Acura MDX Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 $1,430 annually including full coverage. Comprehensive insurance costs approximately $332, collision costs $524, and liability costs $416. Liability-only insurance costs as little as $474 a year, with high-risk driver insurance costing $3,076 or more. Teenage drivers pay the highest rates at $5,266 a year or more.
Average premium for full coverage: $1,430
Price estimates by individual coverage:
Full coverage includes $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all MDX models.
Price Range from Low to High
For the average 40-year-old driver, Acura MDX insurance prices go from as cheap as $474 for your basic liability-only policy to the much higher price of $3,076 for coverage for higher-risk drivers.
Geographic Price Range
Your location can have significant affects on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities.
The example below illustrates the difference location can make on auto insurance prices.
The ranges above highlight why everyone should compare rates using their specific location and their own personal driving habits, instead of using average rates.
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.
More Rate Information
The chart below breaks down estimated Acura MDX insurance rates for additional coverage and risk scenarios.
- The best discount rate is $830
- Drivers who choose higher $1,000 deductibles will pay $196 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,430
- Using pricier low deductibles for comprehensive and collision insurance costs an additional $374 every year
- Higher-risk drivers who are prone to accidents and violations could pay around $3,076 or more
- The price with full coverage for a teen driver for full coverage can cost $5,266 a year
Car insurance prices for an Acura MDX are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 extra each year, depending on your age. Acura MDX insurance for high-risk drivers can cost as much as 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $570 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Acura MDX insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,040 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,294 | -$136 | -9.5% |
| Alaska | $1,098 | -$332 | -23.2% |
| Arizona | $1,188 | -$242 | -16.9% |
| Arkansas | $1,430 | -$0 | 0.0% |
| California | $1,630 | $200 | 14.0% |
| Colorado | $1,368 | -$62 | -4.3% |
| Connecticut | $1,472 | $42 | 2.9% |
| Delaware | $1,618 | $188 | 13.1% |
| Florida | $1,790 | $360 | 25.2% |
| Georgia | $1,322 | -$108 | -7.6% |
| Hawaii | $1,026 | -$404 | -28.3% |
| Idaho | $968 | -$462 | -32.3% |
| Illinois | $1,066 | -$364 | -25.5% |
| Indiana | $1,076 | -$354 | -24.8% |
| Iowa | $966 | -$464 | -32.4% |
| Kansas | $1,362 | -$68 | -4.8% |
| Kentucky | $1,952 | $522 | 36.5% |
| Louisiana | $2,118 | $688 | 48.1% |
| Maine | $882 | -$548 | -38.3% |
| Maryland | $1,180 | -$250 | -17.5% |
| Massachusetts | $1,144 | -$286 | -20.0% |
| Michigan | $2,486 | $1,056 | 73.8% |
| Minnesota | $1,196 | -$234 | -16.4% |
| Mississippi | $1,714 | $284 | 19.9% |
| Missouri | $1,270 | -$160 | -11.2% |
| Montana | $1,538 | $108 | 7.6% |
| Nebraska | $1,128 | -$302 | -21.1% |
| Nevada | $1,714 | $284 | 19.9% |
| New Hampshire | $1,032 | -$398 | -27.8% |
| New Jersey | $1,598 | $168 | 11.7% |
| New Mexico | $1,266 | -$164 | -11.5% |
| New York | $1,508 | $78 | 5.5% |
| North Carolina | $826 | -$604 | -42.2% |
| North Dakota | $1,170 | -$260 | -18.2% |
| Ohio | $990 | -$440 | -30.8% |
| Oklahoma | $1,470 | $40 | 2.8% |
| Oregon | $1,310 | -$120 | -8.4% |
| Pennsylvania | $1,366 | -$64 | -4.5% |
| Rhode Island | $1,908 | $478 | 33.4% |
| South Carolina | $1,296 | -$134 | -9.4% |
| South Dakota | $1,208 | -$222 | -15.5% |
| Tennessee | $1,254 | -$176 | -12.3% |
| Texas | $1,724 | $294 | 20.6% |
| Utah | $1,060 | -$370 | -25.9% |
| Vermont | $980 | -$450 | -31.5% |
| Virginia | $858 | -$572 | -40.0% |
| Washington | $1,106 | -$324 | -22.7% |
| West Virginia | $1,310 | -$120 | -8.4% |
| Wisconsin | $990 | -$440 | -30.8% |
| Wyoming | $1,274 | -$156 | -10.9% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura MDX 4WD | $1,388 | $116 |
| Acura MDX with Tech Package 4WD | $1,430 | $119 |
| Acura MDX with Tech/Entertainment 4WD | $1,430 | $119 |
| Acura MDX Advance 4WD | $1,470 | $123 |
| Acura MDX Advance/Entertainment 4WD | $1,470 | $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 | $344 | $536 | $398 | $1,436 |
| 2023 Acura MDX | $332 | $524 | $416 | $1,430 |
| 2022 Acura MDX | $320 | $502 | $430 | $1,410 |
| 2021 Acura MDX | $304 | $484 | $442 | $1,388 |
| 2020 Acura MDX | $292 | $450 | $452 | $1,352 |
| 2019 Acura MDX | $280 | $424 | $456 | $1,318 |
| 2018 Acura MDX | $268 | $380 | $460 | $1,266 |
| 2017 Acura MDX | $250 | $350 | $460 | $1,218 |
| 2016 Acura MDX | $242 | $328 | $464 | $1,192 |
| 2015 Acura MDX | $236 | $306 | $474 | $1,174 |
| 2014 Acura MDX | $218 | $284 | $474 | $1,134 |
| 2013 Acura MDX | $212 | $258 | $478 | $1,106 |
| 2012 Acura MDX | $198 | $236 | $474 | $1,066 |
| 2011 Acura MDX | $186 | $214 | $474 | $1,032 |
| 2010 Acura MDX | $180 | $192 | $468 | $998 |
| 2009 Acura MDX | $178 | $188 | $460 | $984 |
| 2008 Acura MDX | $176 | $178 | $452 | $964 |
| 2007 Acura MDX | $160 | $170 | $446 | $934 |
| 2006 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 More Affordable Acura MDX Insurance
Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, being claim-free, and avoiding coverage lapses. Make time to compare rates at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
Below is a summary of the primary concepts that were touched on in this article.
- You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,650 more per year for auto insurance
- Increasing physical damage deductibles could save up to $575 each year
- Teenage drivers pay the highest auto insurance prices, possibly costing $439 a month if comprehensive and collision insurance is included
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $5,266 |
| 20 | $3,264 |
| 30 | $1,494 |
| 40 | $1,430 |
| 50 | $1,306 |
| 60 | $1,278 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,804 |
| $250 | $1,634 |
| $500 | $1,430 |
| $1,000 | $1,234 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,430 |
| 50/100 | $1,553 |
| 100/300 | $1,657 |
| 250/500 | $1,928 |
| 100 CSL | $1,595 |
| 300 CSL | $1,824 |
| 500 CSL | $1,990 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,510 |
| 20 | $5,190 |
| 30 | $3,144 |
| 40 | $3,076 |
| 50 | $2,932 |
| 60 | $2,904 |
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 | $76 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $102 |
| Total Discounts | $600 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
