Corpus Christi Car Insurance

Find the right car insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


Corpus Christi is a coastal city, so area roadways are often crowded with revelers heading to and from the beaches and tourists who may not be familiar with the traffic patterns. Vehicular accidents can happen on any type of road at any time of day, and if the accident is a serious one, it can prove quite expensive. You can protect yourself from this financial hardship with a top-rated Corpus Christi, TX car insurance policy.

Insurance agents in the Trusted Choice® network are available to help you find the right auto policy to meet your personal coverage needs. It is easy to find a member agent near your home who can help you find a suitable policy at a great price. Because they are independent of any one insurer, these agents are able to provide you with, and help you compare, multiple Corpus Christi auto insurance quotes.

Texas Car Insurance Costs

  • National average cost per year: $1,311
  • Texas average cost per year: $1,449
  • 17th most expensive premiums in the US

Car insurance rates in Texas are higher than the national average, but these rates should be used as guidelines only. The actual cost of your policy will depend on many factors, including the make, model and year of your vehicle, your age and driving record, and how much coverage you purchase.

Texas Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 30/60/25
    • Coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual, and $25,000 coverage for property damage

If you own a car in Corpus Christi, you will be required to carry liability insurance before you can take it out on the road. Every state has minimum liability coverage requirements, and Texas is no exception. There are stiff penalties for failure to carry the required insurance coverage. First offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their vehicle, and license suspension.

These minimums are designed to protect both you and any other person involved in a collision from the financial burdens that an accident can bring. You will need to be certain that your Corpus Christi car insurance policy meets the state requirements.

Although the Texas-required minimums may seem high, a major collision, particularly one that involves injuries or fatalities, has the potential to accumulate costs that are far greater than the coverage limits of a basic policy. If you are the driver deemed responsible for the collision, you will be expected to cover any excess costs out-of-pocket. Because this can lead to financial difficulties or even bankruptcy, most insurance experts recommend that you purchase as much liability protection as you can afford.

Texas Uninsured Motorists

  • National uninsured motorists: 13%
  • Texas uninsured motorists: 14.1%
  • Average vehicle repair cost in Texas: $2,434

The percentage of Texans without the required coverage is higher than the national average. Uninsured motorist coverage is not required by the state, but it can provide extra security. This insurance will cover damages if an at-fault driver does not have liability insurance or the money to compensate you.

The Texas Sure Program is aimed at reducing the number of resident vehicle owners who do not have mandated liability coverage. Drivers in Corpus Christi cannot renew their vehicle registrations or driver licenses without showing proof of insurance.

Corpus Christi Car Insurance Offers Other Coverage Options

Your car insurance policy can go beyond the limitations of basic liability coverage. If you financed the purchase of your car, your lender most likely required you to carry more extensive car insurance for the duration of your loan. Once your loan is paid off, however, this coverage becomes optional.

Your policy can provide medical coverage for you and your passengers if you are injured in a collision. It can also include coverage for damages to your vehicle that result from an accident, regardless of fault. Comprehensive coverage will compensate you for loss or damage to your automobile when it is not in use. This damage can be caused by falling objects, weather-related events, fires, vandalism or theft.

Number of Thefts in Texas

  • National vehicle thefts (per 1,000 registered vehicles): 2.28
  • Texas vehicle thefts (per 1,000 registered vehicles): 2.43

Though the rate of vehicle theft in Texas exceeds the national average, it is quite low in Corpus Christi. Recently, residents reported a total of 566 auto thefts, which equates to just 1.77 for every 1,000 registered vehicles. Though the auto theft crime rate is low in the city, residents are advised to secure their vehicles when not in use.


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Enjoy secure driving in this coastal city with a good Corpus Christi car insurance policy protecting you. Find the right plan at the right price by contacting a local agent in the network. These agents can help you compare policies and quotes from several different insurance companies.

Trusted Choice network representatives can be found all over the country, and many have offices right here in Corpus Christi. Using our database, it's easy to find a member agent near you and set up an obligation-free meeting to learn more. 

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