Estimates, not quotes

Audi A3 vs Acura Integra Insurance Cost

The Audi A3 is cheaper to insure by about $25 a year for full coverage by our estimate ($1,615 vs. $1,640), and cheaper in 49 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageAudi A3Acura IntegraDifference
State minimum$595$595—
Standard (100/300/100)$860$860—
Full coverage$1,615$1,640−$25

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = A3 minus Integra.

Why one costs more to insure

FactorAudi A3Acura Integra
SegmentLuxury carLuxury car
PowertrainsGasoline, Hybrid, Plug-in hybrid, DieselGasoline
HLDI collision (100 = avg)118120
HLDI comprehensive73100
HLDI property damage liability9694
HLDI bodily injury liability—101
NHTSA overall rating—5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)03

Collision losses are the biggest swing factor: the Acura Integra has 2 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Audi A3.

A3 vs Integra insurance by state

StateA3IntegraDifference
Alabama$1,415$1,440−$25
Alaska$1,430$1,445−$15
Arizona$1,680$1,710−$30
Arkansas$1,430$1,465−$35
California$1,630$1,630—
Colorado$1,795$1,855−$60
Connecticut$1,720$1,730−$10
Delaware$1,785$1,800−$15
District of Columbia$2,060$2,080−$20
Florida$2,270$2,290−$20
Georgia$1,980$2,000−$20
Hawaii$1,145$1,145—
Idaho$1,100$1,115−$15
Illinois$1,410$1,430−$20
Indiana$1,155$1,175−$20
Iowa$1,085$1,125−$40
Kansas$1,270$1,320−$50
Kentucky$1,350$1,375−$25
Louisiana$2,220$2,255−$35
Maine$1,040$1,055−$15
Maryland$1,815$1,835−$20
Massachusetts$1,610$1,620−$10
Michigan$1,780$1,800−$20
Minnesota$1,330$1,375−$45
Mississippi$1,535$1,575−$40
Missouri$1,455$1,490−$35
Montana$1,265$1,320−$55
Nebraska$1,275$1,325−$50
Nevada$1,840$1,845−$5
New Hampshire$1,165$1,180−$15
New Jersey$1,940$1,950−$10
New Mexico$1,445$1,475−$30
New York$2,155$2,175−$20
North Carolina$1,225$1,245−$20
North Dakota$1,025$1,070−$45
Ohio$1,160$1,180−$20
Oklahoma$1,445$1,490−$45
Oregon$1,440$1,455−$15
Pennsylvania$1,425$1,445−$20
Rhode Island$1,955$1,965−$10
South Carolina$1,700$1,730−$30
South Dakota$1,195$1,270−$75
Tennessee$1,355$1,375−$20
Texas$1,900$1,950−$50
Utah$1,460$1,475−$15
Vermont$1,070$1,085−$15
Virginia$1,390$1,410−$20
Washington$1,405$1,415−$10
West Virginia$1,345$1,380−$35
Wisconsin$1,095$1,125−$30
Wyoming$1,230$1,300−$70

By driver profile (full coverage)

DriverA3Integra
Teen driver (18, own policy)$4,445$4,510
Young adult (22)$2,585$2,625
Adult in their 30s$1,615$1,640
Adult in their 50s$1,485$1,510
Senior (72)$1,810$1,835
30s, one at-fault accident$2,345$2,380
30s, DUI on record$2,990$3,035

More comparisons

Frequently asked questions

Is the Audi A3 or the Acura Integra cheaper to insure?

By our estimate the Audi A3 is cheaper, by about $25 a year for full coverage ($1,615 vs. $1,640) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Audi A3 and Acura Integra?

Mostly because of insurance-loss history: HLDI collision indices of 118 vs. 120 and comprehensive indices of 73 vs. 100 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page