Monthly car insurance calculator

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The cost of car insurance varies depending on where you live. Vermont has the cheapest average monthly car insurance rate, costing $125 a month, while Louisiana has the most expensive car insurance rate, with an average monthly cost of $348.

Estimating car insurance costs in your area is essential for finding coverage that fits your driving needs, budget, and peace of mind. 

That’s where our monthly car insurance calculator can make things easier. Our insurance calculator helps you find out the car insurance rates for different states, so that you know what to expect when you buy your own coverage. 

How to calculate the cost of car insurance

To get a quick estimate of your car insurance costs, just share a few basic details about yourself and your vehicle. Factors like your age, where you live, and your driving history all influence your rate, and our calculator uses that information to give you a realistic estimate.

Using the calculator is simple:

• Start by entering your car’s year and make/model
• Select the state you live in

After you add those details, the calculator will show you an estimated car insurance rate based on what you shared.

See how much car insurance costs each month

Tell us about your car to get an estimate.

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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

State Minimum NA^*

Liability coverage $82/month

Full Coverage $212/month

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I am currently insured

I am a good driver

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.

Understanding full coverage costs

Now that you’ve seen an estimate from the calculator, it can help to understand what goes into a full coverage quote and why it typically costs more than minimum liability. Full coverage doesn’t just pay for damage you cause to others — it also helps repair or replace your own vehicle and can cover certain medical expenses after an accident.

If you selected the full coverage option in the calculator, your estimate reflects a policy with 100/300/100 liability limits plus comprehensive and collision coverage. That means:

• $100,000 for bodily injury per person
• $300,000 for bodily injury per accident
• $100,000 for property damage
  

This is one of the strongest protection levels you can choose, and it’s designed to give you peace of mind if you’re ever in a serious crash.

Average car insurance cost by state: Monthly and annual rates

Car insurance rates vary widely from state to state and even from city to city. The state with the cheapest average monthly car insurance rate is Vermont, at an average cost of $125 a month, while the most expensive state for car insurance is Louisiana, with an average monthly cost of $348.

Here is a state-by-state rundown of how much you can expect to pay every month for a full-coverage insurance policy with 100/300/100 liability limits and comprehensive and collision coverage.

How much does car insurance cost per month?

The average cost of full coverage car insurance is about $209 per month for a 40-year-old driver with good credit and a clean driving record.

The actual amount you’ll pay for car insurance will vary depending on the amount of coverage you’re getting, your vehicle’s make and model, your driving history and the state you live in. 

Additionally, some car insurance companies will give you better rates than others, so it’s important to compare quotes from multiple insurance companies. Shopping around will help you find a better deal — you can also save on your auto insurance by comparing premiums, bundling policies and taking advantage of discounts.

Our agents make it hassle-free to get the right quote.

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How to get the best car insurance rates

Here are a few practical ways to find the best car insurance rates when you’re shopping for coverage:

• Do your research. Understanding how insurers set rates—things like your driving history, location, credit, and vehicle—helps you shop with confidence. The more you know, the easier it is to spot a fair price.
• Compare rates from multiple companies. Prices can vary widely between insurers, so it pays to get quotes from several companies. Comparing them side by side helps you find the best value for your specific situation.
• Ask about discounts. Many insurers offer savings for things like a clean driving record, bundling policies, having multiple vehicles, going paperless, or enrolling in automatic payments. Always ask what discounts you qualify for.
• Review your coverage at renewal time. Make sure your policy still fits your needs each year. Adjusting coverage levels, removing outdated add-ons, or updating your mileage or vehicle information can sometimes lower your premium.

By checking your rates regularly and keeping your coverage up to date, you give yourself the best chance at finding strong protection at a reasonable price.

Tips to lower your car insurance rates 

Lowering your car insurance costs doesn’t have to be complicated. With a few smart moves, you can keep your coverage strong while bringing your premium down.

• Shop around for quotes. Rates vary widely between insurers, so comparing quotes from several companies is one of the easiest ways to save. Even small differences can add up over a year.
• Maintain a clean driving record. Safe driving pays off. Avoiding accidents, speeding tickets, and other violations helps you qualify for better rates and prevents costly surcharges.
• Consider higher deductibles. If you’re comfortable paying more out of pocket in the event of a claim, choosing a higher deductible can significantly lower your monthly premium.
• Bundle policies. Many insurers offer discounts when you combine auto insurance with another policy, such as homeowners, renters, or life insurance. Bundling is an easy way to unlock savings.
• Take advantage of discounts. Good student discounts, safe driver programs, anti-theft devices, and safety features can all help reduce your premium. It’s worth asking your insurer which discounts you might qualify for.

Lowering your rate often comes down to staying informed and being proactive. A little comparison shopping and a few tweaks to your policy can go a long way toward keeping your coverage affordable without sacrificing protection. Let your insurer know you’re looking to save—many are willing to help you find options that fit your budget.

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.