and younger is to be a safe driver and maintain a clean driving record. The example below highlights how traffic violations and at-fault fender-benders can increase insurance prices for each different age group. The costs are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
The chart shows that the average cost of car insurance per year with a clean driving record and no accidents is $1,527. Get written up for one speeding ticket and the average cost surges to $1,733, an increase of $206 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of car insurance for drivers under 25 jumps again to an average of $2,299. That’s an increase of $772, or $64 per month, just for not driving carefully!
What aren’t you shopping around?
Texas car insurance rates are calculated based on many things that may substantially change the price you pay. Simply having a birthday, having a claim, or getting into an accident may prompt premium changes that can make some companies much cheaper than others.
Not only may your risk profile change, but car insurance companies modify rates at least once a year in order to protect their financial rating. Higher than normal claims can cause increased policy costs, while a better loss history can cause cheaper Corpus Christi car insurance rates.
As an example, the data below demonstrates which company has the cheapest car insurance in Corpus Christi, TX for a 35-year-old female driver with no prior claims, no tickets, and a good credit history. Based on her current rating profile, Travelers offers the lowest car insurance rates in Corpus Christi at $1,078 each year. This is $826 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also on the list of the most affordable Corpus Christi, TX auto insurance companies.
The example below compares rates after we give the driver from the first example an accident claim, a little lower credit rating, and a stop sign violation. Since each auto insurer has their own process for filing rates in each state, comparing rates may now present a substantially altered list of affordable Corpus Christi car insurance companies as shown below.
State Farm now has the cheapest car insurance in Corpus Christi with Mercury, USAA, Safe Auto, and Nationwide completing the list. This shows why Texas drivers need to perform a complete rate comparison to get the most affordable insurance quotes for drivers under 25.
Car insurance prices can be determined by many different factors and can increase or decrease at any time, so the cheapest rate the last time you shopped around may now be quite expensive.