Car Insurance in Corpus Christi
As the eighth-largest city in Texas, Corpus Christi is huge. It makes for a large area on its own, and the Corpus Christi metropolitan area is even bigger.
However, to see everything that Corpus Christi has to offer, you need a good car. And you need the right auto insurance to protect both yourself and the car. Keep reading to learn everything you need to know about car insurance in Corpus Christi.
Quick Facts
- In 2019, there were 37 traffic-related fatalities in Corpus Christi.
- The average cost of car insurance in Corpus Christi is $111.41
How Much Is Car Insurance in Corpus Christi?
The average cost of car insurance in Corpus Christi is $111.41, which is a pretty good deal. That is cheaper than the average cost of car insurance in Texas (which is $116.61) and even cheaper than the average cost of car insurance in the country (which is $135.22).
Corpus Christi Car Insurance Rates by Zip Code
Some drivers are unaware of the fact that car insurance may cost more or less depending on where you live. There can be big differences in premium prices from one state to another. And even within the same city, there can be major differences in different zip codes.
To help you learn more about car insurance in Corpus Christi, we have a breakdown of the different average prices drivers in the city pay based on their zip codes:
| Zip code | Average Monthly Cost |
|---|---|
| 78401 | $111.41 |
| 78402 | $97.70 |
| 78404 | $110.23 |
| 78405 | $108.56 |
| 78406 | $93.37 |
| 78407 | $123.99 |
| 78408 | $102.68 |
| 78409 | $112.11 |
| 78410 | $103.70 |
| 78411 | $104.12 |
| 78412 | $124.53 |
| 78413 | $111.92 |
| 78414 | $131.17 |
| 78415 | $113.02 |
| 78416 | $105.28 |
| 78417 | $125.48 |
| 78418 | $95.28 |
| 78463 | $37.33 |
Corpus Christi Car Insurance Rates by Age
For better or for worse, your age is one of the factors behind the cost of your car insurance. While that may sound annoying, one saving grace is that getting older generally reduces how much you pay over time.
Below, we have a breakdown of the average car insurance cost for Corpus Christi residents based on age.
| Age | Average Monthly Cost |
|---|---|
| Teenagers | $274.49 |
| 20s | $141.29 |
| 30s | $97.17 |
| 40s | $87.34 |
| 50s | $80.66 |
| 60s | $80.94 |
| 70s | $97.56 |
Driving Conditions in Corpus Christi
How Many Fatal Accidents Happen in Corpus Christi?
In 2019, there were 37 traffic-related fatalities in Corpus Christi. This was out of a total of 35 fatal car accidents.
How Are the Road Infrastructure and Bridges in Corpus Christi?
As a city, Corpus Christi seems deeply committed to making infrastructure improvements. It has invested hundreds of millions of dollars in recent years to repair streets and drains. And the city has spent over a billion dollars in recent years to help restore wastewater collection systems and plants. Water infrastructure is an ongoing struggle within the city, but the roads are kept in very good condition.
Get a Quote for Car Insurance in Texas Today!
Minimum Car Insurance Requirements in Corpus Christi
They say everything is bigger in Texas. But if you’re not careful, that might include the bills you are left with after a car accident! To help prevent that from happening, the state requires that you get a certain minimum level of liability insurance coverage.
What is the minimum? Minimum car insurance requirements in Corpus Christi include the following:
- $30,000 for injury/death to one person
- $60,000 for injury/death to more than one person
- $25,000 for property damage
Remember, if you are at fault in an accident, there is always a chance that the damage will be greater than these minimum required amounts. By getting a higher coverage limit, you can better protect yourself if you cause an accident.
Factors Allowed in Corpus Christi Car Insurance Rates
No two insurance premiums are exactly the same. The reason for that is simple: because so many different factors can affect how much you pay, no two people are ever in the same circumstances.
At this point, you may be wondering: which factors are my insurance carrier allowed to consider? This is always determined by the state. And in the state of Texas, the following factors are “fair game” for your carrier to consider:
- Age
- Zipcode
- Education & occupation
- Marital status
- Credit score
- Gender
It’s possible for some of these factors to change over time. So if you have recently moved, improved your credit score, gotten married, or any other major change, reach out to your carrier to see if you can get a better rate. Alternatively, you can use this as an opportunity to shop around for a better insurance rate.
Discounts for Car Insurance in Corpus Christi
No matter how low your monthly insurance premium is, you’d probably be happier if it was lower. Aside from switching to a new insurance carrier, the best thing you can do to lower your premium is to ask your carrier about any special discounts you may qualify for.
Each insurance company is allowed to offer discounts on premiums based on certain events or driving behaviors. Here are some of the common discounts offered by carriers in Corpus Christi:
Remember, your own carrier is likely to offer these and many more discounts. But you won’t know what is available from them until you ask.
What Are the Penalties for Driving Without Insurance in Corpus Christi?
You know that you could face some steep fees for property damage and medical bills if you cause an accident and don’t have enough insurance. But do you know what happens if you are caught driving with no insurance at all?
For the first offense, the fine may range between $175 and $350. For the second offense, the fine may range from $350 to $1000. If you continue making offenses, you may have your license suspended and your car impounded.
These are merely court fees and penalties, though. In many cases, drivers will end up paying far more for the damages they cause while driving uninsured!
Get a Corpus Christi Car Insurance Quote Today!
Driving around Corpus Christi requires more than a dependable car. You also need to have the protection of dependable insurance.
That’s where Freeway Insurance comes in. We can easily get you started with a quote online. But If you’d rather visit in person, you can always come to one of our local offices. Or, if you’d rather just use the telephone, you can always call us at (800) 777-5620 for a quote today!