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.
Estimated auto insurance rates for an Acura MDX are $1,448 annually for full coverage. Comprehensive insurance costs around $358, collision costs $542, and liability is $390. Liability-only coverage costs around $452 a year, with high-risk coverage costing $3,098 or more. Teen drivers pay the most at $5,248 a year or more.
Average premium for full coverage: $1,448
Premium estimates for type of coverage:
Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all MDX models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for an Acura MDX go from as cheap as $452 for liability-only coverage to the much higher price of $3,098 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance rates.
These rate differences show why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of using 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 Charts and Tables
The chart below shows estimated Acura MDX insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $841
- Raising to $1,000 deductibles will save about $206 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,448
- Choosing pricier low deductibles costs an additional $392 every year
- At-risk drivers with multiple violations and an at-fault accident could pay at least $3,098 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can be $5,248
Insurance prices for an Acura MDX also have a wide range based on the model of your MDX, your driver profile, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,700 to $2,300 extra annually, depending on your age. Acura MDX insurance for high-risk drivers is expensive and can cost as much as 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $600 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Acura MDX insurance prices. A middle-age driver might find prices as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $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% |
With such a large range in prices, the only way to know your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, so the prices will be substantially different between companies.
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 Buy the Cheapest Acura MDX Insurance
Finding better rates on car insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every couple of years by getting quotes from direct carriers, and also from local independent and exclusive agents.
The list below is a recap of the material that was raised in the charts and tables above.
- Policyholders who may need higher liability limits will pay about $430 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Teenagers pay higher prices, as much as $437 per month including comprehensive and collision insurance
- Higher risk drivers that have major violations or accidents pay an average of $1,650 more every year for car insurance
- Increasing policy deductibles could save up to $600 each year
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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