Monthly car insurance calculator

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. For a deeper dive into our process, see our complete methodology. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Full coverage car insurance averages $215 a month nationally. What you pay comes down to your state and your driving record — drivers in the cheapest state pay $138 a month, drivers in the most expensive pay $333, and violations like a speeding ticket or an at-fault accident push your rate up 38% on average.

Use the calculator below to see what a driver like you pays in your ZIP code. Then get quotes from three or four companies and compare them against that range — if they all come in above it, try a few more so you’re not overpaying, since the cheapest company for one driver is rarely the cheapest for the next.

How to calculate the cost of car insurance

What you pay depends heavily on the car you drive — an Acura Integra and a Honda Accord in the same ZIP code can differ by $50 a month or more, because insurers price around what each one costs to repair and how often they get stolen.

Pick your vehicle and state below to see estimated monthly rates at three coverage levels. Compare the full coverage number against the quotes you receive, and if they all come in higher, try a few more companies so you’re not overpaying.

See how much car insurance costs each month

Tell us about your car to get an estimate.

Vehicle year Vehicle year2024202320222021202020192018201720162015

State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Vehicle make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFiatFordGenesisGMCHondaHyundaiIneosInfinitiJaguarJeepKiaLand RoverLexusLincolnLucidMaseratiMazdaMercedes-AMGMercedes-BenzMercedes-MaybachMiniMitsubishiNissanPolestarPorscheRamRivianSubaruTeslaToyotaVinFastVolkswagenVolvo

Vehicle model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD A-Spec AdvanceMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX 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 A-SpecTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type STLX 3.0T Type S High Performance Tire

Vehicle already present. Please select a different vehicle.

Matching results for your vehicle

Add another vehicle

Add a vehicle to Compare!!!

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 $65/month

Liability coverage $98/month

Full Coverage $236/month

Recommended

Get quotes

Let's start saving!

To save more, tell us about yourself:

What is Your Zip Code?

What is Your Age?

Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+

SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS:

I am a homeowner

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

-

+

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit.

For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations.

Average rates are for comparative purposes; your rate will depend on your personal factors.

Read more about our research standards and methodology.

How does coverage affect what you pay?

The coverage you choose moves the needle more than anything else, which is why comparing matters so much. There are three main levels of car insurance to know:

• State minimum: The lowest amount of coverage your state legally lets you drive with. In most states that means liability, but some states also require PIP or MedPay, which helps cover medical bills for you and your passengers after a crash, no matter who caused it. It’s the cheapest option, but also the least protection you can have.
• Liability-only: This pays for damage and injuries you cause to someone else, not anything that happens to you or your car. Going with higher limits than the state minimum, like 50/100/50, just means more of the other person’s costs get covered if things get expensive, like a serious injury or a totaled car.
• Full coverage: This adds collision and comprehensive on top of liability, and it’s the only option that protects your own car too. Collision pays to fix your car after a crash, no matter who caused it. Comprehensive pays for damage that isn’t from a crash, like theft, fire, or hitting a deer. It’s the most expensive of the three, and worth it mainly if your car is financed, leased or new enough that replacing it out of pocket would hurt.

What each coverage level pays after an accident

State minimum costs $62 a month, liability-only with higher limits costs $69, and full coverage costs $215. Paying $153 less a month for state minimum means paying far more after a crash — you cover anything above your $10,000 limit yourself, and your own car’s repairs come out of pocket no matter who caused the accident.

Here’s what each one pays after a crash that does $25,000 to another driver’s car and $6,000 to yours.

• State minimum, $62 a month. Your $10,000 limit leaves you owing the other driver $15,000, and your own $6,000 repair bill is yours too. Total out of pocket: $21,000.
• Liability-only with higher limits, $69 a month. The other driver’s $25,000 is covered in full, but your $6,000 repair bill is still yours.
• Full coverage, $215 a month. Both are covered, and you pay only your deductible — $500 on a typical policy.

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

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Car insurance rates by state

Car insurance rates vary more by state than almost any other factor. Louisiana is the most expensive at $333 a month, more than double Vermont’s $138, the cheapest state in the country.

Your location is one of the biggest factors that determine your premium. Rates come down to how much coverage your state requires, how often crashes there turn into injury claims and lawsuits, what a repair costs locally, how much weather damage insurers pay out and how many drivers on the road carry no insurance at all.

Here’s the average monthly and annual cost of full coverage in every state.

How to lower your car insurance premium

The fastest way to lower your rate is to compare quotes from a few insurers, since prices for the same coverage can vary by hundreds of dollars a year depending on the company. Beyond that, raising your deductible, bundling policies, and asking about discounts can all bring your monthly payment down.

• Compare quotes. Insurers don’t all charge the same for the same coverage. Getting quotes from a few different companies is the single biggest way to find a lower price.
• Raise your deductible. This is the amount you pay out of pocket before your insurance kicks in. A higher deductible means a lower monthly bill, as long as you’re comfortable covering that cost if you ever need to file a claim.
• Bundle your policies. If you combine your car insurance with home or renters insurance from the same company, most insurers will knock a bit off both.
• Ask about discounts. Things like a clean driving record, good grades if you’re a student, paperless billing, or autopay can all lower your rate. It’s worth asking your insurer what you qualify for.
• Choose the right car. Your car’s price, safety record, and repair costs all affect your rate. A luxury car or sports car usually costs more to insure than a sedan or an economy car, since it’s more expensive to fix or replace. 

Alisha Ambre

 

 . .

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.