Acura ZDX Insurance Rates
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UPDATED: Jun 2, 2024
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The average auto insurance rates for an Acura ZDX are $1,112 annually with full coverage. Comprehensive insurance costs approximately $208, collision insurance costs $272, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance 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 by type of insurance:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all ZDX models.
Price Range Variability
For a driver in their 40's, Acura ZDX insurance rates range from as cheap as $522 for minimum levels of liability insurance to the much higher price of $2,388 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities. The example below illustrates how location helps determine auto insurance prices.
The examples above demonstrate why everyone should get quotes using their specific location and their own personal driving habits, instead of using 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 Rate Details
The chart below details average Acura ZDX insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $669
- Choosing higher $1,000 deductibles can save $110 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,112
- Buying pricier low deductibles for comp and collision coverage costs an additional $208 every year
- Unlucky drivers with multiple tickets or accidents could pay around $2,388
- Policy cost with full coverage for a teen driver for full coverage can cost $4,366 each year
Auto insurance rates for an Acura ZDX also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. Acura ZDX insurance for high-risk drivers ranges as much as 44% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $320 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Acura ZDX insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Utah, Ohio, and New Hampshire, or at least $1,500 on average in New York, Michigan, and Florida.
| 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% |
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 Buy the Best Acura ZDX Insurance
Finding cheaper rates on car insurance takes being a good driver, having above-average credit, not filing small claims, and possibly higher deductibles. Invest time comparing rates every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the information covered in the charts and tables above.
- You may be able to save around $130 per year just by quoting online well ahead of the renewal date
- Drivers age 16 to 20 have the highest car insurance rates, as much as $364 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save up to $325 each year
- Higher risk drivers who tend to receive serious violations may pay on average $1,280 more per year than a safer driver
- Policyholders who purchase an increased level of liability coverage will pay around $520 every year to raise limits from a 30/60 limit to higher 250/500 limits
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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