Acura ZDX Insurance Rates
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UPDATED: Jun 2, 2024
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Average insurance rates for an Acura ZDX are $1,200 a year including full coverage. Comprehensive costs around $236, collision insurance costs $328, and liability costs around $478. Buying just liability costs as low as $526 a year, and insurance for high-risk drivers costs around $2,582. Teenage drivers receive the highest rates at up to $4,650 a year.
Average premium for full coverage: $1,200
Rate estimates for individual coverage type:
Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different ZDX trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as low as $526 for just liability coverage to a much higher rate of $2,582 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance rates.
These examples highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using 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.
Detailed Rate Analysis
The chart below breaks down average Acura ZDX insurance rates for additional coverage choices and driver risks.
- The best discount rate is $713
- Using higher $1,000 deductibles will save about $128 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,200
- Using more expensive low deductibles for physical damage coverage will increase the cost to $1,446
- Drivers who are prone to accidents and violations could pay at least $2,582
- The cost for full coverage for a teen driver with full coverage can be $4,650 or more
Auto insurance rates for an Acura ZDX can also vary considerably based on your driver profile, the model of your ZDX, and deductibles and policy limits.
An older driver with a good driving record and high deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age
Where you live has a huge impact on Acura ZDX insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,710 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,088 | -$112 | -9.3% |
| Alaska | $922 | -$278 | -23.2% |
| Arizona | $996 | -$204 | -17.0% |
| Arkansas | $1,200 | -$0 | 0.0% |
| California | $1,368 | $168 | 14.0% |
| Colorado | $1,148 | -$52 | -4.3% |
| Connecticut | $1,234 | $34 | 2.8% |
| Delaware | $1,360 | $160 | 13.3% |
| Florida | $1,502 | $302 | 25.2% |
| Georgia | $1,108 | -$92 | -7.7% |
| Hawaii | $862 | -$338 | -28.2% |
| Idaho | $812 | -$388 | -32.3% |
| Illinois | $894 | -$306 | -25.5% |
| Indiana | $904 | -$296 | -24.7% |
| Iowa | $810 | -$390 | -32.5% |
| Kansas | $1,142 | -$58 | -4.8% |
| Kentucky | $1,638 | $438 | 36.5% |
| Louisiana | $1,776 | $576 | 48.0% |
| Maine | $740 | -$460 | -38.3% |
| Maryland | $990 | -$210 | -17.5% |
| Massachusetts | $960 | -$240 | -20.0% |
| Michigan | $2,086 | $886 | 73.8% |
| Minnesota | $1,006 | -$194 | -16.2% |
| Mississippi | $1,438 | $238 | 19.8% |
| Missouri | $1,066 | -$134 | -11.2% |
| Montana | $1,292 | $92 | 7.7% |
| Nebraska | $946 | -$254 | -21.2% |
| Nevada | $1,440 | $240 | 20.0% |
| New Hampshire | $864 | -$336 | -28.0% |
| New Jersey | $1,344 | $144 | 12.0% |
| New Mexico | $1,064 | -$136 | -11.3% |
| New York | $1,264 | $64 | 5.3% |
| North Carolina | $692 | -$508 | -42.3% |
| North Dakota | $984 | -$216 | -18.0% |
| Ohio | $830 | -$370 | -30.8% |
| Oklahoma | $1,234 | $34 | 2.8% |
| Oregon | $1,100 | -$100 | -8.3% |
| Pennsylvania | $1,148 | -$52 | -4.3% |
| Rhode Island | $1,602 | $402 | 33.5% |
| South Carolina | $1,088 | -$112 | -9.3% |
| South Dakota | $1,014 | -$186 | -15.5% |
| Tennessee | $1,052 | -$148 | -12.3% |
| Texas | $1,448 | $248 | 20.7% |
| Utah | $890 | -$310 | -25.8% |
| Vermont | $822 | -$378 | -31.5% |
| Virginia | $720 | -$480 | -40.0% |
| Washington | $928 | -$272 | -22.7% |
| West Virginia | $1,100 | -$100 | -8.3% |
| Wisconsin | $832 | -$368 | -30.7% |
| Wyoming | $1,070 | -$130 | -10.8% |
Using high physical damage deductibles could cut rates by as much as $380 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura ZDX Technology Package AWD | $1,178 | $98 |
| Acura ZDX AWD | $1,178 | $98 |
| Acura ZDX Advance Package AWD | $1,222 | $102 |
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 | $262 | $390 | $474 | $1,284 |
| 2012 Acura ZDX | $242 | $362 | $474 | $1,236 |
| 2011 Acura ZDX | $236 | $328 | $478 | $1,200 |
| 2010 Acura ZDX | $220 | $300 | $474 | $1,152 |
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 Affordable Acura ZDX Insurance
Saving money on car insurance requires having a good driving record, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The next list is a brief review of the ideas that were raised in the charts and tables above.
- Drivers age 20 and younger are expensive to insure, as much as $388 per month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,380 more every year to buy Acura ZDX insurance
- Increasing deductibles can save around $375 each year
- You may be able to save up to $140 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,650 |
| 20 | $2,734 |
| 30 | $1,236 |
| 40 | $1,200 |
| 50 | $1,100 |
| 60 | $1,076 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,334 |
| $500 | $1,200 |
| $1,000 | $1,072 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,200 |
| 50/100 | $1,318 |
| 100/300 | $1,437 |
| 250/500 | $1,748 |
| 100 CSL | $1,365 |
| 300 CSL | $1,628 |
| 500 CSL | $1,820 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,588 |
| 20 | $4,358 |
| 30 | $2,618 |
| 40 | $2,582 |
| 50 | $2,466 |
| 60 | $2,442 |
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 | $63 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $83 |
| Total Discounts | $487 |
Discounts are estimated and may not be available from every company or in every state.
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