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.
U.S. average auto insurance rates for an Acura MDX are $1,436 annually for full coverage insurance. Comprehensive insurance costs around $344 each year, collision costs $536, and liability costs around $398. A policy with just liability insurance costs as low as $460 a year, with coverage for high-risk drivers costing $3,084 or more. Teen drivers pay the highest rates at $5,252 a year or more.
Average premium for full coverage: $1,436
Price estimates for individual coverage:
Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and MDX models.
Price Range from Low to High
For an average driver, Acura MDX insurance prices go from as cheap as $460 for basic liability insurance to a high rate of $3,084 for a high-risk insurance policy.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than larger metro areas.
The graphic below illustrates the effect of geographic area on auto insurance rates.
The ranges above illustrate why all drivers should compare prices for a specific zip code 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.
Rate Comparisons
The chart below illustrates estimated Acura MDX insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $832
- Using higher $1,000 deductibles will save about $200 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,436
- Choosing low deductibles for physical damage coverage costs an additional $386 every year
- Drivers with multiple violations and an at-fault accident could pay at least $3,084 or more
- The price with full coverage for a teen driver can be $5,252 or more
Insurance prices for an Acura MDX are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $590 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Acura MDX insurance prices. A driver around age 40 might see prices 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% |
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see which company has the best price. Each insurance company uses a different rate calculation, so the prices may be quite different between companies.
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 Low Cost Acura MDX Insurance
Getting lower rates on car insurance requires being a low-risk driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at least every other year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a review of the car insurance concepts covered in the above illustrations.
- Higher risk drivers who have several accidents or serious violations pay on average $1,650 more every year to insure their MDX
- It is possible to save up to $170 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $575 each year
- Policyholders who may need more liability coverage will pay about $440 annually to increase from a low limit to higher 250/500 limits
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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