Acura ZDX Insurance Rates
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UPDATED: Jun 2, 2024
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Estimated auto insurance rates for an Acura ZDX are $1,200 annually for full coverage insurance. Comprehensive costs on average $236 each year, collision insurance costs $328, and liability costs $478. Liability-only insurance costs as little as $526 a year, and high-risk driver insurance costs around $2,582. 16-year-old drivers pay the most at up to $4,650 a year.
Average premium for full coverage: $1,200
Premium estimates by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and ZDX models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for an Acura ZDX range from as cheap as $526 for just liability coverage to a high rate of $2,582 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can make a big difference on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than congested cities. The graphic below illustrates how location impacts car insurance rates.
These rate differences illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, instead of making a decision based 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.
Detailed Rate Analysis
The chart below illustrates average Acura ZDX insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $713
- Drivers who choose higher $1,000 deductibles will pay around $128 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,200
- Buying low deductibles for comprehensive and collision insurance will cost $1,446
- Drivers with multiple tickets or accidents could pay upwards of $2,582
- An auto insurance policy with full coverage for a 16-year-old driver may cost $4,650 a year
Insurance prices for an Acura ZDX also have a wide range based on the model of your ZDX, your risk profile, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers can cost from 43% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $380 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Acura ZDX insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,620 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,088 | -$112 | -9.3% |
| Alaska | $922 | -$278 | -23.2% |
| Arizona | $996 | -$204 | -17.0% |
| Arkansas | $1,200 | -$0 | 0.0% |
| California | $1,368 | $168 | 14.0% |
| Colorado | $1,148 | -$52 | -4.3% |
| Connecticut | $1,234 | $34 | 2.8% |
| Delaware | $1,360 | $160 | 13.3% |
| Florida | $1,502 | $302 | 25.2% |
| Georgia | $1,108 | -$92 | -7.7% |
| Hawaii | $862 | -$338 | -28.2% |
| Idaho | $812 | -$388 | -32.3% |
| Illinois | $894 | -$306 | -25.5% |
| Indiana | $904 | -$296 | -24.7% |
| Iowa | $810 | -$390 | -32.5% |
| Kansas | $1,142 | -$58 | -4.8% |
| Kentucky | $1,638 | $438 | 36.5% |
| Louisiana | $1,776 | $576 | 48.0% |
| Maine | $740 | -$460 | -38.3% |
| Maryland | $990 | -$210 | -17.5% |
| Massachusetts | $960 | -$240 | -20.0% |
| Michigan | $2,086 | $886 | 73.8% |
| Minnesota | $1,006 | -$194 | -16.2% |
| Mississippi | $1,438 | $238 | 19.8% |
| Missouri | $1,066 | -$134 | -11.2% |
| Montana | $1,292 | $92 | 7.7% |
| Nebraska | $946 | -$254 | -21.2% |
| Nevada | $1,440 | $240 | 20.0% |
| New Hampshire | $864 | -$336 | -28.0% |
| New Jersey | $1,344 | $144 | 12.0% |
| New Mexico | $1,064 | -$136 | -11.3% |
| New York | $1,264 | $64 | 5.3% |
| North Carolina | $692 | -$508 | -42.3% |
| North Dakota | $984 | -$216 | -18.0% |
| Ohio | $830 | -$370 | -30.8% |
| Oklahoma | $1,234 | $34 | 2.8% |
| Oregon | $1,100 | -$100 | -8.3% |
| Pennsylvania | $1,148 | -$52 | -4.3% |
| Rhode Island | $1,602 | $402 | 33.5% |
| South Carolina | $1,088 | -$112 | -9.3% |
| South Dakota | $1,014 | -$186 | -15.5% |
| Tennessee | $1,052 | -$148 | -12.3% |
| Texas | $1,448 | $248 | 20.7% |
| Utah | $890 | -$310 | -25.8% |
| Vermont | $822 | -$378 | -31.5% |
| Virginia | $720 | -$480 | -40.0% |
| Washington | $928 | -$272 | -22.7% |
| West Virginia | $1,100 | -$100 | -8.3% |
| Wisconsin | $832 | -$368 | -30.7% |
| Wyoming | $1,070 | -$130 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura ZDX Technology Package AWD | $1,178 | $98 |
| Acura ZDX AWD | $1,178 | $98 |
| Acura ZDX Advance Package AWD | $1,222 | $102 |
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 | $262 | $390 | $474 | $1,284 |
| 2012 Acura ZDX | $242 | $362 | $474 | $1,236 |
| 2011 Acura ZDX | $236 | $328 | $478 | $1,200 |
| 2010 Acura ZDX | $220 | $300 | $474 | $1,152 |
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 Buy Affordable Acura ZDX Insurance
Finding better rates on insurance for an Acura ZDX not only requires avoiding accidents and violations, but also having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Spend time shopping around at least once a year by quoting rates from direct insurance companies, and also from local exclusive and independent agents.
The list below is a brief review of the primary concepts that were touched on above.
- It is possible to save as much as $140 per year just by quoting online in advance
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,380 more each year for car insurance
- Increasing policy deductibles could save up to $375 each year
- Teenagers pay higher prices, with premiums being up to $388 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,650 |
| 20 | $2,734 |
| 30 | $1,236 |
| 40 | $1,200 |
| 50 | $1,100 |
| 60 | $1,076 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,334 |
| $500 | $1,200 |
| $1,000 | $1,072 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,200 |
| 50/100 | $1,318 |
| 100/300 | $1,437 |
| 250/500 | $1,748 |
| 100 CSL | $1,365 |
| 300 CSL | $1,628 |
| 500 CSL | $1,820 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,588 |
| 20 | $4,358 |
| 30 | $2,618 |
| 40 | $2,582 |
| 50 | $2,466 |
| 60 | $2,442 |
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 | $63 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $83 |
| Total Discounts | $487 |
Discounts are estimated and may not be available from every company or in every state.
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