Full coverage car insurance calculator

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Our full coverage car insurance calculator helps you estimate how much you might pay for coverage — no guesswork required. Just plug in your car, location, and a few basic details to get a personalized rate based on real market data. You can adjust your coverage levels, add or remove drivers, and see how your price changes instantly. It’s a smart first step before shopping for official quotes.

If your current car insurance premium is significantly higher than what our tool estimates, it might be time to shop around or adjust your coverage.

Full coverage car insurance calculator

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Vehicle model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S

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Acura Integra

Nationwide

Vehicle details

Vehicle year 2024

Style 2WD 4 Door Hatchback Automatic Turbo

State Nationwide

Cylinders 4

Make & model Acura - Integra

Vehicle type Luxury Car

Your estimated rate

Full Coverage $2,542/year

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A good driver means:

• Have no accidents or violations in the last 3 years.
• Don't have a DUI.
• Don't need an SR22.

Number of vehicles

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Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Data last refreshed in 2025

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Why full coverage car insurance might be worth the cost

When it comes to protecting your car and your wallet, full coverage car insurance offers comprehensive peace of mind. Whether you’re driving a brand-new SUV or a trusted sedan, this type of policy combines liability, collision, and comprehensive coverage to safeguard you against accidents, theft, and unexpected damages.

The cost of full coverage car insurance varies widely based on factors like your age, driving record, location, and the type of vehicle you drive. Our full coverage car insurance calculator takes the guesswork out of finding the right policy for your budget. By analyzing key factors, the calculator provides a personalized estimate of how much you can expect to pay for full coverage. Armed with this information, you can confidently shop for insurance that meets your needs without overpaying.

On average, full coverage tends to be more expensive than minimum liability coverage, but the added protection can be well worth the investment for many drivers. Since car insurance rates differ between insurers, shopping around and comparing quotes is essential to finding the best possible price for your coverage.

Full coverage car insurance estimate by state

Full coverage car insurance costs $1,682 a year on average, based on the profile of a 40-year-old male driver with clean driving record and good insurance score. Where you live has a big impact on your car insurance rates. To calculate full car insurance coverage rates, insurers consider how often people in your area file insurance claims, how much those claims cost, and the frequency of theft and vandalism in the area, among other factors.

It’s a good idea to choose full coverage car insurance for vehicles from 2020 or newer.

The table below shows full coverage car insurance rates by state.

Is it worth it to get full coverage car insurance?

If your car is new or has significant value, full coverage can provide crucial protection against costly repairs or replacement. Additionally, if you rely heavily on your car and would struggle to cover unexpected expenses, the added peace of mind may outweigh the higher premiums. However, for older vehicles with lower market value, the cost of full coverage might not be justifiable, as repairs could exceed the car’s worth. Carefully weighing these factors can help you decide if full coverage aligns with your needs and budget.

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Methodology

Insure.com gathered average full coverage car insurance rates across all the states with the help of Quadrant Data Services. Rates are based on a 40-year-old male driver with a clean (no violations) and good insurance score driving a 2021 Honda Accord LX.

Nupur Gambhir

Managing Editor

 

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Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.