How much is insurance for a 1999 Acura Integra?
The cost of insuring a 1999 Acura Integra varies widely based on who is driving, where you live, and how you drive. There isn’t a single price, but you can expect a broad range depending on coverage and personal factors.
In general, a typical driver with full coverage can expect roughly $1,000 to $2,000 per year, while liability-only policies are often substantially cheaper. Rates can be higher in costly states or for drivers with tickets or accidents, and lower for safe, younger drivers who shop around and take advantage of discounts.
What factors influence the cost of insurance for a 1999 Acura Integra
below is a list of the main factors insurers consider when pricing a policy for a vehicle of this age. Understanding these can help you anticipate where your quote might land.
- Driver age, gender, and driving history (tickets, accidents, claims)
- Location and ZIP code (urban areas and high-cost states generally cost more)
- Vehicle value, repair costs, and theft risk
- Coverage level (liability only vs. full coverage) and selected deductibles
- Annual mileage and how the car is used (commuting, pleasure driving, trips to work)
- Credit-based insurance scoring where permitted by state law
- Discount eligibility (bundling policies, safe-driver programs, anti-theft devices, etc.)
These factors combine to determine the premium, with some insurers weighing certain elements more heavily than others. Always compare quotes from multiple providers to see how your personal profile shifts the price.
Typical insurance cost ranges for a 1999 Acura Integra
Below are general ranges you might see in the United States, depending on coverage and individual circumstances. Use these as rough benchmarks when shopping for quotes.
- Liability-only coverage: roughly $300 to $900 per year, depending on state, driver profile, and insurer.
- Full coverage (liability + collision + comprehensive): typically $800 to $2,000 per year, with higher prices in expensive markets or for higher-risk drivers.
- Younger drivers or high-risk profiles: often higher than the ranges above, sometimes several thousand dollars annually in costly areas.
- Classic/collector-style coverage (if the Integra is insured as a classic with limited annual miles): generally a few hundred dollars per year, though this depends on mileage limits and insurer requirements.
Note: The 1999 Acura Integra’s value and condition strongly influence premiums. Most insurers base rates on the car’s actual cash value or replacement cost, and older cars with modest value typically cost less to insure than newer or more valuable vehicles. For precise numbers, obtain quotes from several insurers and verify the vehicle’s current value using sources like Kelley Blue Book or Edmunds.
Ways to save on insurance for an older car
Employing smart strategies can reduce your premium without sacrificing essential coverage. Consider these options before you renew.
- Increase your deductible to lower the annual premium, while keeping it affordable in case of a claim.
- Shop around and compare quotes from multiple insurers, as prices can vary significantly.
- Bundle auto with other policies (home, renters, motorcycle) to gain multi-policy discounts.
- Use telematics or a usage-based program to potentially earn safe-driver discounts.
- Install and use anti-theft devices and secure parking to reduce theft risk.
- Maintain a good credit history where permitted by state law, and address any negative items with your insurer.
- Keep annual mileage reasonable and review your coverage to match actual usage.
Being proactive about the factors you can control often yields the best savings on an older car like a 1999 Integra.
Additional notes on value and coverage
Because the Integra is an older model, its replacement cost is typically lower than that of a newer vehicle. Some drivers opt for liability-only insurance or a lower full-coverage deductible to reduce costs, especially if the car’s market value is modest. If you use the car primarily for weekend cruising or occasional errands, you may qualify for lower-mileage discounts or usage-based programs that recognize lower annual mileage.
Summary
Insurance costs for a 1999 Acura Integra are highly variable but generally fall into a modest to mid-range spectrum, influenced by driver details, location, and coverage choices. Liability-only policies can be quite affordable, while full coverage will cost more but provides broader protection. Shopping around, increasing deductibles thoughtfully, and leveraging discounts are effective ways to keep costs down while maintaining appropriate coverage. For the most accurate quote, obtain personalized estimates from several insurers and verify the car’s value with reputable sources.
How much is a 1999 Acura Integra worth?
The value of a used 1999 Acura Integra ranges from $1,030 to $3,018, based on vehicle condition, mileage, and options. Get a free appraisal here.
How much is insurance for a 2000 Acura Integra?
2000 Acura Integra Car Insurance
2000 Acura Integra drivers can expect to pay an average of $84 a month for liability or $172 for full coverage.
Is Acura high on insurance?
Acuras are generally considered more expensive to insure than average, but not as expensive as other luxury brands. The cost is driven up because, as luxury vehicles, they are more expensive to repair and replace. However, Acuras are often priced competitively within the luxury segment, so insurance costs may not be drastically higher than the national average depending on the model and your individual profile.
Factors affecting Acura insurance costs
- Luxury status: Higher repair and replacement costs for luxury vehicles lead to higher insurance premiums.
- Model and year: Insurance costs vary significantly by model and year. Newer and more expensive models will cost more to insure than older ones.
- Individual factors: Your personal driving history, age, gender, location, and credit history also significantly impact your rates.
- Coverage levels: The type of coverage you choose (e.g., minimum vs. full coverage) will directly affect the price.
How to get the best rate
- Compare quotes: Get quotes from multiple insurance providers to find the best rate. What one company offers can be very different from another.
- Consider all factors: Remember that your personal details play a huge role, so you'll need to get a personalized quote for an accurate price.
- Look for discounts: Inquire about potential discounts, such as for multi-vehicle policies, which can lead to significant savings.
Is it cheaper to insure a 20 year old car?
In general, auto insurance for older cars may be cheaper than insuring newer vehicles of the same make and model if the used car is cheaper to repair or replace. A car depreciates in value over time, which lowers the maximum amount an insurance company would have to pay in the event of an accident.
