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.
The average insurance rates for an Acura MDX are $1,448 a year including full coverage. Comprehensive costs an estimated $358, collision insurance costs $542, and liability insurance is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs around $3,098. Teenage drivers cost the most to insure at up to $5,248 a year.
Average premium for full coverage: $1,448
Policy rates broken down by type of insurance:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different MDX trim levels.
Price Range Variability
For the average driver, Acura MDX insurance rates range from the low end price of $452 for a discount liability-only rate to a much higher rate of $3,098 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on 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.
Rates by State, City, and Model
The chart below breaks down average Acura MDX insurance rates for other coverage scenarios.
- The best discount rate is $841
- Raising to $1,000 deductibles will save approximately $206 every year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,448
- Using more expensive low deductibles bumps up the cost to $1,840
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,098
- Policy cost that insures a teen driver with full coverage can cost as much as $5,248
Insurance rates for an Acura MDX also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age
Your home state also has a big influence on Acura MDX insurance rates. A middle-age driver might find rates as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,070 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,308 | -$140 | -9.7% |
| Alaska | $1,110 | -$338 | -23.3% |
| Arizona | $1,202 | -$246 | -17.0% |
| Arkansas | $1,448 | -$0 | 0.0% |
| California | $1,650 | $202 | 14.0% |
| Colorado | $1,382 | -$66 | -4.6% |
| Connecticut | $1,488 | $40 | 2.8% |
| Delaware | $1,640 | $192 | 13.3% |
| Florida | $1,812 | $364 | 25.1% |
| Georgia | $1,338 | -$110 | -7.6% |
| Hawaii | $1,040 | -$408 | -28.2% |
| Idaho | $980 | -$468 | -32.3% |
| Illinois | $1,080 | -$368 | -25.4% |
| Indiana | $1,090 | -$358 | -24.7% |
| Iowa | $978 | -$470 | -32.5% |
| Kansas | $1,376 | -$72 | -5.0% |
| Kentucky | $1,976 | $528 | 36.5% |
| Louisiana | $2,146 | $698 | 48.2% |
| Maine | $894 | -$554 | -38.3% |
| Maryland | $1,194 | -$254 | -17.5% |
| Massachusetts | $1,158 | -$290 | -20.0% |
| Michigan | $2,518 | $1,070 | 73.9% |
| Minnesota | $1,210 | -$238 | -16.4% |
| Mississippi | $1,734 | $286 | 19.8% |
| Missouri | $1,284 | -$164 | -11.3% |
| Montana | $1,556 | $108 | 7.5% |
| Nebraska | $1,142 | -$306 | -21.1% |
| Nevada | $1,736 | $288 | 19.9% |
| New Hampshire | $1,042 | -$406 | -28.0% |
| New Jersey | $1,618 | $170 | 11.7% |
| New Mexico | $1,284 | -$164 | -11.3% |
| New York | $1,526 | $78 | 5.4% |
| North Carolina | $834 | -$614 | -42.4% |
| North Dakota | $1,186 | -$262 | -18.1% |
| Ohio | $1,002 | -$446 | -30.8% |
| Oklahoma | $1,488 | $40 | 2.8% |
| Oregon | $1,326 | -$122 | -8.4% |
| Pennsylvania | $1,382 | -$66 | -4.6% |
| Rhode Island | $1,932 | $484 | 33.4% |
| South Carolina | $1,314 | -$134 | -9.3% |
| South Dakota | $1,220 | -$228 | -15.7% |
| Tennessee | $1,270 | -$178 | -12.3% |
| Texas | $1,746 | $298 | 20.6% |
| Utah | $1,072 | -$376 | -26.0% |
| Vermont | $992 | -$456 | -31.5% |
| Virginia | $868 | -$580 | -40.1% |
| Washington | $1,120 | -$328 | -22.7% |
| West Virginia | $1,328 | -$120 | -8.3% |
| Wisconsin | $1,002 | -$446 | -30.8% |
| Wyoming | $1,292 | -$156 | -10.8% |
Using high physical damage deductibles can reduce rates by up to $600 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura MDX 4WD | $1,406 | $117 |
| Acura MDX with Tech Package 4WD | $1,448 | $121 |
| Acura MDX with Tech/Entertainment 4WD | $1,448 | $121 |
| Acura MDX Advance 4WD | $1,490 | $124 |
| Acura MDX Advance/Entertainment 4WD | $1,490 | $124 |
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 | $376 | $562 | $372 | $1,468 |
| 2023 Acura MDX | $358 | $542 | $390 | $1,448 |
| 2022 Acura MDX | $344 | $536 | $398 | $1,436 |
| 2021 Acura MDX | $332 | $524 | $416 | $1,430 |
| 2020 Acura MDX | $320 | $502 | $430 | $1,410 |
| 2019 Acura MDX | $304 | $484 | $442 | $1,388 |
| 2018 Acura MDX | $292 | $450 | $452 | $1,352 |
| 2017 Acura MDX | $280 | $424 | $456 | $1,318 |
| 2016 Acura MDX | $268 | $380 | $460 | $1,266 |
| 2015 Acura MDX | $250 | $350 | $460 | $1,218 |
| 2014 Acura MDX | $242 | $328 | $464 | $1,192 |
| 2013 Acura MDX | $236 | $306 | $474 | $1,174 |
| 2012 Acura MDX | $218 | $284 | $474 | $1,134 |
| 2011 Acura MDX | $212 | $258 | $478 | $1,106 |
| 2010 Acura MDX | $198 | $236 | $474 | $1,066 |
| 2009 Acura MDX | $186 | $214 | $474 | $1,032 |
| 2008 Acura MDX | $180 | $192 | $468 | $998 |
| 2007 Acura MDX | $178 | $188 | $460 | $984 |
| 2006 Acura MDX | $176 | $178 | $452 | $964 |
| 2005 Acura MDX | $160 | $170 | $446 | $934 |
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 Find Low Cost Acura MDX Insurance
Finding cheaper rates on Acura MDX insurance consists of being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare prices every year by getting quotes from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a review of the coverage data touched on above.
- You may be able to save approximately $170 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $600 each year
- Youthful drivers are charged the highest rates, with premiums being up to $437 each month if full coverage is included
- High-risk drivers who have several accidents or serious violations could be charged and average of $1,650 more annually than a low-risk driver
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 | $5,248 |
| 20 | $3,286 |
| 30 | $1,514 |
| 40 | $1,448 |
| 50 | $1,320 |
| 60 | $1,292 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,840 |
| $250 | $1,660 |
| $500 | $1,448 |
| $1,000 | $1,242 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,448 |
| 50/100 | $1,568 |
| 100/300 | $1,666 |
| 250/500 | $1,919 |
| 100 CSL | $1,607 |
| 300 CSL | $1,822 |
| 500 CSL | $1,978 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,492 |
| 20 | $5,218 |
| 30 | $3,172 |
| 40 | $3,098 |
| 50 | $2,950 |
| 60 | $2,922 |
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 | $105 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $66 |
| Advance Quote | $70 |
| Online Quote | $103 |
| Total Discounts | $607 |
Discounts are estimated and may not be available from every company or in every state.
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