Acura ZDX Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2024
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Estimated auto insurance rates for an Acura ZDX are $1,152 annually with full coverage. Comprehensive costs an estimated $220, collision insurance costs $300, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,478. Teenage drivers pay the most at up to $4,494 a year.
Average premium for full coverage: $1,152
Premium estimates broken down by type of coverage:
Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all ZDX models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for an Acura ZDX range from as cheap as $522 for just the minimum liability insurance to the much higher price of $2,478 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations are statistically proven to have fewer collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences demonstrate why everyone should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.
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 Rate Analysis
The chart below details average Acura ZDX insurance rates for other coverage scenarios.
- The best discount rate is $688
- Drivers who choose higher $1,000 deductibles will pay approximately $118 annually
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,152
- Using pricier low deductibles for comprehensive and collision insurance will cost $1,380
- High risk drivers who are prone to accidents and violations could pay up to $2,478
- An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $4,494 a year
Insurance prices for an Acura ZDX also have a wide range based on the model of your ZDX, your driving record, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out $1,400 to $1,900 extra annually, depending on your age. Acura ZDX insurance for high-risk drivers can cost anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $350 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Acura ZDX insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,560 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,042 | -$110 | -9.5% |
| Alaska | $882 | -$270 | -23.4% |
| Arizona | $956 | -$196 | -17.0% |
| Arkansas | $1,152 | -$0 | 0.0% |
| California | $1,312 | $160 | 13.9% |
| Colorado | $1,102 | -$50 | -4.3% |
| Connecticut | $1,186 | $34 | 3.0% |
| Delaware | $1,304 | $152 | 13.2% |
| Florida | $1,442 | $290 | 25.2% |
| Georgia | $1,064 | -$88 | -7.6% |
| Hawaii | $828 | -$324 | -28.1% |
| Idaho | $780 | -$372 | -32.3% |
| Illinois | $858 | -$294 | -25.5% |
| Indiana | $866 | -$286 | -24.8% |
| Iowa | $778 | -$374 | -32.5% |
| Kansas | $1,096 | -$56 | -4.9% |
| Kentucky | $1,572 | $420 | 36.5% |
| Louisiana | $1,706 | $554 | 48.1% |
| Maine | $712 | -$440 | -38.2% |
| Maryland | $950 | -$202 | -17.5% |
| Massachusetts | $922 | -$230 | -20.0% |
| Michigan | $2,002 | $850 | 73.8% |
| Minnesota | $964 | -$188 | -16.3% |
| Mississippi | $1,380 | $228 | 19.8% |
| Missouri | $1,024 | -$128 | -11.1% |
| Montana | $1,238 | $86 | 7.5% |
| Nebraska | $910 | -$242 | -21.0% |
| Nevada | $1,382 | $230 | 20.0% |
| New Hampshire | $828 | -$324 | -28.1% |
| New Jersey | $1,288 | $136 | 11.8% |
| New Mexico | $1,020 | -$132 | -11.5% |
| New York | $1,214 | $62 | 5.4% |
| North Carolina | $664 | -$488 | -42.4% |
| North Dakota | $944 | -$208 | -18.1% |
| Ohio | $796 | -$356 | -30.9% |
| Oklahoma | $1,184 | $32 | 2.8% |
| Oregon | $1,056 | -$96 | -8.3% |
| Pennsylvania | $1,100 | -$52 | -4.5% |
| Rhode Island | $1,538 | $386 | 33.5% |
| South Carolina | $1,044 | -$108 | -9.4% |
| South Dakota | $974 | -$178 | -15.5% |
| Tennessee | $1,010 | -$142 | -12.3% |
| Texas | $1,390 | $238 | 20.7% |
| Utah | $852 | -$300 | -26.0% |
| Vermont | $790 | -$362 | -31.4% |
| Virginia | $690 | -$462 | -40.1% |
| Washington | $892 | -$260 | -22.6% |
| West Virginia | $1,056 | -$96 | -8.3% |
| Wisconsin | $798 | -$354 | -30.7% |
| Wyoming | $1,028 | -$124 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura ZDX Technology Package AWD | $1,132 | $94 |
| Acura ZDX AWD | $1,132 | $94 |
| Acura ZDX Advance Package AWD | $1,174 | $98 |
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 | $242 | $362 | $474 | $1,236 |
| 2012 Acura ZDX | $236 | $328 | $478 | $1,200 |
| 2011 Acura ZDX | $220 | $300 | $474 | $1,152 |
| 2010 Acura ZDX | $208 | $272 | $474 | $1,112 |
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 Acura ZDX insurance not only requires having a good driving record, but also having a good credit history, being claim-free, and deciding if full coverage is necessary. Set aside time to compare rates at least once a year by obtaining price quotes from direct companies, and also from several local insurance agents.
The next list is a brief review of the primary concepts that were covered above.
- You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
- High-risk drivers with DUI or reckless driving convictions pay on average $1,330 more annually to buy Acura ZDX insurance
- Increasing policy deductibles could save up to $350 each year
- Drivers age 20 and younger are charged the highest prices, possibly costing $375 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,494 |
| 20 | $2,624 |
| 30 | $1,182 |
| 40 | $1,152 |
| 50 | $1,054 |
| 60 | $1,032 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,380 |
| $250 | $1,276 |
| $500 | $1,152 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,152 |
| 50/100 | $1,269 |
| 100/300 | $1,387 |
| 250/500 | $1,695 |
| 100 CSL | $1,316 |
| 300 CSL | $1,577 |
| 500 CSL | $1,767 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,360 |
| 20 | $4,184 |
| 30 | $2,510 |
| 40 | $2,478 |
| 50 | $2,368 |
| 60 | $2,342 |
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 | $60 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $45 |
| Advance Quote | $52 |
| Online Quote | $80 |
| Total Discounts | $464 |
Discounts are estimated and may not be available from every company or in every state.
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