Acura Integra Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure an Acura Integra than the average car.
• Liability only car insurance premiums for an Integra tend to be around $76 monthly, while full coverage normally runs about $155.
• NYCM offers the most affordable average rates for an Integra with liability only coverage offered for as little as $41 a month.

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Integra Overview

Coming in with a base MSRP of $19,400 for 2001 models, the Acura Integra is a great budget-friendly option for any driver. There's a Integra for every driver, with your choice of four different trim options.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've found that Acura Integra auto insurance rates are around $100 monthly, on average. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for an Acura Integra?

Based on the table above, compared to other vehicles, Acura Integra insurance prices are right about average. Integra drivers typically pay around $155 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $76 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Comparing it to other models, the Integra is less expensive, with premiums about 12% lower than Acura's other vehicle offerings. Likewise, coverage for the Integra is below average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive rates than other cars.

Compared to all vehicles of any body type, insurance prices for both liability only and full coverage policies run less expensive than average.

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Who has the Cheapest Car Insurance for an Acura Integra?

Searching for a car insurance policy for your Acura Integra? You may be wondering which carrier offers the cheapest rates. Although there will never be one company that has the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $36 a month from Shelter Mutual. The next lowest carrier is NYCM, who offers car insurance as little as just $41 monthly.

American Family, FirstChicago, and Mile Auto round out the rest of the top 5 list. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Car insurance companies use multiple variables and complex formulas to calculate premiums. Since every driver is different, there's only one way to make sure you get the most affordable premiums, and that's by getting personalized quotes and comparing rates from a variety of auto insurance carriers.

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What Factors Affect Car Insurance Rates for an Acura Integra?

There are lots of pieces that insurance companies consider to determine how much they charge you for a policy -- and every company uses a different algorithm, so there's not just one carrier that's the lowest for each driver.

The following sections show a bunch of factors car insurance carriers use to calculate rates:

Vehicle Age

The Acura Integra has been around for a while -- that means vehicle age can make a difference in what you end up paying for auto insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually decrease.

A new Acura Integra model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the most expensive Acura Integras to insure are those that are 15 years old or more, while the cheapest models are Integras that are 11 to 14 years old, on average.

Your Age

Age makes a significant difference in how much you pay for insurance. As you can see above, drivers who have more experience on the road have more affordable rates compared to young Integra drivers. Acura Integra drivers 18 to 24 actually pay $42 more than those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group for Integra drivers being 55-64.

Your Gender

Because women are less likely to get tickets and get into accidents, they are less likely to file a claim with insurance. So, insurance companies will tend to offer women more affordable premiums. The Acura Integra is no different, and men pay around 23% more than women per month for auto insurance.

Where You Live

It may seem like common sense that things like how old you are and what vehicle you drive play a role in your car insurance prices, but you may not realize that where you live matters, too. Auto insurance is regulated at the state level, so rates change quite a bit depending on where you live.

For example, the average Acura Integra owner from New York pays about $177 a month for liability coverage. Meanwhile, on average, the same driver from California will pay less than 50% of that price. The chart above shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change depending on where you live.

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Acura Integra Car Insurance Discounts

No matter what vehicle you drive, what state you live in, or how old you are, it's always a good idea to take advantage of as many insurance discounts as possible when shopping around for a policy.

Not every auto insurance company will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Multi-policy discounts for getting both your home and auto policies from the same insurance carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Pay-in-full discounts for choosing to pay your entire policy rate at once, rather than in monthly installments
• Multi-vehicle discounts for having several cars on your auto policy

These are just a few of the discounts car insurance carriers offer, and sometimes, it's actually your driving record and insurance profile that get you the cheapest rates.

You obviously can't control every single aspect of your auto insurance profile (like some of the variables we mentioned above), but there is quite bit in your control. Below are just a few of the factors you can use to your favor in order to save money on insurance:

Your Driving Record

It's no secret that car insurance companies offer the cheapest prices to drivers with a history of responsible driving. And you probably wouldn't be surprised that your insurance premiums will increase if you get a ticket for speeding or get into an accident. But exactly how much will these infractions cost you?

Based on the table above, accidents will usually cost Integra drivers more than tickets, but both will result in higher than normal rates. Acura Integra drivers with one ticket will pay about $89 monthly, while drivers with a single accident on their record pay an average of $104 every month (up $28 from the $76/mo. overall average). The rates only go higher the more accidents you have or tickets you get.

How Much You Drive

The total amount of miles you drive annually plays a big role when it comes to your car insurance prices. Those who are on the roads less have fewer opportunities to get into an accident, so they'll generally get cheaper premiums. In the table above, you can see that Acura Integra owners who drive fewer than 2,500 miles a year pay an average of $68 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $79.

If you happen to be one of those drivers who put very few miles on your Acura Integra each year, you might consider choosing a usage-based or pay-per-mile car insurance policy. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Acura Integras Compare to Other Vehicles?

If you're considering purchasing a new vehicle and an Acura Integra is on your shortlist, it might be helpful to do your homework. Insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Take a look at the table below to see how the Acura Integra stacks up:

As you can see, the Acura Integra is right on par with the average vehicle price here in the U.S. The Integra has an MSRP of $19,400, close to the national average vehicle MSRP of $27,209. And since there hasn't been a new Integra model on the market recently, used prices will be even lower.

But while the purchase price runs about average, insurance rates run slightly above average when compared to the rest of the vehicle market. Full coverage insurance for an Acura Integra is around $21 per month more than average, while liability only coverage is per month.

When it comes to usage, Acura Integra drivers are near the national average in annual miles driven, with 11,617 miles per year for all vehicles compared to the Integra's 10,912 each year.

