For a 40-year-old driver with a clean record, Corpus Christi car insurance averages about $233 a month ($2,798 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 7% below the Texas average of $251 a month. State Farm has the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $163 a month.
Corpus Christi is about 7% cheaper than the Texas average for our benchmark driver. State Farm has the lowest average of any insurer we rank here, 11% below Auto Club (AAA), and it’s also lower than USAA.
Our data covers 11 ZIP codes with a Corpus Christi mailing address, from about $227 a month in 78418 to $241 in 78408.
Cost data comes from the auto rates insurers file with state regulators, priced across all 11 Corpus Christi ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 12, 2026.
Full coverage in Corpus Christi averages $2,798 a year, or about $233 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $1,104 a year ($92 a month), and 50/100/50 liability with comprehensive and collision averages $2,499 ($208 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $415 a month is 2.1 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Corpus Christi average would be about $197 a month.
State Farm has the lowest full-coverage average among the six insurers in our Corpus Christi rate data. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among these five insurers, at about $62 a month, followed by GEICO at $81. USAA comes in even lower, at about $51 a month, but it sells only to military families.
Full-coverage averages by insurer in Corpus Christi
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $742 | $62 | $1,958 | $163 |
| USAA (military families) | $615 | $51 | $2,104 | $175 |
| Auto Club (AAA) | $1,026 | $86 | $2,196 | $183 |
| GEICO | $976 | $81 | $2,527 | $211 |
| Progressive | $1,206 | $101 | $3,017 | $251 |
| Allstate | $2,057 | $171 | $4,985 | $415 |
| Texas Farm Bureau* | $579 | $48 | $1,324 | $110 |
| Farmers* | $1,468 | $122 | $4,374 | $365 |
| Corpus Christi average | $1,104 | $92 | $2,798 | $233 |
This table uses Corpus Christi ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the 11 Corpus Christi ZIP codes we price, full coverage for our driver ranges from about $227 a month in 78418 to $241 in 78408, a gap of $164 a year. North Padre Island’s 78418, Calallen’s 78410 and 78412 on the south side are among the least expensive in our data, and 78405, 78408 and 78416 are the most expensive.
Lowest-priced Corpus Christi ZIP codes
Highest-priced Corpus Christi ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Corpus Christi’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 78404 | $1,111 | $93 | $2,792 | $233 | About average |
| 78405 | $1,138 | $95 | $2,885 | $240 | +3% |
| 78408 | $1,130 | $94 | $2,889 | $241 | +3% |
| 78410 | $1,058 | $88 | $2,745 | $229 | -2% |
| 78411 | $1,094 | $91 | $2,778 | $232 | About average |
| 78412 | $1,102 | $92 | $2,750 | $229 | -2% |
| 78413 | $1,102 | $92 | $2,772 | $231 | -1% |
| 78414 | $1,107 | $92 | $2,777 | $231 | -1% |
| 78415 | $1,090 | $91 | $2,780 | $232 | About average |
| 78416 | $1,155 | $96 | $2,884 | $240 | +3% |
| 78418 | $1,055 | $88 | $2,725 | $227 | -3% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $299 a year on average in our Corpus Christi data, with the same $500 deductibles. That’s about $25 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Corpus Christi ZIP codes, their full-coverage average fell from $2,385 a year 10 months earlier to $2,360 in rates as of Sept. 30, 2026, a 1.0% drop. Auto Club (AAA) cut its Corpus Christi average 11.8% and Progressive 3.8%, while USAA raised its average 9.2% and GEICO 4.8%; State Farm’s average was about unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the Corpus Christi average above. Liability-only coverage at 30/60/25 limits fell 4.2%, led by Auto Club (AAA), which cut its liability-only average 16.5%.
Corpus Christi sits on the Gulf Coast, where hurricanes, storm surge and hail can damage cars. Only comprehensive coverage pays for hail and flood damage to your car, so it’s worth keeping if you don’t have a garage.
Nueces County averages about $233 a month for full coverage in our data. Nearby coastal counties cost less: San Patricio County averages $225 and Aransas County $220, and Kleberg County, home to Kingsville, is the third-least expensive of the 179 Texas counties we price, at $215.
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
McAllen, about 120 miles south, averages $261 a month, and San Antonio, about 130 miles northwest, $258. Laredo averages $250.
Drivers in Corpus Christi follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
Across the four counties in the Corpus Christi area and 21 ZIP codes we price there, full coverage runs from about $215 a month in Kleberg County to $233 in Nueces County. The Texas average is $251. These figures use the same rate data and benchmark driver as the rest of this page.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Nueces County | 12 | $1,101 | $92 | $2,794 | $233 |
| San Patricio County | 7 | $1,001 | $83 | $2,702 | $225 |
| Aransas County | 1 | $985 | $82 | $2,635 | $220 |
| Kleberg County | 1 | $991 | $83 | $2,574 | $215 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Corpus Christi averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. Across the four counties in this table, SUV policies cost the least on average and hybrid policies the most, about 21% more. Search the table for your county.
| County: | Car | SUV: | Sports: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Nueces | $1,233 | $1,065 | $1,180 | $1,223 | $1,282 |
| Kleberg | $1,141 | $982 | $1,087 | $1,137 | $1,194 |
| Aransas | $1,099 | $945 | $1,046 | $1,099 | $1,154 |
| San Patricio | $1,096 | $944 | $1,046 | $1,091 | $1,146 |
| Avg. Yearly Cost: | $1,142 | $984 | $1,090 | $1,138 | $1,194 |
| Avg. Monthly Cost: | $95 | $82 | $91 | $95 | $100 |
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
For our benchmark driver, full coverage in Corpus Christi averages about $233 a month ($2,798 a year) and liability-only coverage about $92 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is 7% below the Texas average of $251 a month. Without Allstate, the Corpus Christi average is about $197 a month.
State Farm has the lowest full-coverage average in our Corpus Christi rate data, at about $163 a month, followed by Auto Club (AAA) at $183 among insurers anyone can buy from. USAA, which sells only to military families, averages about $175 a month. For liability-only coverage, State Farm has the lowest average among the five major insurers we compared, at about $62 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
State Farm, in our data. Its full-coverage average of about $163 a month is below USAA’s $175. USAA sells only to military members, veterans and their families.
In our data, 78418 has the lowest full-coverage average in Corpus Christi, at about $227 a month, and 78408 the highest, at about $241. The ZIP code table on this page lists all 11.
In our Corpus Christi data, full coverage (100/300/100 with $500 deductibles) averages about $233 a month and liability-only coverage at 30/60/25 limits about $92, a difference of about $141 a month ($1,694 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their Corpus Christi full-coverage average fell 1.0%, from about $2,385 to $2,360 a year. That’s lower than the Corpus Christi average of $2,798 because it leaves out Allstate. Auto Club (AAA) cut its Corpus Christi average 11.8% and Progressive 3.8%, while USAA raised its average 9.2% and GEICO 4.8%. Liability-only coverage at 30/60/25 limits fell 4.2%.
For our benchmark driver, full coverage in Corpus Christi averages about $233 a month. Nearby, McAllen averages about $261, Laredo about $250 and San Antonio about $258. Corpus Christi is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
