Acura RDX Insurance Rates

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2012 Acura RDX Car Insurance Quotes in 2025

Trying to find the cheapest car insurance rates for your Acura RDX? Searching for the cheapest insurance for an Acura RDX can be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are more efficient ways to find car insurance online so we're going to tell you the best way to price shop coverage for your Acura and obtain the best price possible from b...

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UPDATED: Apr 22, 2024

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Acura RDX insurance

How much does an Acura RDX cost to insure? On average, Acura RDX insurance cost for full coverage average $1,292 a year, or $107 a month. Our guide breaks down Acura RDX car insurance so drivers can easily find savings. Learn more.

Enter your ZIP code in our free tool to get started on comparing Acura RDX insurance rates and find out how much is an Acura RDX to insure.

Average auto insurance rates for an Acura RDX are $1,274 annually for full coverage insurance. Comprehensive insurance costs an estimated $294, collision insurance costs $512, and liability coverage costs around $332. Liability-only coverage costs as low as $388 a year, and high-risk coverage costs $2,740 or more. 16-year-old drivers receive the highest rates at up to $4,642 a year.

Average premium for full coverage: $1,274

Rate estimates broken down by individual coverage type:

Comprehensive $294
Collision $512
Liability $332

Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different RDX trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as cheap as $388 for just liability coverage to a much higher rate of $2,740 for a driver who has had serious violations or accidents.

Liability Only $388
Full Coverage $1,274
High Risk $2,740

Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than congested cities. The price range example below illustrates how location helps determine insurance prices.

Rural Areas $956
Small Cities $1,338
Large Cities $1,720

These examples illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, 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.

Detailed Rate Analysis

The chart below illustrates average Acura RDX insurance rates for other coverage scenarios.

  • The best full coverage rate is $732
  • Using higher $1,000 deductibles will save approximately $184 each year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,274
  • Buying more expensive low deductibles for physical damage coverage costs an additional $352 each year
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,740
  • The cost with full coverage for a teenage driver with full coverage can cost as much as $4,642 or more

View Chart as Image

Acura RDX insurance cost comparison chart
Column chart showing Acura RDX insurance prices range from $732 to $4,642 for full coverage

Car insurance rates for an Acura RDX can also vary considerably based on the trim level of your RDX, your risk profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance can be around 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $540 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $299 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Acura RDX insurance rates. A driver around age 40 might see rates as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,720 on average in Florida, New York, and Michigan.

Acura RDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,150 -$124 -9.7%
Alaska $976 -$298 -23.4%
Arizona $1,054 -$220 -17.3%
Arkansas $1,274 -$0 0.0%
California $1,448 $174 13.7%
Colorado $1,212 -$62 -4.9%
Connecticut $1,306 $32 2.5%
Delaware $1,436 $162 12.7%
Florida $1,586 $312 24.5%
Georgia $1,176 -$98 -7.7%
Hawaii $912 -$362 -28.4%
Idaho $860 -$414 -32.5%
Illinois $944 -$330 -25.9%
Indiana $960 -$314 -24.6%
Iowa $858 -$416 -32.7%
Kansas $1,206 -$68 -5.3%
Kentucky $1,734 $460 36.1%
Louisiana $1,880 $606 47.6%
Maine $786 -$488 -38.3%
Maryland $1,050 -$224 -17.6%
Massachusetts $1,012 -$262 -20.6%
Michigan $2,208 $934 73.3%
Minnesota $1,066 -$208 -16.3%
Mississippi $1,522 $248 19.5%
Missouri $1,128 -$146 -11.5%
Montana $1,366 $92 7.2%
Nebraska $1,002 -$272 -21.4%
Nevada $1,524 $250 19.6%
New Hampshire $916 -$358 -28.1%
New Jersey $1,422 $148 11.6%
New Mexico $1,124 -$150 -11.8%
New York $1,338 $64 5.0%
North Carolina $730 -$544 -42.7%
North Dakota $1,042 -$232 -18.2%
Ohio $874 -$400 -31.4%
Oklahoma $1,304 $30 2.4%
Oregon $1,166 -$108 -8.5%
Pennsylvania $1,212 -$62 -4.9%
Rhode Island $1,696 $422 33.1%
South Carolina $1,152 -$122 -9.6%
South Dakota $1,074 -$200 -15.7%
Tennessee $1,112 -$162 -12.7%
Texas $1,534 $260 20.4%
Utah $942 -$332 -26.1%
Vermont $868 -$406 -31.9%
Virginia $760 -$514 -40.3%
Washington $980 -$294 -23.1%
West Virginia $1,166 -$108 -8.5%
Wisconsin $880 -$394 -30.9%
Wyoming $1,134 -$140 -11.0%

View Chart as Image

Acura RDX insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Acura RDX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Acura RDX 2WD $1,230 $103
Acura RDX AWD $1,230 $103
Acura RDX Technology Package 2WD $1,316 $110
Acura RDX Technology Package AWD $1,316 $110

