Acura MDX Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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 insurance rates for an Acura MDX are $1,448 a year for full coverage. Comprehensive costs on average $358, collision costs $542, and liability coverage costs around $390. Liability-only insurance costs as low as $452 a year, with high-risk driver insurance costing around $3,098. 16-year-old drivers pay the highest rates at $5,248 a year or more.
Average premium for full coverage: $1,448
Price estimates by individual coverage:
Rates are based on $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all MDX models.
Price Range from Low to High
For a driver in their 40's, Acura MDX insurance prices go from as low as $452 for minimum levels of liability insurance to the much higher price of $3,098 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities.
The example below illustrates how location helps determine car insurance rates.
The ranges above show why everyone should compare prices based on a specific location and risk profile, rather than using rate 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 shows estimated Acura MDX insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $841
- Using higher $1,000 deductibles will save around $206 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,448
- Buying pricier low deductibles for physical damage coverage will increase the cost to $1,840
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,098 or more
- The price for full coverage for a teenage driver for full coverage may cost $5,248 or more
Car insurance prices for an Acura MDX are also quite variable based on your driving record, the trim level of your MDX, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $5,200 a year. View Rates by Age
The state you live in has a huge impact on Acura MDX insurance rates. A driver around age 40 might see prices as low as $960 a year in states like Idaho, Maine, and Iowa, or at least $2,070 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $600 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 extra each year, depending on your age. Acura MDX insurance for high-risk drivers can be around 44% to 132% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.
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 the Best Cheap Acura MDX Insurance
Getting lower rates on auto insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at every policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The following is a quick review of the data covered in the charts and tables above.
- Consumers who require higher liability limits will pay around $430 each year to increase from a low limit to 250/500 limits
- Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $600 each year
- Teens are expensive to insure, with premiums as much as $437 a month if full coverage 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 | $5,248 |
| 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.
Compare Rates and Save
Find companies with the cheapest rates in your area
