Acura MDX Insurance Rates
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UPDATED: Apr 26, 2024
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Are Acura MDX expensive to insure in comparison to other vehicles? Average Acura MDX car insurance costs $1,468 a year, or $122 a month. Learn more about Acura MDX insurance rates and how to save on Acura MDX costs in our guide.
To find out how much does an Acura MDX cost to insure in your area, enter your ZIP code in our free tool above.
Average auto insurance rates for an Acura MDX are $1,436 annually for full coverage insurance. Comprehensive costs on average $344, collision insurance costs $536, and liability costs $398. A policy with just liability insurance costs as little as $460 a year, and coverage for high-risk drivers costs around $3,084. Teen drivers receive the highest rates at up to $5,252 a year.
Average premium for full coverage: $1,436
Rate estimates by individual coverage type:
These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all MDX models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $460 for liability-only coverage to the much higher price of $3,084 for high-risk insurance.
Price Range by Location
Your location can have significant affects on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas. The example below illustrates the difference location can make on car insurance rates.
These examples illustrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below illustrates average Acura MDX insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $832
- Drivers who choose higher $1,000 deductibles will pay around $200 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,436
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,822
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,084
- The cost with full coverage for a teen driver for full coverage may cost $5,252 a year
Insurance rates for an Acura MDX can also vary considerably based on the trim level of your MDX, your risk profile, and policy deductibles and limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 additional per year, depending on your age. Acura MDX insurance for high-risk drivers can cost as much as 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $590 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Acura MDX insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,940 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,300 | -$136 | -9.5% |
| Alaska | $1,104 | -$332 | -23.1% |
| Arizona | $1,194 | -$242 | -16.9% |
| Arkansas | $1,436 | -$0 | 0.0% |
| California | $1,638 | $202 | 14.1% |
| Colorado | $1,372 | -$64 | -4.5% |
| Connecticut | $1,480 | $44 | 3.1% |
| Delaware | $1,628 | $192 | 13.4% |
| Florida | $1,798 | $362 | 25.2% |
| Georgia | $1,328 | -$108 | -7.5% |
| Hawaii | $1,034 | -$402 | -28.0% |
| Idaho | $974 | -$462 | -32.2% |
| Illinois | $1,072 | -$364 | -25.3% |
| Indiana | $1,082 | -$354 | -24.7% |
| Iowa | $970 | -$466 | -32.5% |
| Kansas | $1,366 | -$70 | -4.9% |
| Kentucky | $1,962 | $526 | 36.6% |
| Louisiana | $2,128 | $692 | 48.2% |
| Maine | $888 | -$548 | -38.2% |
| Maryland | $1,184 | -$252 | -17.5% |
| Massachusetts | $1,150 | -$286 | -19.9% |
| Michigan | $2,498 | $1,062 | 74.0% |
| Minnesota | $1,204 | -$232 | -16.2% |
| Mississippi | $1,722 | $286 | 19.9% |
| Missouri | $1,276 | -$160 | -11.1% |
| Montana | $1,544 | $108 | 7.5% |
| Nebraska | $1,134 | -$302 | -21.0% |
| Nevada | $1,724 | $288 | 20.1% |
| New Hampshire | $1,036 | -$400 | -27.9% |
| New Jersey | $1,608 | $172 | 12.0% |
| New Mexico | $1,274 | -$162 | -11.3% |
| New York | $1,514 | $78 | 5.4% |
| North Carolina | $828 | -$608 | -42.3% |
| North Dakota | $1,178 | -$258 | -18.0% |
| Ohio | $994 | -$442 | -30.8% |
| Oklahoma | $1,478 | $42 | 2.9% |
| Oregon | $1,318 | -$118 | -8.2% |
| Pennsylvania | $1,372 | -$64 | -4.5% |
| Rhode Island | $1,920 | $484 | 33.7% |
| South Carolina | $1,304 | -$132 | -9.2% |
| South Dakota | $1,212 | -$224 | -15.6% |
| Tennessee | $1,260 | -$176 | -12.3% |
| Texas | $1,732 | $296 | 20.6% |
| Utah | $1,064 | -$372 | -25.9% |
| Vermont | $984 | -$452 | -31.5% |
| Virginia | $860 | -$576 | -40.1% |
| Washington | $1,112 | -$324 | -22.6% |
| West Virginia | $1,318 | -$118 | -8.2% |
| Wisconsin | $996 | -$440 | -30.6% |
| Wyoming | $1,280 | -$156 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura MDX 4WD | $1,394 | $116 |
