Acura ZDX Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2024
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The average insurance rates for an Acura ZDX are $1,112 a year for full coverage insurance. Comprehensive insurance costs an estimated $208, collision insurance costs $272, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,388 or more. 16-year-old drivers cost the most to insure at up to $4,366 a year.
Average premium for full coverage: $1,112
Policy rates broken down by type of insurance:
Estimates include $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different ZDX trim levels.
Price Range Variability
For the normal driver, Acura ZDX insurance rates range from the low end price of $522 for liability-only coverage to a much higher rate of $2,388 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities. The price range example below illustrates how geographic area affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area, rather than relying on 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.
Additional Charts and Tables
The chart below illustrates average Acura ZDX insurance rates for other coverage scenarios.
- The best full coverage rate is $669
- Choosing higher $1,000 deductibles can save approximately $110 each year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,112
- Buying more expensive low deductibles for comp and collision coverage will cost an additional $208 a year
- High-risk insureds with multiple tickets or accidents could pay up to $2,388
- Policy cost that insures a teen driver with full coverage can cost as much as $4,366 each year
Insurance rates for an Acura ZDX also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are probably paying $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $4,300 a year. View Rates by Age
Your home state plays a big part in determining prices for Acura ZDX insurance rates. A good driver about age 40 could pay as low as $730 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,500 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,006 | -$106 | -9.5% |
| Alaska | $852 | -$260 | -23.4% |
| Arizona | $922 | -$190 | -17.1% |
| Arkansas | $1,112 | -$0 | 0.0% |
| California | $1,268 | $156 | 14.0% |
| Colorado | $1,062 | -$50 | -4.5% |
| Connecticut | $1,142 | $30 | 2.7% |
| Delaware | $1,258 | $146 | 13.1% |
| Florida | $1,392 | $280 | 25.2% |
| Georgia | $1,026 | -$86 | -7.7% |
| Hawaii | $798 | -$314 | -28.2% |
| Idaho | $750 | -$362 | -32.6% |
| Illinois | $828 | -$284 | -25.5% |
| Indiana | $836 | -$276 | -24.8% |
| Iowa | $750 | -$362 | -32.6% |
| Kansas | $1,058 | -$54 | -4.9% |
| Kentucky | $1,516 | $404 | 36.3% |
| Louisiana | $1,644 | $532 | 47.8% |
| Maine | $686 | -$426 | -38.3% |
| Maryland | $916 | -$196 | -17.6% |
| Massachusetts | $890 | -$222 | -20.0% |
| Michigan | $1,932 | $820 | 73.7% |
| Minnesota | $930 | -$182 | -16.4% |
| Mississippi | $1,330 | $218 | 19.6% |
| Missouri | $986 | -$126 | -11.3% |
| Montana | $1,194 | $82 | 7.4% |
| Nebraska | $878 | -$234 | -21.0% |
| Nevada | $1,334 | $222 | 20.0% |
| New Hampshire | $800 | -$312 | -28.1% |
| New Jersey | $1,242 | $130 | 11.7% |
| New Mexico | $986 | -$126 | -11.3% |
| New York | $1,172 | $60 | 5.4% |
| North Carolina | $642 | -$470 | -42.3% |
| North Dakota | $912 | -$200 | -18.0% |
| Ohio | $766 | -$346 | -31.1% |
| Oklahoma | $1,142 | $30 | 2.7% |
| Oregon | $1,018 | -$94 | -8.5% |
| Pennsylvania | $1,062 | -$50 | -4.5% |
| Rhode Island | $1,482 | $370 | 33.3% |
| South Carolina | $1,008 | -$104 | -9.4% |
| South Dakota | $938 | -$174 | -15.6% |
| Tennessee | $974 | -$138 | -12.4% |
| Texas | $1,340 | $228 | 20.5% |
| Utah | $824 | -$288 | -25.9% |
| Vermont | $762 | -$350 | -31.5% |
| Virginia | $666 | -$446 | -40.1% |
| Washington | $860 | -$252 | -22.7% |
| West Virginia | $1,018 | -$94 | -8.5% |
| Wisconsin | $770 | -$342 | -30.8% |
| Wyoming | $992 | -$120 | -10.8% |
Opting for high physical damage deductibles can save as much as $320 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura ZDX Technology Package AWD | $1,094 | $91 |
| Acura ZDX AWD | $1,094 | $91 |
| Acura ZDX Advance Package AWD | $1,130 | $94 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2013 Acura ZDX | $236 | $328 | $478 | $1,200 |
| 2012 Acura ZDX | $220 | $300 | $474 | $1,152 |
| 2011 Acura ZDX | $208 | $272 | $474 | $1,112 |
| 2010 Acura ZDX | $200 | $246 | $468 | $1,072 |
Rates are averaged for all Acura ZDX 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 Low Cost Acura ZDX Insurance
Finding cheaper rates on Acura ZDX insurance takes having a good driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Comparison shop once a year by getting quotes from direct insurance companies, and also from local insurance agencies.
The next list is a review of the data that was presented in the illustrations above.
- It is possible to save approximately $130 per year just by shopping early and online
- Drivers who want increased levels of liability coverage will pay around $520 annually to raise limits from a 30/60 limit to the 250/500 level
- Drivers age 20 and younger are charged the highest rates, possibly costing $364 each month if full coverage is included
- High-risk drivers who have several accidents or serious violations may have to pay on average $1,280 more annually to buy Acura ZDX insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,366 |
| 20 | $2,530 |
| 30 | $1,138 |
| 40 | $1,112 |
| 50 | $1,018 |
| 60 | $996 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,320 |
| $250 | $1,224 |
| $500 | $1,112 |
| $1,000 | $1,002 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,112 |
| 50/100 | $1,225 |
| 100/300 | $1,343 |
| 250/500 | $1,651 |
| 100 CSL | $1,272 |
| 300 CSL | $1,533 |
| 500 CSL | $1,723 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,170 |
| 20 | $4,032 |
| 30 | $2,414 |
| 40 | $2,388 |
| 50 | $2,282 |
| 60 | $2,258 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $57 |
| Multi-vehicle | $59 |
| Homeowner | $19 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $76 |
| Total Discounts | $443 |
Discounts are estimated and may not be available from every company or in every state.
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