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 $1,152 annually with full coverage. Comprehensive costs on average $220, collision costs $300, and liability insurance is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $2,478. 16-year-old drivers pay the most at $4,494 a year or more.
Average premium for full coverage: $1,152
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all ZDX models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for an Acura ZDX go from as cheap as $522 for just liability insurance to the much higher price of $2,478 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than congested cities.
The example below illustrates the effect of geographic area on car insurance rates.
These rate differences demonstrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, 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.
More Rate Details
The chart below details estimated Acura ZDX insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $688
- Raising to $1,000 deductibles will save around $118 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,152
- Buying pricier low deductibles will cost $1,380
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,478 or more
- An auto insurance policy with full coverage for a teen driver for full coverage may cost $4,494
Insurance prices for an Acura ZDX also have a wide range based on the model of your ZDX, your driving record, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 every 12 months 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 can expect to pay upwards of $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 at a minimum $1,400 to $1,900 extra annually, depending on your age. Acura ZDX insurance for high-risk drivers is expensive and can cost anywhere from 42% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $350 each year, whereas buying more liability protection will cost you more. 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 also has a big influence on Acura ZDX insurance rates. A middle-age driver might find prices as low as $830 a year in states like New Hampshire, Ohio, and Utah, or 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% |
With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different between companies.
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 the Best Acura ZDX Insurance
Finding better rates on Acura ZDX insurance consists of avoiding accidents and claims, having a good credit history, being claim-free, and bundling your home and auto policies. Take the time to compare rates once a year by requesting rates from direct companies, and also from local independent and exclusive agents.
The points below are a brief recap of the data that was covered in the above illustrations.
- You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
- Drivers who require increased liability limits will pay around $520 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Drivers under the age of 20 pay the highest prices, possibly costing $375 per month including comprehensive and collision insurance
- High-risk drivers who tend to receive serious violations pay an average of $1,330 more each year to insure an Acura ZDX
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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