Acura ZDX Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2024
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Estimated insurance rates for an Acura ZDX are $1,152 a year with full coverage. Comprehensive insurance costs around $220, collision costs $300, and liability coverage costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing $2,478 or more. Teens pay the most at $4,494 a year or more.
Average premium for full coverage: $1,152
Premium estimates for type of coverage:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different ZDX trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for an Acura ZDX go from as low as $522 for a discount liability-only rate to a much higher rate of $2,478 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using averaged prices.
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.
Rates by State, City, and Model
The chart below details estimated Acura ZDX insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $688
- Drivers who choose higher $1,000 deductibles will pay about $118 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,152
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $228 each year
- High-risk insureds with serious driving violations could pay at least $2,478 or more
- An auto insurance policy for full coverage for a teenage driver with full coverage can be $4,494 a year
Insurance prices for an Acura ZDX also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,400 a year. View Rates by Age
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 New Hampshire, Ohio, and Utah, or have to pay at least $1,560 on average in Florida, Michigan, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $350 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,400 to $1,900 additional annually, depending on your age. High-risk driver insurance can cost around 42% to 136% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out your exact price is to compare prices and see how they stack up. Every company calculates prices differently, and prices will be substantially different from one company to the next.
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 Find the Cheapest Acura ZDX Insurance
Finding better rates on auto insurance not only requires being a good driver, but also having a good credit history, being claim-free, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following list is a recap of the ideas that were touched on in the above illustrations.
- Drivers age 16 to 20 are charged the highest prices, possibly costing $375 per month including comprehensive and collision insurance
- Drivers that have major violations or accidents pay an average of $1,330 more every year than a safer driver
- Increasing policy deductibles can save around $350 each year
- You may be able to save up to $130 per year simply by shopping early and online
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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