Acura MDX Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 30, 2019

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Acura MDX insurance

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 rates for an Acura MDX are $1,388 a year for full coverage. Comprehensive costs on average $304 a year, collision costs $484, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,992. Teen drivers receive the highest rates at $5,194 a year or more.

Average premium for full coverage: $1,388

Rate estimates by individual coverage type:

Comprehensive $304
Collision $484
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and MDX trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $2,992 for a high risk driver.

Liability Only $496
Full Coverage $1,388
High Risk $2,992

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,041
Small Cities $1,457
Large Cities $1,874

These examples show why it is important to compare rates based on a specific location and risk profile, 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.

Insurance Rate Analysis

The chart below shows estimated Acura MDX insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $807
  • Drivers who choose higher $1,000 deductibles will pay around $1,208 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,388
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,732
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,992 or more
  • The cost for full coverage for a teen driver may cost $5,194 a year

View Chart as Image

Acura MDX insurance cost comparison chart
Column chart showing full coverage Acura MDX insurance rates range from $807 to $5,194

for an Acura MDX can also vary considerably based on your driver profile, the trim level of your MDX, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,100 a year. View Rates by Age

Where you live makes a big difference in Acura MDX insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or as much as $1,980 on average in Michigan, Louisiana, and New York.

Acura MDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,256 -$132 -9.5%
Alaska $1,066 -$322 -23.2%
Arizona $1,154 -$234 -16.9%
Arkansas $1,388 -$0 0.0%
California $1,582 $194 14.0%
Colorado $1,326 -$62 -4.5%
Connecticut $1,428 $40 2.9%
Delaware $1,572 $184 13.3%
Florida $1,738 $350 25.2%
Georgia $1,282 -$106 -7.6%
Hawaii $998 -$390 -28.1%
Idaho $940 -$448 -32.3%
Illinois $1,034 -$354 -25.5%
Indiana $1,046 -$342 -24.6%
Iowa $936 -$452 -32.6%
Kansas $1,320 -$68 -4.9%
Kentucky $1,894 $506 36.5%
Louisiana $2,058 $670 48.3%
Maine $856 -$532 -38.3%
Maryland $1,146 -$242 -17.4%
Massachusetts $1,112 -$276 -19.9%
Michigan $2,412 $1,024 73.8%
Minnesota $1,162 -$226 -16.3%
Mississippi $1,664 $276 19.9%
Missouri $1,232 -$156 -11.2%
Montana $1,492 $104 7.5%
Nebraska $1,096 -$292 -21.0%
Nevada $1,664 $276 19.9%
New Hampshire $1,000 -$388 -28.0%
New Jersey $1,554 $166 12.0%
New Mexico $1,228 -$160 -11.5%
New York $1,464 $76 5.5%
North Carolina $798 -$590 -42.5%
North Dakota $1,136 -$252 -18.2%
Ohio $960 -$428 -30.8%
Oklahoma $1,426 $38 2.7%
Oregon $1,272 -$116 -8.4%
Pennsylvania $1,326 -$62 -4.5%
Rhode Island $1,852 $464 33.4%
South Carolina $1,256 -$132 -9.5%
South Dakota $1,172 -$216 -15.6%
Tennessee $1,218 -$170 -12.2%
Texas $1,674 $286 20.6%
Utah $1,028 -$360 -25.9%
Vermont $950 -$438 -31.6%
Virginia $832 -$556 -40.1%
Washington $1,074 -$314 -22.6%
West Virginia $1,272 -$116 -8.4%
Wisconsin $962 -$426 -30.7%
Wyoming $1,238 -$150 -10.8%

View Chart as Image

Acura MDX insurance rates by U.S. city

Choosing high deductibles could save up to $530 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Acura MDX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Acura MDX 4WD $1,350 $113
Acura MDX with Tech Package 4WD $1,388 $116
Acura MDX with Tech/Entertainment 4WD $1,388 $116
Acura MDX Advance 4WD $1,426 $119
Acura MDX Advance/Entertainment 4WD $1,426 $119

Rates assume 2017 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.

Acura MDX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Acura MDX $304 $484 $442 $1,388
2016 Acura MDX $292 $450 $452 $1,352
2012 Acura MDX $242 $328 $464 $1,192
2011 Acura MDX $236 $306 $474 $1,174
2009 Acura MDX $212 $258 $478 $1,106
2008 Acura MDX $198 $236 $474 $1,066
2007 Acura MDX $186 $214 $474 $1,032
2006 Acura MDX $180 $192 $468 $998
2005 Acura MDX $178 $188 $460 $984
2004 Acura MDX $176 $178 $452 $964
2003 Acura MDX $160 $170 $446 $934
2002 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 Find Cheaper Acura MDX Insurance

Saving money on Acura MDX insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $525 each year
  • Drivers can save as much as $170 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $433 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,600 more each year for insurance

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

  1. https://www.iihs.org/ratings/vehicle/acura/mdx-4-door-suv/2020

Rates by Driver Age

Acura MDX Insurance Rates by Driver Age
Driver Age Premium
16 $5,194
20 $3,176
30 $1,444
40 $1,388
50 $1,268
60 $1,242

Full coverage, $500 deductibles

Rates by Deductible

Acura MDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,732
$250 $1,574
$500 $1,388
$1,000 $1,208

Full coverage, driver age 40

Rates by Liability Limit

Acura MDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,388
50/100 $1,514
100/300 $1,625
250/500 $1,912
100 CSL $1,559
300 CSL $1,802
500 CSL $1,979

Full coverage, driver age 40

Rates for High Risk Drivers

Acura MDX Insurance Rates for High Risk Drivers
Age Premium
16 $7,398
20 $5,058
30 $3,052
40 $2,992
50 $2,854
60 $2,828

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.

SR-22 Surcharge $190

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $99
5-yr Claim Free $89
Paid in Full/EFT $61
Advance Quote $67
Online Quote $98
Total Discounts $581
Rate after discounts $807

Discounts are estimated and may not be available from every company or in every state.

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