Acura MDX Insurance Rates
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UPDATED: Dec 30, 2019
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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 insurance prices for an Acura MDX are $1,352 every 12 months for full coverage insurance. Comprehensive costs an estimated $292, collision costs $450, and liability coverage is estimated at $452. A policy with only liability insurance costs approximately $504 a year, with a high-risk policy costing around $2,906. Teen drivers pay the most at $5,080 a year or more.
Average premium for full coverage: $1,352
Premium estimates broken down by type of coverage:
These estimates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all MDX models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for an Acura MDX go from the cheapest price of $504 for the bare minimum liability coverage to the much higher price of $2,906 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.
The example below illustrates how where you live affects insurance prices.
These rate differences illustrate why everyone should get quotes for a targeted area and their own driving history, rather than 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 Rate Information
The chart below illustrates estimated Acura MDX insurance rates for other coverage scenarios.
- The lowest rate with discounts is $789
- Choosing higher $1,000 deductibles can save approximately $170 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,352
- Choosing pricier low deductibles for comp and collision coverage increases the price to $1,676
- Drivers with multiple violations and an at-fault accident could pay up to $2,906 or more
- An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,080 each year
Car insurance prices for an Acura MDX also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Choosing high deductibles can save as much as $500 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $5,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,600 to $2,200 extra annually, depending on your age. Acura MDX insurance for high-risk drivers ranges around 43% to 132% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Acura MDX insurance rates. A good driver about age 40 could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,820 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,222 | -$130 | -9.6% |
| Alaska | $1,036 | -$316 | -23.4% |
| Arizona | $1,120 | -$232 | -17.2% |
| Arkansas | $1,352 | -$0 | 0.0% |
| California | $1,538 | $186 | 13.8% |
| Colorado | $1,290 | -$62 | -4.6% |
| Connecticut | $1,390 | $38 | 2.8% |
| Delaware | $1,528 | $176 | 13.0% |
| Florida | $1,690 | $338 | 25.0% |
| Georgia | $1,248 | -$104 | -7.7% |
| Hawaii | $970 | -$382 | -28.3% |
| Idaho | $914 | -$438 | -32.4% |
| Illinois | $1,006 | -$346 | -25.6% |
| Indiana | $1,016 | -$336 | -24.9% |
| Iowa | $912 | -$440 | -32.5% |
| Kansas | $1,284 | -$68 | -5.0% |
| Kentucky | $1,844 | $492 | 36.4% |
| Louisiana | $2,000 | $648 | 47.9% |
| Maine | $834 | -$518 | -38.3% |
| Maryland | $1,112 | -$240 | -17.8% |
| Massachusetts | $1,082 | -$270 | -20.0% |
| Michigan | $2,346 | $994 | 73.5% |
| Minnesota | $1,130 | -$222 | -16.4% |
| Mississippi | $1,618 | $266 | 19.7% |
| Missouri | $1,196 | -$156 | -11.5% |
| Montana | $1,450 | $98 | 7.2% |
| Nebraska | $1,066 | -$286 | -21.2% |
| Nevada | $1,620 | $268 | 19.8% |
| New Hampshire | $974 | -$378 | -28.0% |
| New Jersey | $1,510 | $158 | 11.7% |
| New Mexico | $1,196 | -$156 | -11.5% |
| New York | $1,424 | $72 | 5.3% |
| North Carolina | $778 | -$574 | -42.5% |
| North Dakota | $1,106 | -$246 | -18.2% |
| Ohio | $934 | -$418 | -30.9% |
| Oklahoma | $1,388 | $36 | 2.7% |
| Oregon | $1,238 | -$114 | -8.4% |
| Pennsylvania | $1,288 | -$64 | -4.7% |
| Rhode Island | $1,804 | $452 | 33.4% |
| South Carolina | $1,224 | -$128 | -9.5% |
| South Dakota | $1,140 | -$212 | -15.7% |
| Tennessee | $1,184 | -$168 | -12.4% |
| Texas | $1,630 | $278 | 20.6% |
| Utah | $1,000 | -$352 | -26.0% |
| Vermont | $926 | -$426 | -31.5% |
| Virginia | $808 | -$544 | -40.2% |
| Washington | $1,044 | -$308 | -22.8% |
| West Virginia | $1,238 | -$114 | -8.4% |
| Wisconsin | $936 | -$416 | -30.8% |
| Wyoming | $1,204 | -$148 | -10.9% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura MDX 4WD | $1,316 | $110 |
| Acura MDX with Tech Package 4WD | $1,352 | $113 |
| Acura MDX with Tech/Entertainment 4WD | $1,352 | $113 |
| Acura MDX Advance 4WD | $1,386 | $116 |
| Acura MDX Advance/Entertainment 4WD | $1,386 | $116 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Acura MDX | $292 | $450 | $452 | $1,352 |
| 2016 Acura MDX | $280 | $424 | $456 | $1,318 |
| 2012 Acura MDX | $236 | $306 | $474 | $1,174 |
| 2011 Acura MDX | $218 | $284 | $474 | $1,134 |
| 2009 Acura MDX | $198 | $236 | $474 | $1,066 |
| 2008 Acura MDX | $186 | $214 | $474 | $1,032 |
| 2007 Acura MDX | $180 | $192 | $468 | $998 |
| 2006 Acura MDX | $178 | $188 | $460 | $984 |
| 2005 Acura MDX | $176 | $178 | $452 | $964 |
| 2004 Acura MDX | $160 | $170 | $446 | $934 |
| 2003 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 Shop for Cheap Acura MDX Insurance
Finding better rates on auto insurance takes not taking risks behind the wheel, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop at every policy renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a brief summary of the data touched on in the above illustrations.
- Consumers who want higher liability limits will pay about $500 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
- It is possible to save approximately $160 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $500 each year
- Teens have the highest car insurance prices, with premiums being up to $423 per month if the policy includes full coverage
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 | $5,080 |
| 20 | $3,086 |
| 30 | $1,400 |
| 40 | $1,352 |
| 50 | $1,234 |
| 60 | $1,210 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,676 |
| $250 | $1,526 |
| $500 | $1,352 |
| $1,000 | $1,182 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,352 |
| 50/100 | $1,476 |
| 100/300 | $1,589 |
| 250/500 | $1,883 |
| 100 CSL | $1,522 |
| 300 CSL | $1,770 |
| 500 CSL | $1,951 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,230 |
| 20 | $4,910 |
| 30 | $2,962 |
| 40 | $2,906 |
| 50 | $2,776 |
| 60 | $2,748 |
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 | $72 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $96 |
| Total Discounts | $563 |
Discounts are estimated and may not be available from every company or in every state.
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