Acura ZDX Insurance Rates

The average insurance rates for an Acura ZDX are $1,112 a year including full coverage. Comprehensive insurance costs around $208 a year, collision costs $272, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,388 or more. Teenage drivers cost the most to insure at $4,366 a year or more.

Average premium for full coverage: $1,112

Policy rates for type of insurance:

Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and ZDX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down estimated Acura ZDX insurance rates for additional coverage choices and driver risks.

• The best discount rate is $669
• Raising to $1,000 deductibles will save about $1,002 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,112
• Using low $100 deductibles will cost an extra $208 annually
• Drivers who are prone to accidents and violations could pay at least $2,388 or more
• Policy cost for full coverage for a 16-year-old driver can be $4,366

View Chart as Image

Auto insurance rates for an Acura ZDX also range considerably based on your risk profile, the model of your ZDX, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,300 a year. View Rates by Age

Your home state also has a big influence on Acura ZDX insurance prices. A middle-age driver might find rates as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,590 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $320 annually, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,300 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 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 More Affordable Acura ZDX Insurance

Finding cheaper rates on insurance for an Acura ZDX consists of being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates every time your policy renews by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a summary of the information touched on in this article.

• You may be able to save up to $130 per year simply by quoting early and online
• Teenage drivers are expensive to insure, with premiums being up to $364 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,280 more every year for auto insurance
• Insureds who may need higher levels of liability will pay an extra $520 per year to raise from a 30/60 limit to 250/500 limits