Acura RDX Insurance Rates

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.

Estimated insurance rates for an Acura RDX are $1,274 a year for full coverage. Comprehensive costs an estimated $294, collision costs $512, and liability costs around $332. Liability-only insurance costs as low as $388 a year, with high-risk driver insurance costing around $2,740. Teenage drivers pay the most at $4,642 a year or more.

Average premium for full coverage: $1,274

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all RDX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

These rate differences show why everyone should compare prices for a targeted area, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows estimated Acura RDX insurance rates for other coverage scenarios.

• The best discount rate is $732
• Using higher $1,000 deductibles will save approximately $184 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,274
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,626
• High-risk insureds who are prone to accidents and violations could pay up to $2,740 or more
• An auto insurance policy that insures a 16-year-old driver for full coverage can cost as much as $4,642 or more

View Chart as Image

Insurance prices for an Acura RDX also have a wide range based on the model of your RDX, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,500 to $2,000 additional annually, depending on your age. Acura RDX insurance for high-risk drivers can be from 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on Acura RDX insurance prices. A driver around age 40 might see prices as low as $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,810 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $540 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $299 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Acura RDX Insurance

Finding better rates on insurance for an Acura RDX requires avoiding accidents and claims, having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices once a year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a condensed summary of the data that was touched on above.

• Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
• Insureds who want increased liability limits will pay an extra $370 each year to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers under the age of 20 are expensive to insure, as much as $387 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,470 more annually to insure an Acura RDX

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.

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.

• Acura MDX Insurance Rates
• Audi Q5 Insurance Rates
• BMW X3 Insurance Rates

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