| Acura MDX with Tech Package 4WD | $1,436 | $120 |
| Acura MDX with Tech/Entertainment 4WD | $1,436 | $120 |
| Acura MDX Advance 4WD | $1,478 | $123 |
| Acura MDX Advance/Entertainment 4WD | $1,478 | $123 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Acura MDX | $358 | $542 | $390 | $1,448 |
| 2023 Acura MDX | $344 | $536 | $398 | $1,436 |
| 2022 Acura MDX | $332 | $524 | $416 | $1,430 |
| 2021 Acura MDX | $320 | $502 | $430 | $1,410 |
| 2020 Acura MDX | $304 | $484 | $442 | $1,388 |
| 2019 Acura MDX | $292 | $450 | $452 | $1,352 |
| 2018 Acura MDX | $280 | $424 | $456 | $1,318 |
| 2017 Acura MDX | $268 | $380 | $460 | $1,266 |
| 2016 Acura MDX | $250 | $350 | $460 | $1,218 |
| 2015 Acura MDX | $242 | $328 | $464 | $1,192 |
| 2014 Acura MDX | $236 | $306 | $474 | $1,174 |
| 2013 Acura MDX | $218 | $284 | $474 | $1,134 |
| 2012 Acura MDX | $212 | $258 | $478 | $1,106 |
| 2011 Acura MDX | $198 | $236 | $474 | $1,066 |
| 2010 Acura MDX | $186 | $214 | $474 | $1,032 |
| 2009 Acura MDX | $180 | $192 | $468 | $998 |
| 2008 Acura MDX | $178 | $188 | $460 | $984 |
| 2007 Acura MDX | $176 | $178 | $452 | $964 |
| 2006 Acura MDX | $160 | $170 | $446 | $934 |
| 2005 Acura MDX | $154 | $162 | $442 | $916 |
Rates are averaged for all Acura MDX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheap Acura MDX Insurance
Saving money on car insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Make time to compare rates every couple of years by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a brief summary of the material that was touched on in this article.
- Policyholders who require more liability coverage will pay about $440 annually to go from a minimum limit to higher 250/500 limits
- Teen drivers pay higher rates, costing up to $438 per month if they have full coverage
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,650 more each year to insure their MDX
- Increasing deductibles could save up to $575 each year
Whether you are looking to save on 2008 Acura MDX insurance costs or 2014/2015 Acura MDX costs, shopping around for rates is the best way to save on insurance.
If you are ready to save on the Acura MDX cost to own by reducing Acura insurance rates, enter your ZIP code in our free tool below to see how much is an Acura MDX to insure in your area.
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What are the safety ratings of the Acura MDX?
Is an Acura MDX reliable? If an Acura MDX’s safety ratings and features are poor, MDX average rates will be higher than average. Luckily, the Acura MDX has some great safety features, such as brake assist, traction control, lane departure warning, and lane-keeping assist.
The Insurance Institute for Highway Safety (IIHS) has also crash-tested the MDX, with good results.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
View the video below for an example of the IIHS’s crash testing on the MDX.
Acura MDX Compared Against Other Vehicles in the Same Class
The Acura MDX is a midsize, luxury SUV. The IIHS found that the Acura MDX’s property damage liability losses are average, and its bodily injury liability losses are substantially better than average. This is great, as it means the Acura MDX should have reasonable liability insurance rates.
To see how the Acura MDX’s rates compare to other midsize, luxury SUV rates, view the list below.
To find out how much does it cost to insure an Acura MDX in your area and find savings, enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,252 |
| 20 | $3,276 |
| 30 | $1,504 |
| 40 | $1,436 |
| 50 | $1,312 |
| 60 | $1,284 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,822 |
| $250 | $1,646 |
| $500 | $1,436 |
| $1,000 | $1,236 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,436 |
| 50/100 | $1,558 |
| 100/300 | $1,657 |
| 250/500 | $1,916 |
| 100 CSL | $1,597 |
| 300 CSL | $1,816 |
| 500 CSL | $1,976 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,494 |
| 20 | $5,202 |
| 30 | $3,156 |
| 40 | $3,084 |
| 50 | $2,938 |
| 60 | $2,912 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $104 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $65 |
| Advance Quote | $70 |
| Online Quote | $102 |
| Total Discounts | $604 |
Discounts are estimated and may not be available from every company or in every state.
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