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Best cheap car insurance in Corpus Christi for 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best cheap car insurance companies in Corpus Christi
The best car insurance company offering the cheapest rates in Corpus Christi will vary from driver to driver, but Bankrate has compiled a list of providers to help start your search. Our picks considered average premium data from Quadrant Information Services, as well as each insurer's coverage offerings, discount availability, customer satisfaction and more. According to our research, Geico, State Farm, USAA, Allstate and Mercury are among the best Texas auto insurers for drivers in Corpus Christi.
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Why Geico made our list: Geico's high Bankrate Score reflects its nationwide availability, excellent mobile and online tools and affordable average rates. Even customers with driving violations or prior accidents may find cheap rates with Geico — hence it was named the Best Auto Insurance Company for High-Risk Drivers in the 2025 Bankrate Awards. The company also scored above average for customer satisfaction in the Texas region in J.D. Power's 2025 U.S. Auto Insurance Study. However, there appear to be few local agents in Corpus Christi — something policyholders who prefer to do business in person may want to keep in mind.
Why Geico may be best for coverage on a budget: In our analysis, Geico returned some of the cheapest average Corpus Christi rates for both full and minimum coverage. So, if scoring a cheap premium is your main priority, it may be worth getting a personalized quote. Keep in mind, however, that Geico received a lower-than-average claims satisfaction in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study.
| Bankrate Score | 4.3 |
| J.D. Power | 651/1,000 |
| AM Best Rating | A++ |
Bankrate Score
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Why State Farm made our list: State Farm offers affordable average rates for both full and minimum coverage and ranked fourth in Texas for auto insurance customer satisfaction in 2025, according to J.D. Power. State Farm also scored well above the industry average in the 2024 U.S. Auto Claims Satisfaction Study and boasts a robust list of auto insurance discounts for Texas customers, including several discounts aimed at teens and other young drivers.
Why State Farm may be best for local agents: State Farm works with a wide network of local agents in the Corpus Christi area. While the carrier’s mobile tools, including the Drive Safe & Save telematics app, are well rated, State Farm maintains an emphasis on working with agents rather than buying car insurance directly and self-managing your policy via an app. If that approach appeals to you, State Farm may be a good option.
| Bankrate Score | 4.3 |
| J.D. Power | 645/1,000 |
| AM Best Rating | A++ |
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Why USAA made our list: With Naval Air Station Corpus Christi providing thousands of jobs in the area, military-focused coverage from USAA may be a significant advantage for local drivers. USAA offers auto coverage for U.S. military members, veterans and their immediate family members with average premiums well below the citywide average for both full and minimum coverage. In addition to auto insurance, USAA provides home insurance and banking services for military families.
Why USAA may be best for military-focused coverage: In addition to cheap base rates, USAA offers certain discounts that may prove advantageous for military members, such as discounted premiums for vehicles in storage during a deployment and incentives for drivers who garage a car on a military installation.
| Bankrate Score | 4.3 |
| J.D. Power | 732/1,000 |
| AM Best Rating | A++ |
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Min. coverage
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Why Allstate made our list: Although Allstate doesn't offer the cheapest rates on our list, it offers unique advantages for some drivers, such as classic car coverage, vehicle protection plans and discounts for new car owners. Allstate also has a Deductible Rewards program, which allows you to save up to $100 per year off your collision deductible, and a usage-based telematics program, which could mean savings if you display safe driving habits.
Why Allstate may be best for bundled policies: Customers who bundle an auto insurance policy with Allstate’s highly rated home insurance product may be eligible for discounts of up to 25 percent. Even if you’re not a homeowner, you can save by bundling condo or renters insurance with Allstate.
| Bankrate Score | 3.9 |
| J.D. Power | 636/1,000 |
| AM Best Rating | A+ |
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Why Mercury made our list: Although Mercury is not included in J.D. Power auto insurance studies, local agents, low average rates and a strong list of discounts put Mercury on our list of the best auto insurance in Corpus Christi. Mercury offers a telematics program called RealDrive that could lower rates for safe drivers, and the company guarantees repairs performed by an authorized repair shop.
Why Mercury may be best for rideshare coverage: Drivers who work for a transportation network company, such as Uber or Lyft, may need additional coverage to fill in gaps between their personal auto policy and the insurance offered by rideshare companies. While many carriers don’t offer this type of coverage, Mercury does, with advertised rates starting at $0.90 per day. Be aware that you must have an existing Mercury auto insurance policy in order to purchase rideshare coverage.
| Bankrate Score | 3.5 |
| J.D. Power | |
| AM Best Rating | A |
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Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
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The cheapest car insurance companies in Corpus Christi
According to Bankrate’s research, USAA, Geico and Mercury are the cheapest average car insurance carriers in Corpus Christi for state minimum coverage. Keep in mind that while these carriers may be the cheapest for our base profile — 40-year-old drivers with clean records and a Toyota Camry — you may find cheaper rates with another Texas company depending on your age, driving record, vehicle type and other factors. It’s also wise to keep in mind the possible trade-offs between low rates and other considerations, such as customer service.
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|---|---|---|
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$516
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$1,676
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$534
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$1,748
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$554
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$1,752
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$707
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$2,079
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$553
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$2,193
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How much is car insurance in Corpus Christi, Texas?