Acura Integra Car Insurance Costs by Model Year

We've walked through many of the things that can affect how much you might pay for auto insurance. If you're considering buying a new vehicle and the Integra is one you're thinking about, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your options.

Choose Your Model

2001 Acura Integra Car Insurance 2000 Acura Integra Car Insurance 1999 Acura Integra Car Insurance 1998 Acura Integra Car Insurance 1997 Acura Integra Car Insurance 1996 Acura Integra Car Insurance 1995 Acura Integra Car Insurance 1994 Acura Integra Car Insurance 1993 Acura Integra Car Insurance 1992 Acura Integra Car Insurance 1991 Acura Integra Car Insurance 1990 Acura Integra Car Insurance 1989 Acura Integra Car Insurance

2001 Acura Integra Car Insurance

The average cost to insure a 2001 Integra with liability only coverage is $81 monthly, while full coverage runs about $190 a month.

With prices as low as just $23 per month, Mercury offered the most affordable policy we found for the 2001 Acura Integra.

If you want to know exactly how much you can expect to pay for your Integra, get free quotes in minutes by just entering your ZIP code below.

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2000 Acura Integra Car Insurance

2000 Acura Integra drivers can expect to pay an average of $84 a month for liability or $172 for full coverage.

Gainsco offered the lowest policy we found, with rates as low as $17 monthly.

Want to find the best rates? Just enter your ZIP code below to get several personalized quotes for free.

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1999 Acura Integra Car Insurance

It costs around $93 per month for liability or $247 for a full coverage policy for the 1999 Integra.

Hallmark has rates as cheap as $23 monthly for the 1999 Acura Integra.

If you want to find the best prices for car insurance for a 1999 Acura Integra, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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1998 Acura Integra Car Insurance

You can expect full coverage for a 1998 Acura Integra to run about $177 per month, while liability only coverage will average around $78 a month.

If you're looking for the cheapest possible 1998 Acura Integra insurance policy, Mercury offered the cheapest policy we found, with rates sometimes as little as $23 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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1997 Acura Integra Car Insurance

On average, drivers who own a 1997 Integra can expect to pay $71 to $140 monthly for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? Mercury offered liability only coverage for as cheap as just $23 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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1996 Acura Integra Car Insurance

The average cost to insure a 1996 Acura Integra with liability only coverage is $66 monthly, while full coverage runs about $114 per month.

With premiums sometimes as cheap as $24 a month, Workmens offered the most affordable policy we found.

Want to know just how much you'll pay? Just enter your ZIP code below to get a variety of customized quotes for free.

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1995 Acura Integra Car Insurance

On average, drivers who own a 1995 Integra can expect to pay $80 to $157 per month for liability only and full coverage car insurance, respectively.

We found Hugo offered the cheapest policy, with rates sometimes as low as $18 a month.

If you want to find the best rates for auto insurance for a 1995 Acura Integra, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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1994 Acura Integra Car Insurance

It costs around $74 monthly for liability or $118 for a full coverage policy for the 1994 Acura Integra.

If you're looking for the most affordable 1994 Acura Integra insurance policy, CaliforniaCasualty offered the most affordable policy we found, with rates as cheap as $20 a month.

If you want to know exactly how much you can expect to pay for your Integra, just enter your ZIP code below and get several free quotes in minutes.

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1993 Acura Integra Car Insurance

1993 Integra drivers can expect to pay an average of $57 per month for liability or $156 for full coverage.

SafeAuto has premiums as cheap as just $24 monthly for the 1993 Acura Integra.

Interested in what your insurance price will be? Enter your ZIP code below to get multiple free customized quotes.

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1992 Acura Integra Car Insurance

You can expect full coverage for a 1992 Acura Integra to run about $132 per month, while liability only coverage will average around $74 monthly.

Mercury offered the cheapest policy we found, with rates sometimes as low as $16 a month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 1992 Acura Integra, you can get free quotes in minutes by just entering your ZIP code below.

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1991 Acura Integra Car Insurance

The average cost to insure a 1991 Integra with liability only coverage is $80 monthly, while full coverage runs about $111 per month.

With rates sometimes as little as $19 a month, Mapfre offered the lowest policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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1990 Acura Integra Car Insurance

You can expect full coverage for a 1990 Acura Integra to run around $114 monthly, while liability only coverage will average about $70 per month.

We found SafeAuto offered the cheapest policy, with rates as low as just $19 a month.

Interested in just how much you'll pay? Get lots of personalized quotes for free by just entering your ZIP code below.

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1989 Acura Integra Car Insurance

It costs around $40 monthly for liability or $164 for a full coverage policy for the 1989 Integra.

With prices sometimes as cheap as $21 a month, Mercury offered the most affordable policy we found for the 1989 Acura Integra.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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Acura Integra Insurance FAQs

Is an Acura Integra expensive to insure?

Liability insurance runs an average of $76 per month, while full coverage will cost you around $155. It costs less to insure an Acura Integra when compared to the average car.

How can I get the best price on car insurance for my Acura Integra?

There's only one way to be sure you're getting the lowest rates -- regularly shopping around and comparing quotes from numerous carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole range of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Acura Integra affect my insurance premiums?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's simply not true. Even though there are many variables car insurance carriers look at when they decide how much your policy will be, your car's color is not on that list.

Do I need to have insurance before I buy an Acura Integra?

Before you can legally drive your new (or new to you) Acura Integra off the dealership lot, you'll need to have valid insurance for it. As part of the buying process, some dealerships might offer you a car insurance policy, but your best bet is letting your car insurance carrier know before you buy.

What car insurance discounts can I get for my Acura Integra?

There are a bunch of different discounts out there for insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your vehicle and more on you, but if your Integra has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out is to get in touch with your insurance company and ask about their discounts, since they vary quite a bit from company to company.