Acura RDX Insurance Rates

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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 insurance rates for an Acura RDX are $1,274 a year with full coverage. Comprehensive costs around $294 each year, collision insurance costs $512, and liability costs $332. Buying just liability costs as little as $388 a year, and insurance for high-risk drivers costs around $2,740. Teens receive the highest rates at up to $4,642 a year.

Average premium for full coverage: $1,274

Rate estimates for individual coverage type:

Comprehensive $294
Collision $512
Liability $332

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and RDX models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $388 for just liability insurance to a high rate of $2,740 for a high-risk insurance policy.

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

Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance rates.

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

These examples demonstrate why all drivers should compare rates for a specific zip code, instead of making a decision based on averaged prices.

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.

More Rate Details

The chart below details average Acura RDX insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $732
  • Drivers who choose higher $1,000 deductibles will pay about $184 annually
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,274
  • Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,626
  • Drivers with serious driving violations could pay at least $2,740
  • The cost that insures a 16-year-old driver can be $4,642 a year

View Chart as Image

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

Auto insurance rates for an Acura RDX can also vary considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

Where you live makes a big difference in Acura RDX insurance prices. A 40-year-old driver could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,720 on average in Florida, Michigan, and New York.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $299 extra every year. View Rates by Deductible or Liability Limit

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 Find Affordable Acura RDX Insurance

Saving money on insurance for an Acura RDX not only requires avoiding accidents and claims, but also maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare rates at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief review of the car insurance concepts raised in the charts and tables above.

  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,470 more every year to insure an Acura RDX
  • You may be able to save up to $150 per year just by quoting online in advance
  • Increasing deductibles can save approximately $525 each year
  • Insureds who may need increased liability limits will pay approximately $370 every year to go from a minimum limit to the 250/500 level

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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