Acura MDX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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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.

U.S. average insurance rates for an Acura MDX are $1,436 a year with full coverage. Comprehensive costs an estimated $344 each year, collision costs $536, and liability is estimated at $398. A policy with just liability insurance costs approximately $460 a year, with coverage for high-risk drivers costing around $3,084. Teen drivers pay the highest rates at $5,252 a year or more.

Average premium for full coverage: $1,436

Price estimates broken down by individual coverage:

Comprehensive $344
Collision $536
Liability $398

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and MDX models.

Price Range from Low to High

For the normal driver, Acura MDX insurance prices go from the low end price of $460 for basic liability insurance to a high rate of $3,084 for a driver who requires high-risk insurance.

Liability Only $460
Full Coverage $1,436
High Risk $3,084

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations have lower incidents of collision claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

Rural Areas $1,077
Small Cities $1,508
Large Cities $1,939

The ranges above demonstrate why all drivers should get quotes for a targeted area, 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.

Rate Comparisons

The chart below details estimated Acura MDX insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $832
  • Choosing higher $1,000 deductibles can save approximately $200 annually
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,436
  • Choosing low deductibles for comp and collision coverage bumps up the cost to $1,822
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,084 or more
  • The price that insures a teen driver can cost as much as $5,252 each year

View Chart as Image

Acura MDX insurance cost comparison chart
Column chart showing full coverage Acura MDX insurance rates range from $832 to $5,252

Insurance prices for an Acura MDX are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 132% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Acura MDX insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,940 on average in New York, Michigan, and Florida.

Acura MDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,300 -$136 -9.5%
Alaska $1,104 -$332 -23.1%
Arizona $1,194 -$242 -16.9%
Arkansas $1,436 -$0 0.0%
California $1,638 $202 14.1%
Colorado $1,372 -$64 -4.5%
Connecticut $1,480 $44 3.1%
Delaware $1,628 $192 13.4%
Florida $1,798 $362 25.2%
Georgia $1,328 -$108 -7.5%
Hawaii $1,034 -$402 -28.0%
Idaho $974 -$462 -32.2%
Illinois $1,072 -$364 -25.3%
Indiana $1,082 -$354 -24.7%
Iowa $970 -$466 -32.5%
Kansas $1,366 -$70 -4.9%
Kentucky $1,962 $526 36.6%
Louisiana $2,128 $692 48.2%
Maine $888 -$548 -38.2%
Maryland $1,184 -$252 -17.5%
Massachusetts $1,150 -$286 -19.9%
Michigan $2,498 $1,062 74.0%
Minnesota $1,204 -$232 -16.2%
Mississippi $1,722 $286 19.9%
Missouri $1,276 -$160 -11.1%
Montana $1,544 $108 7.5%
Nebraska $1,134 -$302 -21.0%
Nevada $1,724 $288 20.1%
New Hampshire $1,036 -$400 -27.9%
New Jersey $1,608 $172 12.0%
New Mexico $1,274 -$162 -11.3%
New York $1,514 $78 5.4%
North Carolina $828 -$608 -42.3%
North Dakota $1,178 -$258 -18.0%
Ohio $994 -$442 -30.8%
Oklahoma $1,478 $42 2.9%
Oregon $1,318 -$118 -8.2%
Pennsylvania $1,372 -$64 -4.5%
Rhode Island $1,920 $484 33.7%
South Carolina $1,304 -$132 -9.2%
South Dakota $1,212 -$224 -15.6%
Tennessee $1,260 -$176 -12.3%
Texas $1,732 $296 20.6%
Utah $1,064 -$372 -25.9%
Vermont $984 -$452 -31.5%
Virginia $860 -$576 -40.1%
Washington $1,112 -$324 -22.6%
West Virginia $1,318 -$118 -8.2%
Wisconsin $996 -$440 -30.6%
Wyoming $1,280 -$156 -10.9%

View Chart as Image

Acura MDX insurance rates by U.S. city

Choosing high deductibles can save as much as $590 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices may be quite different.

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 $1,394 $116
Acura MDX with Tech Package 4WD $1,436 $120
Acura MDX with Tech/Entertainment 4WD $1,436 $120
Acura MDX Advance 4WD $1,478 $123
Acura MDX Advance/Entertainment 4WD $1,478 $123

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.

Acura MDX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Acura MDX $358 $542 $390 $1,448
2023 Acura MDX $344 $536 $398 $1,436
2022 Acura MDX $332 $524 $416 $1,430
2021 Acura MDX $320 $502 $430 $1,410
2020 Acura MDX $304 $484 $442 $1,388
2019 Acura MDX $292 $450 $452 $1,352
2018 Acura MDX $280 $424 $456 $1,318
2017 Acura MDX $268 $380 $460 $1,266
2016 Acura MDX $250 $350 $460 $1,218
2015 Acura MDX $242 $328 $464 $1,192
2014 Acura MDX $236 $306 $474 $1,174
2013 Acura MDX $218 $284 $474 $1,134
2012 Acura MDX $212 $258 $478 $1,106
2011 Acura MDX $198 $236 $474 $1,066
2010 Acura MDX $186 $214 $474 $1,032
2009 Acura MDX $180 $192 $468 $998
2008 Acura MDX $178 $188 $460 $984
2007 Acura MDX $176 $178 $452 $964
2006 Acura MDX $160 $170 $446 $934
2005 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 Affordable Acura MDX Insurance

Getting lower rates on car insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at every other renewal by requesting rates from direct companies, and also from insurance agencies where you live.

The following is a brief review of the concepts that were presented in the illustrations above.

  • Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,650 more annually for MDX insurance
  • Teens are charged the highest prices, costing up to $438 a month if full coverage is included
  • You may be able to save approximately $170 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save approximately $575 each year
  • You may be able to save approximately $170 per year simply by quoting online in advance

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 $5,252
20 $3,276
30 $1,504
40 $1,436
50 $1,312
60 $1,284

Full coverage, $500 deductibles

Rates by Deductible

Acura MDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,822
$250 $1,646
$500 $1,436
$1,000 $1,236

Full coverage, driver age 40

Rates by Liability Limit

Acura MDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,436
50/100 $1,558
100/300 $1,657
250/500 $1,916
100 CSL $1,597
300 CSL $1,816
500 CSL $1,976

Full coverage, driver age 40

Rates for High Risk Drivers

Acura MDX Insurance Rates for High Risk Drivers
Age Premium
16 $7,494
20 $5,202
30 $3,156
40 $3,084
50 $2,938
60 $2,912

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 $195

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 $104
5-yr Claim Free $92
Paid in Full/EFT $65
Advance Quote $70
Online Quote $102
Total Discounts $604
Rate after discounts $832

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

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