One of the more important components that determine the amount you pay each year for auto insurance is where you live. Cities with larger populations or higher claim trends will most likely pay more, whereas areas with less congestion can boast about having cheaper rates.
The illustration below rates the most expensive cities in Texas for 18 year olds in which to buy car insurance. Corpus Christi shows up at #19 with the yearly price of $1,620 for car insurance, which is about $135 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Dallas | $1,911 |
| 3 | Brownsville | $1,870 |
| 4 | Houston | $1,835 |
| 5 | Laredo | $1,833 |
| 6 | Garland | $1,832 |
| 7 | Amarillo | $1,804 |
| 8 | Irving | $1,789 |
| 9 | Mesquite | $1,771 |
| 10 | Grand Prairie | $1,757 |
| 11 | Beaumont | $1,754 |
| 12 | Pasadena | $1,740 |
| 13 | San Antonio | $1,722 |
| 14 | Lubbock | $1,716 |
| 15 | Arlington | $1,692 |
| 16 | Carrollton | $1,647 |
| 17 | McKinney | $1,625 |
| 18 | Fort Worth | $1,621 |
| 19 | Corpus Christi | $1,620 |
| 20 | Austin | $1,610 |
| 21 | El Paso | $1,584 |
| 22 | Plano | $1,576 |
| 23 | Waco | $1,537 |
| 24 | Killeen | $1,533 |
| 25 | Abilene | $1,499 |
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Rates are estimated as the garaging address in Corpus Christi can increase or decrease auto insurance rates significantly.
Finding decent, cost effective insurance is confusing at best, and figuring out which company quotes the cheapest car insurance rates for 18 year olds will involve even more work.
Each auto insurance company has their own process for filing rates in each state, so we’ll go over the car insurance companies with the overall cheapest rates in Corpus Christi. It’s a good idea to be aware that Texas car insurance rates are calculated based on many things that can increase the price you have to pay. This price variation is why it is critical to do a thorough rate comparison when trying to get the most economical insurance quotes for 18 year olds. Car insurance prices consist of many factors and change substantially, so the best price the last time you checked may now be one of the higher cost companies.
Lowest Insurance Price Quotes for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,382 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,597 |
| 11 | Allstate | $1,701 |
| 12 | Amica | $1,705 |
| 13 | Progressive | $1,715 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,672 |
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Travelers may have some of the lowest car insurance rates in Corpus Christi at around $1,041 per year. This is $863 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the cheapest Corpus Christi, TX car insurance companies.
As shown in the rates above, if you are a customer of Germania Mutual and switched to USAA, you might see yearly savings of approximately $161. Insureds with Esurance may save as much as $270 a year, and California Casualty policyholders might reduce prices by as much as $287 a year.
Bear in mind that those estimates are averaged across all ages of drivers and types of vehicles and are not factoring in a specific location for 18 year olds. So the car insurance company that has the cheapest price for you may not even be in the top 23 companies in the list above. That emphasizes why you need to get rate quotes using your own driver data and vehicle information.
The chart below illustrates how your deductible choice can influence annual premium costs when researching cheap insurance for 18 year olds. The premium estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $362 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $546 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could shave $920 annually just by choosing larger deductibles.
When raising deductibles, it will now be necessary to have additional funds squirreled away to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Finding the highest-rated insurance provider is hard considering how many companies are available to choose from in Corpus Christi. The ranking information shown below may help you analyze which car insurance companies to look at when shopping insurance around for 18 year olds.
The ratings below are only made up of companies with a nationwide focus, so companies that have a smaller presence will not be included in the list. To compare rates from these and other companies in Texas, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
Does full coverage make sense?
Reducing premiums for car insurance should be important to most vehicle owners, and one good way to buy cheaper insurance for 18 year olds is to only buy liability insurance. The diagram below illustrates the difference between auto insurance costs with full coverage and liability only. Data assumes no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
If we average the cost for all age groups, physical damage coverage costs an extra $1,730 per year more than buying just liability insurance. That proposes the question if buying full coverage is worth the money. There is no definitive guideline of when to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your vehicle’s replacement value is $11,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $10,500 after the policy deductible has been paid. If you are paying more than $1,050 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.