Acura ZDX Insurance Rates

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UPDATED: Jun 2, 2024

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Average insurance rates for an Acura ZDX are $1,152 a year with full coverage. Comprehensive insurance costs an estimated $220, collision insurance costs $300, and liability coverage costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,478 or more. Teen drivers receive the highest rates at up to $4,494 a year.

Average premium for full coverage: $1,152

Rate estimates broken down by individual coverage type:

Comprehensive $220
Collision $300
Liability $474

Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all ZDX models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as low as $522 for basic liability insurance to the much higher price of $2,478 for coverage for higher-risk drivers.

Liability Only $522
Full Coverage $1,152
High Risk $2,478

Price Range by Location

Your location has a large influence on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.

Rural Areas $864
Small Cities $1,210
Large Cities $1,555

These examples demonstrate why everyone should compare rates for a targeted area and risk profile, rather than using price 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.

Rate Comparisons

The chart below details average Acura ZDX insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $688
  • Drivers who choose higher $1,000 deductibles will pay approximately $118 annually
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,152
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $228 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,478
  • The cost for full coverage for a teenage driver for full coverage can cost as much as $4,494 a year

View Chart as Image

Acura ZDX insurance cost comparison chart
Column chart showing Acura ZDX insurance prices range from $688 to $4,494 for full coverage

Insurance rates for an Acura ZDX can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age

Where you 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 as much as $1,560 on average in New York, Michigan, and Florida.

Acura ZDX Insurance Rates by State
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%

View Chart as Image

Acura ZDX insurance rates by U.S. city

Choosing high deductibles could save up to $350 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,400 to $1,900 extra per year, depending on your age. Acura ZDX insurance for high-risk drivers can cost around 42% to 136% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Acura ZDX Insurance Rates by Model and Trim Level
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.

Acura ZDX Insurance Rates by Model Year
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

Saving money on auto insurance not only requires being a low-risk driver, but also maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a recap of the primary concepts that were raised in the charts and tables above.

  • You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
  • Drivers that have major violations or accidents may pay on average $1,330 more annually to insure their ZDX
  • Increasing deductibles can save around $350 each year
  • Teen drivers are charged the highest rates, with premiums as much as $375 per month for full coverage

Rates by Driver Age

Acura ZDX Insurance 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

Acura ZDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,380
$250 $1,276
$500 $1,152
$1,000 $1,034

Full coverage, driver age 40

Rates by Liability Limit

Acura ZDX Insurance Rates with Different Liability Limits
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

Acura ZDX Insurance 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.

SR-22 Surcharge $155

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
Rate after discounts $688

Discounts are estimated and may not be available from every company or in every state.

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