Estimates, not quotes

Audi S3 vs Acura Integra Insurance Cost

The Audi S3 is cheaper to insure by about $120 a year for full coverage by our estimate ($1,520 vs. $1,640), and cheaper in 51 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 S3Acura IntegraDifference
State minimum$485$595−$110
Standard (100/300/100)$705$860−$155
Full coverage$1,520$1,640−$120

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = S3 minus Integra.

Why one costs more to insure

FactorAudi S3Acura Integra
SegmentLuxury carLuxury car
PowertrainsGasoline, HybridGasoline
HLDI collision (100 = avg)122120
HLDI comprehensive95100
HLDI property damage liability6794
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 Audi S3 has 2 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

S3 vs Integra insurance by state

StateS3IntegraDifference
Alabama$1,355$1,440−$85
Alaska$1,350$1,445−$95
Arizona$1,580$1,710−$130
Arkansas$1,390$1,465−$75
California$1,540$1,630−$90
Colorado$1,725$1,855−$130
Connecticut$1,590$1,730−$140
Delaware$1,635$1,800−$165
District of Columbia$1,945$2,080−$135
Florida$2,055$2,290−$235
Georgia$1,820$2,000−$180
Hawaii$1,080$1,145−$65
Idaho$1,040$1,115−$75
Illinois$1,340$1,430−$90
Indiana$1,100$1,175−$75
Iowa$1,070$1,125−$55
Kansas$1,245$1,320−$75
Kentucky$1,270$1,375−$105
Louisiana$2,080$2,255−$175
Maine$990$1,055−$65
Maryland$1,690$1,835−$145
Massachusetts$1,510$1,620−$110
Michigan$1,680$1,800−$120
Minnesota$1,290$1,375−$85
Mississippi$1,475$1,575−$100
Missouri$1,395$1,490−$95
Montana$1,250$1,320−$70
Nebraska$1,250$1,325−$75
Nevada$1,660$1,845−$185
New Hampshire$1,110$1,180−$70
New Jersey$1,770$1,950−$180
New Mexico$1,380$1,475−$95
New York$1,985$2,175−$190
North Carolina$1,185$1,245−$60
North Dakota$1,025$1,070−$45
Ohio$1,105$1,180−$75
Oklahoma$1,405$1,490−$85
Oregon$1,325$1,455−$130
Pennsylvania$1,365$1,445−$80
Rhode Island$1,800$1,965−$165
South Carolina$1,575$1,730−$155
South Dakota$1,215$1,270−$55
Tennessee$1,295$1,375−$80
Texas$1,825$1,950−$125
Utah$1,345$1,475−$130
Vermont$1,035$1,085−$50
Virginia$1,310$1,410−$100
Washington$1,295$1,415−$120
West Virginia$1,305$1,380−$75
Wisconsin$1,060$1,125−$65
Wyoming$1,245$1,300−$55

By driver profile (full coverage)

DriverS3Integra
Teen driver (18, own policy)$4,185$4,510
Young adult (22)$2,435$2,625
Adult in their 30s$1,520$1,640
Adult in their 50s$1,400$1,510
Senior (72)$1,705$1,835
30s, one at-fault accident$2,205$2,380
30s, DUI on record$2,815$3,035

More comparisons

Frequently asked questions

Is the Audi S3 or the Acura Integra cheaper to insure?

By our estimate the Audi S3 is cheaper, by about $120 a year for full coverage ($1,520 vs. $1,640) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Audi S3 and Acura Integra?

Mostly because of insurance-loss history: HLDI collision indices of 122 vs. 120 and comprehensive indices of 95 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