Estimates, not quotes

Lexus ES vs Acura Integra Insurance Cost

The Lexus ES is cheaper to insure by about $50 a year for full coverage by our estimate ($1,590 vs. $1,640), and cheaper in 50 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

CoverageLexus ESAcura IntegraDifference
State minimum$545$595−$50
Standard (100/300/100)$790$860−$70
Full coverage$1,590$1,640−$50

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

Why one costs more to insure

FactorLexus ESAcura Integra
SegmentLuxury carLuxury car
PowertrainsGasoline, Hybrid, ElectricGasoline
HLDI collision (100 = avg)121120
HLDI comprehensive108100
HLDI property damage liability7894
HLDI bodily injury liability92101
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)23

Collision losses are the biggest swing factor: the Lexus ES has 1 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

ES vs Integra insurance by state

StateESIntegraDifference
Alabama$1,410$1,440−$30
Alaska$1,405$1,445−$40
Arizona$1,660$1,710−$50
Arkansas$1,440$1,465−$25
California$1,585$1,630−$45
Colorado$1,815$1,855−$40
Connecticut$1,670$1,730−$60
Delaware$1,730$1,800−$70
District of Columbia$2,020$2,080−$60
Florida$2,190$2,290−$100
Georgia$1,925$2,000−$75
Hawaii$1,115$1,145−$30
Idaho$1,085$1,115−$30
Illinois$1,395$1,430−$35
Indiana$1,145$1,175−$30
Iowa$1,115$1,125−$10
Kansas$1,300$1,320−$20
Kentucky$1,335$1,375−$40
Louisiana$2,190$2,255−$65
Maine$1,030$1,055−$25
Maryland$1,775$1,835−$60
Massachusetts$1,570$1,620−$50
Michigan$1,750$1,800−$50
Minnesota$1,350$1,375−$25
Mississippi$1,540$1,575−$35
Missouri$1,460$1,490−$30
Montana$1,305$1,320−$15
Nebraska$1,305$1,325−$20
Nevada$1,765$1,845−$80
New Hampshire$1,150$1,180−$30
New Jersey$1,870$1,950−$80
New Mexico$1,440$1,475−$35
New York$2,095$2,175−$80
North Carolina$1,225$1,245−$20
North Dakota$1,060$1,070−$10
Ohio$1,150$1,180−$30
Oklahoma$1,465$1,490−$25
Oregon$1,400$1,455−$55
Pennsylvania$1,415$1,445−$30
Rhode Island$1,895$1,965−$70
South Carolina$1,670$1,730−$60
South Dakota$1,270$1,270—
Tennessee$1,345$1,375−$30
Texas$1,905$1,950−$45
Utah$1,420$1,475−$55
Vermont$1,070$1,085−$15
Virginia$1,370$1,410−$40
Washington$1,365$1,415−$50
West Virginia$1,355$1,380−$25
Wisconsin$1,105$1,125−$20
Wyoming$1,295$1,300−$5

By driver profile (full coverage)

DriverESIntegra
Teen driver (18, own policy)$4,380$4,510
Young adult (22)$2,550$2,625
Adult in their 30s$1,590$1,640
Adult in their 50s$1,465$1,510
Senior (72)$1,785$1,835
30s, one at-fault accident$2,310$2,380
30s, DUI on record$2,945$3,035

More comparisons

Frequently asked questions

Is the Lexus ES or the Acura Integra cheaper to insure?

By our estimate the Lexus ES is cheaper, by about $50 a year for full coverage ($1,590 vs. $1,640) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lexus ES and Acura Integra?

Mostly because of insurance-loss history: HLDI collision indices of 121 vs. 120 and comprehensive indices of 108 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