Find Car Insurance in Corpus Christi, TX

What You Should Know About Car Insurance in Corpus Christi, Texas

Corpus Christi — which means Body of Christ in Latin — was given this name by Spanish explorers in 1519. The modern-day coastal city is now one of the major cities in Texas, and it is home to the 5th-largest port in the United States.

The city has over 300,000 residents and serves as the seat of Nueces County, Texas. It is located roughly 200 miles southwest of Houston and 130 miles southeast of San Antonio. In addition to the port, the local economy is primarily driven by the tourism and oil industries.

If you live in Corpus Christi, you must protect your property and health with the appropriate coverage. A comprehensive auto insurance policy not only pays for your own damages in a crash but also shields you from claims from other drivers.

How Much Does Car Insurance Cost in Corpus Christi, Texas?

You have different policy options to choose from when you insure your car. Texas law requires that you carry a minimum amount of liability insurance, but you are entitled to purchase more coverage to ensure you are protected. Alternatively, you could also buy a full coverage policy that protects you from third-party claims and pays for your damages.

Texans pay an average of $2,426 annually for full coverage auto insurance. The average annual cost of liability-only policies is only $693. The cost of protection in Corpus Christi is less than the state average. Liability-only policies total $612 annually, and full coverage costs roughly $1,932.

These amounts are similar to what drivers pay on average nationally. For full auto coverage, Texans pay a little more than the national average of $2,314. The cost of minimum mandatory liability coverage is also more than the $644 annually that drivers pay nationwide.

At InsureOne, we will put in the work to make certain we have options for liability insurance that fit your needs. Our agents can also offer multiple policies that are right for your budget.

What Does It Mean If Corpus Christi, Texas, Is a No-Fault/At-Fault State?

Texas is an at-fault state. That means when you are involved in an accident, and it is someone else’s fault, you have the right to file a lawsuit against them to recover your damages. They could be on the hook for your financial, emotional, and physical losses in a crash. If the other driver has liability coverage, their policy could pay for your damages.

A handful of states have adopted a “no-fault” approach to auto accidents. This system requires drivers to seek compensation through their own insurance policies, even when they are not at fault. The downside to this approach is that these policies generally do not pay all of the damages available through a personal injury suit.

Car Insurance Rates Comparison by City in Texas

Below is a comparison of the average monthly premiums paid in various cities across Texas.

City	Full Coverage Insurance	Liability Insurance Coverage
Corpus Christi	$149	$111
Houston	$206	$124
Spring	$181	$116
Lewisville	$156	$111
Weatherford	$150	$111

What Types of Car Insurance Discounts Are Available in Corpus Christi?

Another great way to save money on your insurance bill is by taking advantage of every available discount. Some of the most popular options include the following:

• Safe Driver Discount
• Green Discount
• Veteran Discount
• Loyalty Discount
• Multi-vehicle Discount

Notable Car Insurance Laws in Corpus Christi

Texas has requirements related to liability coverage for drivers. Every motorist must keep a minimum amount of coverage to drive legally. Failure to comply with these requirements can lead to financial consequences.

What Are the Mandatory Car Insurance Requirements in Corpus Christi?

Under the law, you must have a minimum amount of liability coverage before you can legally drive in Texas. Your policy must have a certain level of coverage for bodily injuries and property damage. The minimum coverage required includes:

• $30,000 for bodily injuries per person
• $60,000 for bodily injuries per accident
• $25,000 for property damage per accident

What Is the Penalty for Driving Without Insurance in Corpus Christi?

It is against the law to drive without auto coverage in Texas. Motorists in Corpus Christi who do not have the appropriate levels of insurance coverage could face fines of up to $350. Second and subsequent offenses can lead to a penalty of up to $1,000. There is no risk of incarceration in these cases.

The expert agents at InsureOne can assist you with finding a policy that satisfies state law and protects what is important.

Do Corpus Christi-Specific Laws Play a Role in Determining Your Insurance Premiums?

In general, local ordinances and laws do not have any impact on what your insurance premiums are going to cost. That said, there are many other factors that can impact what you will ultimately pay. Some examples include the following:

• Your age. Younger drivers can expect to pay more due to the higher chance of them being in an accident.
• The type of car you drive. It generally costs more to insure a sports car than a sturdier vehicle like a minivan.
• Your education. A higher education level will typically lead to a lower insurance bill.
• Accident history. If you have had multiple accidents, your bill is going to go up.

What Happens If I Damage Property?

If you are involved in an accident with another driver, you are usually obligated to notify law enforcement and remain at the scene until the police arrive. The rules are different when it comes to causing property damage, like striking a parked car. If you cannot find the owner of the property to notify them of the accident, you are required to leave a note with your contact information.

If you are at fault for causing the damage, you could be financially liable for any necessary repairs. The good news is that your liability insurance will typically cover these costs.

How Many Car Accidents Happen in Corpus Christi Per Year?

There were a total of 7,435 vehicle accidents in Corpus Christi in 2023. Here is a comparison of annual Corpus Christi fatal accidents to other cities in Texas in 2023:

City	Annual Average Number of Fatal Car Crashes
Corpus Christi	34
Dallas	205
Allen	2
Abilene	7
Austin	88

 

How Many Uninsured/Underinsured Motorists Are in Corpus Christi?

Texas has a reputation for its large number of uninsured and underinsured drivers. According to the Texas Department of Motor Vehicles, one out of every five motorists in the state lacks liability coverage. This statistic does not take into account the underinsured, which are drivers who have liability insurance but not enough coverage to pay for an accident. This can be a major issue if you are involved in a crash in Corpus Christi.