The average cost of car insurance in Corpus Christi, Texas is $2,498 per year for full coverage and $762 for state minimum coverage. For drivers who need full coverage, that’s approximately 4 percent less than the Texas average and 6 percent less than the national average. However, rating factors like age, driving record and more can impact the exact cost of car insurance for individuals.
Corpus Christi rates for teens
Teen drivers pay some of the highest rates for car insurance in Corpus Christi due to their lack of experience behind the wheel. Keeping a teen driver on the same policy as an experienced parent can help to reduce the cost of coverage. On average, an 18-year-old in Corpus Christi pays $6,621 for a standalone full coverage policy, compared to an average of $4,179 to keep an 18-year-old on their parents' policy.
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|---|---|---|
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$1,149
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$1,022
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$1,304
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$962
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$1,361
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$1,220
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$1,389
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$1,186
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$1,471
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$934
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|---|---|---|
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$3,163
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$2,814
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$3,857
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$2,685
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$3,908
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$3,547
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$3,958
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$3,320
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$4,258
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$3,779
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Corpus Christi rates for young drivers
As you exit your teenage years, your car insurance premiums will typically begin to fall, with a more significant drop after age 25. On average, drivers in Corpus Christi pay $5,388 per year for a standalone full coverage policy at age 20 and $3,284 per year for the same policy at age 25.
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|---|---|---|
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$1,097
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$591
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$1,103
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$632
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$1,274
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$652
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$1,796
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$812
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$1,799
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$1,157
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|---|---|---|
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$3,172
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$1,917
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$3,381
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$2,022
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$3,845
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$2,060
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$5,716
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$2,420
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$5,776
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$4,151
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Corpus Christi rates for adults
Auto insurance rates tend to stabilize in mid-adulthood as drivers gain more experience and establish their driving record. For drivers with clean records, the average full coverage premium in Corpus Christi is $2,694 at age 30 and $2,364 at age 50.
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|---|---|---|---|
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$538
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$534
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$513
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$547
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$516
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$490
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$550
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$554
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$542
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$625
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$553
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$541
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$699
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$707
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$661
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|---|---|---|---|
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$1,759
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$1,748
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$1,667
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$1,783
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$1,752
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$1,694
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|
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$1,817
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$1,676
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$1,563
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|
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$2,197
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$2,079
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$2,000
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|
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$2,531
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$2,193
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$2,047
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Corpus Christi rates for senior drivers
Senior drivers pay some of the lowest rates in Corpus Christi for both full and minimum coverage, but insurers may begin to handle pricing differently as drivers enter their 70s. With advanced age, some drivers may develop vision problems, delayed reaction times and other conditions that can raise the chance of an accident, and most individuals experience increased vulnerability to serious injuries. On average, a 60-year-old driver will pay $2,260 per year for full coverage in Corpus Christi, while a 70-year-old pays an average of $2,451.
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|---|---|---|
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$489
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$627
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$494
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$622
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$499
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$624
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$517
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$566
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$648
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$766
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|---|---|---|
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$494
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$1,763
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$499
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$1,817
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$517
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$1,677
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|
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$489
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$2,194
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|
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$648
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$2,246
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance in Corpus Christi by driving record
A clean driving record can help you secure the cheapest car insurance in Corpus Christi, but many drivers have at least one ticket or accident on their record. Insurance companies charge higher rates for drivers with past incidents due to a statistically proven increased risk of filing future claims.
Car insurance with a speeding ticket in Corpus Christi
A speeding ticket conviction will likely raise your rates with any carrier, but individual insurance carriers may treat speeding convictions differently. On average, a driver with a single speeding ticket in Corpus Christi pays $2,824 per year for full coverage and $857 for state minimum coverage — roughly 13 percent more than the average for drivers with clean records.
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|---|---|---|
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$581
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$1,896
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$613
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$2,026
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$639
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$1,950
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$737
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$2,737
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$754
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$2,963
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Car insurance after an accident in Corpus Christi
An at-fault accident on your driving record signals to insurance companies that you may be more likely to file claims. On average, Corpus Christi drivers with a single at-fault accident pay 52 percent more for full coverage, for an annual average of $3,803.
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|---|---|---|
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$724
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$2,137
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$768
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$2,480
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$865
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$2,670
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$1,113
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$3,172
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$1,171
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$4,151
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Car insurance after a DUI in Corpus Christi
A DUI conviction on your driving record can make it difficult to find affordable car insurance coverage in Corpus Christi, so you may need to compare rates from multiple companies in order to find a policy that works for you. In general, we found that a driver with a single DUI in Corpus Christi pays an average of $4,101 per year for full coverage and $1,338 for minimum coverage. That’s 64 percent more than the citywide average for full coverage and 75 percent more for minimum coverage.
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|---|---|---|
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$815
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$2,520
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$818
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$2,414
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$948
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$3,747
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$1,036
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$3,236
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$1,302
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$4,194
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Minimum coverage requirements in Corpus Christi
Texas law requires all drivers in Corpus Christi to carry at least the following minimum car insurance coverage:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
In addition to minimum liability coverage, your insurance company must offer both uninsured/underinsured motorist coverage and personal injury protection. If you choose not to have this coverage on your policy, you’ll need to reject it in writing, but most insurance professionals recommend keeping it and raising your liability limits beyond the state’s minimum requirements.
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
