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 insurance prices for an Acura MDX are $1,448 every 12 months including full coverage. Comprehensive insurance costs an estimated $358, collision costs $542, and liability insurance costs around $390. A liability-only policy costs as low as $452 a year, with high-risk insurance costing $3,098 or more. Teen drivers receive the highest rates at $5,248 a year or more.
Average premium for full coverage: $1,448
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different MDX trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $452 for minimum levels of liability insurance to a much higher rate of $3,098 for a high-risk insurance policy.
Price Range by Location
Where you live has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas.
The price range example below illustrates how where you live affects insurance prices.
These examples highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than relying on 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 Rate Details
The chart below breaks down estimated Acura MDX insurance rates for other coverage scenarios.
- The lowest rate with discounts is $841
- Using higher $1,000 deductibles will save approximately $206 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,448
- Choosing more expensive low deductibles for physical damage coverage costs an extra $392 a year
- Drivers with multiple violations and an at-fault accident could pay up to $3,098 or more
- The cost to insure a teen driver with full coverage can cost as much as $5,248 or more
Insurance rates for an Acura MDX can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Choosing high deductibles could cut rates by as much as $600 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $5,200 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can be anywhere from 44% to 132% more than average. View High Risk Driver Rates
Where you live has a huge impact on Acura MDX insurance rates. A driver around age 40 might see rates as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or 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% |
With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates can be significantly different.
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 Shop for the Best Acura MDX Insurance
Saving money on Acura MDX insurance requires avoiding accidents and claims, having good credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The points below are a brief recap of the car insurance concepts touched on in the above illustrations.
- High-risk drivers who tend to receive serious violations may have to pay on average $1,650 more annually to insure an Acura MDX
- You may be able to save approximately $170 per year simply by shopping early and online
- Increasing deductibles could save as much as $600 each year
- Drivers who want increased liability limits will pay about $430 per year to increase from a minimum limit to a 250/500 level
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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