Rates assume 2024 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 RDX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Acura RDX $294 $512 $332 $1,274
2023 Acura RDX $282 $506 $338 $1,262
2022 Acura RDX $272 $494 $354 $1,256
2021 Acura RDX $262 $474 $364 $1,236
2020 Acura RDX $248 $458 $376 $1,218
2019 Acura RDX $238 $424 $384 $1,182
2018 Acura RDX $230 $400 $388 $1,154
2017 Acura RDX $220 $358 $390 $1,104
2016 Acura RDX $206 $330 $390 $1,062
2015 Acura RDX $198 $310 $394 $1,038
2014 Acura RDX $194 $288 $402 $1,020
2013 Acura RDX $180 $268 $402 $986
2012 Acura RDX $174 $244 $406 $960
2011 Acura RDX $162 $222 $402 $922
2010 Acura RDX $152 $202 $402 $892
2008 Acura RDX $146 $178 $390 $850
2007 Acura RDX $144 $168 $384 $832

Rates are averaged for all Acura RDX 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 Right Acura RDX Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest time comparing rates every other policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a quick rundown of the ideas that were covered in the charts and tables above.

  • Teens have the highest car insurance rates, costing up to $387 per month if comprehensive and collision insurance is included
  • Drivers with reckless driving or DUI convictions may pay on average $1,470 more annually for RDX insurance
  • Increasing deductibles could save up to $525 each year
  • It is possible to save approximately $150 per year just by shopping early and online

Frequently Asked Questions

  • Is the Acura RDX expensive to insure? The estimated price for the average middle-age driver who has $500 deductibles is $1,292.
  • How much does it cost to fill up an Acura RDX? According to FuelEconomy.gov the Annual Acura RDX Fuel Cost is $1,750.
  • Is the 2020 Acura RDX a good car? It’s an all around good car in the luxury compact SUV category.
  • What is the Acura RDX cost of ownership? According to RepairPal.com, “Cost. The average total annual cost for repairs and maintenance on a Acura RDX is $497, compared to an average of $859 for luxury compact SUVs and $652 for all vehicle models.” Plus your insurance cost and any loan you may have on your Acura RDX.
  • What is the Acura RDX depreciation? According to CarEdge.com, “On average, expect to pay only 53% of the original cost with 67% of the vehicle’s lifetime remaining for a 2016 RDX.”
  • What are the Acura RDX maintenance cost? See above from RepairPal
  • Are Acura RDX expensive to maintain? Not more than other vehicles in its category.

To find the cheapest Acura insurance, make sure to compare rates. Doing so will allow you to compare multiple models, such as 2020 Acura costs, 2018 RDX costs, or the 2019 Acura RDX cost to own and insurance prices.

So if you are ready to find out the cost of Acura RDX 2016 insurance or Acura RDX 2013 cost of insurance, enter your ZIP code in our free tool below.

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What are the Acura RDX safety ratings?

The Acura RDX cost to own can be cheaper if there are multiple safety features and good safety ratings, as insurers will offer discounts. The Acura RDX has some great safety features, such as vehicle stability assist, brake assist, automatic brake hold, and more.

The Insurance Institute for Highway Safety (IIHS) has also crash-tested the Acura RDX and awarded it a 2020 Top Safety Pick award.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Watch the video below for an example of one of the Acura RDX’s crash tests.

Acura RDX Compared Against Other Vehicles in the Same Class

The Acura RDX is a midsize luxury SUV, which can affect it’s liability rates. The IIHS recorded the liability losses for property damage as better than average and the bodily injury losses as substantially better than average.

Curious to see how other midsize SUV’s rates compare to the Audi RDX or want to know what the least expensive Acura is? Check out the midsize luxury SUVs below.

Ready to start shopping to find out everything from are Acura RDX expensive to maintain insurance to Acura RDS 2105 deals on insurance and 2016 RDX prices paid for insurance? Enter your ZIP code in our free tool below for help finding Acura RDX insurance rates.

References

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

Rates by Driver Age

Acura RDX Insurance Rates by Driver Age
Driver Age Premium
16 $4,642
20 $2,918
30 $1,332
40 $1,274
50 $1,160
60 $1,138

Full coverage, $500 deductibles

Rates by Deductible

Acura RDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,626
$250 $1,464
$500 $1,274
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Acura RDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,274
50/100 $1,382
100/300 $1,465
250/500 $1,681
100 CSL $1,416
300 CSL $1,598
500 CSL $1,731

Full coverage, driver age 40

Rates for High Risk Drivers

Acura RDX Insurance Rates for High Risk Drivers
Age Premium
16 $6,638
20 $4,640
30 $2,810
40 $2,740
50 $2,612
60 $2,588

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 $176

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $95
5-yr Claim Free $82
Paid in Full/EFT $60
Advance Quote $63
Online Quote $91
Total Discounts $542
Rate after discounts $732

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

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