Car Insurance in Corpus Christi

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Joel Ohman
Founder, CFP®

UPDATED: Aug 10, 2016

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Here's what you need to know...
  • The average cost for car insurance in Texas is around $850 per year
  • Because of the number of accidents on the road in Corpus Christi, adequate car insurance coverage is extremely important
  • Most insurance companies offer discounts for a variety of situations

Corpus Christi car insurance can be pricey. This introductory guide will give you all the insider tips that you will need to know to get the best rates for auto insurance.

Enter your zip code above to compare rates from multiple companies for FREE!

Corpus Christi is a great place to live and visit because there are so many things to do. However, since you have to drive around to visit all these enjoyable places, car insurance is a must.

Corpus Christi: “The Sparkling City by the Sea”


Corpus Christi is one of Texas’ most visited seacoast playgrounds.

Many refer to Corpus Christi as “The Sparkling City by the Sea.”

Tourists and residents alike love Corpus Christi for its subtropical climate, abundant waterfront areas, and beautiful beaches.

In addition to the numerous attractions available in Corpus Christi, visitors and residents enjoy countless activities, including:

  • Swimming
  • Boating
  • Fishing
  • Sailing
  • Windsurfing
  • Kite flying

Key Facts About Corpus Christi

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The following are some key facts about Corpus Christi that visitors and residents should be aware of:

  • Population – According to the 2010 Census Bureau, Corpus Christi has a population of over 345,000.
  • Size – Corpus Christi is the 8th largest city in Texas.
  • Total Area – Sixty-six percent of Corpus Christi’s total area is made up of water.
  • Location – Corpus Christi is located in the South Texas region and is situated on the Gulf of Mexico.

Rates for Auto Insurance in Corpus Christi

By Texas law, a vehicle may not be operated in Corpus Christi unless it is covered by both bodily injury and property damage liability insurance. In addition, drivers are also required by state car insurance laws to show proof of car insurance when a police officer requests it.

Car Insurance Laws


The city of Corpus Christi has a no tolerance policy for uninsured drivers.

The following are the penalties enforced by Corpus Christ and the Texas Department of Transportation for a motorist who is caught breaking state regulations for car insurance:

  • First Offense – A fine ranging from $175 to $350
  • Second Offense – A fine up to $1,000 and a suspended driver’s license
  • Towed Vehicle – Car will be impounded and not released until proof of insurance is shown

Enforcement in Corpus Christi

Twenty-five percent of Corpus Christi drivers are uninsured. Corpus Christi Police Chief Tony Briggs has set out to decrease the amount of uninsured drivers by setting up check points around Corpus Christi to verify that drivers have liability car insurance.

Average Rates for Car Insurance

The following are the average rates for drivers in Corpus Christi:

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  •  Liability Insurance – $470
  • Collision – $350 on top of the standard liability amount
  • Comprehensive – $170 on top of the standard liability amount

The average Texas rate for car insurance is $854, which is higher than the national average price of car insurance.

Additional Factors That Influence Corpus Christi Auto Insurance Rates

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Keep in mind that the above figures are only averages. The following are a few of the factors will also influence your car insurance rates:

Upcoming Changes in Corpus Christi Laws

In 2011, Texas has raised the minimum for medical liability insurance from $25,000 to $30,000 annually. This increase will cost the average motorist $40 more annually on insurance coverage.

Corpus Christi Driving and Car Insurance Statistics

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The following statistics about Corpus Christi driving were reported by the Texas Department of Transportation last year:

  • Reported Accidents – In Corpus Christi last year, there were 7,815 reported car accidents.
  • Property Damage – Out of the 7,815 reported car accidents last year, 5,087 of those accident caused property damage.
  • Injuries – Out of the 7,815 reported car accidents last year, 2,705 of those accidents resulted in injuries.
  • Fatalities – Out of the 7,815 reported car accidents last year, 23 of those accidents resulted in fatalities.
  • Stolen Vehicles – 872 vehicles in Corpus Christi were reported stolen last year.

These frightening statistics show just how necessary it is to be protected by affordable car insurance in case of a crime or accident.

Fastest Ways to Get Comparison Quotes

Comparing Corpus Christi car insurance online is the best way to shop for insurance. Use our free quote comparison tool to find different Corpus Christ car insurance companies and agencies online.

You will need your current insurance policy, vehicle registration, and driver’s license. Just type in your information and you will be able to quickly get a list of free quotes from a variety of Corpus Christi companies and agencies.

Car Insurance Discounts

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Another way to save on Corpus Christi insurance costs is to request a full list of discounts an insurance company offers.

The following is a list of just some of the discounts you may qualify for:

  • Good driver discount
  • Auto safety features in your vehicle
  • Memberships in professional organizations
  • Defensive driving course completion certificate
  • Anti-theft devices in your vehicle
  • Low-risk occupations

It’s worth it to take the time to ask about discounts. Discounts can save you 10% to 30% off your Corpus Christi car insurance rates.

Keep in mind that not all insurance companies offer the same discounts.

Other Ways to Save

Many insurance companies will allow you to insure both your home and vehicle with them. Insurance companies offer huge savings when you combine coverage. This can help you to save money on both your homeowner’s policy and your car insurance.

Another way to save on car insurance is to pay your premium on an annual or semi-annual basis.

Those who pay their insurance premiums on a monthly basis end up paying more due to higher interest rates.

You will get quotes from a variety of car insurance companies and agents in Corpus Christi. You’ll be surprised by how much you can save just by comparison shopping.

Try it today with our zip code search and start saving now!

Free Car Insurance Comparison

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