Acura ZDX Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 2, 2024
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Estimated insurance prices for an Acura ZDX are $1,112 every 12 months for full coverage insurance. Comprehensive costs on average $208 a year, collision costs $272, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,388. 16-year-old drivers pay the most at $4,366 a year or more.
Average premium for full coverage: $1,112
Premium estimates by type of coverage:
Includes $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and ZDX trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for an Acura ZDX go from the cheapest price of $522 for liability-only coverage to a high of $2,388 for high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities.
The diagram below illustrates how location impacts car insurance rates.
These rate differences illustrate why it is important to compare prices based on a specific location and their own driving history, rather than 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 Charts and Tables
The chart below illustrates estimated Acura ZDX insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $669
- Using higher $1,000 deductibles will save around $1,002 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,112
- Buying low $100 deductibles for physical damage coverage increases the price to $1,320
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,388 or more
- An auto insurance policy to insure a teenage driver may cost $4,366 or more
Insurance prices for an Acura ZDX also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your ZDX.
Opting for high physical damage deductibles could cut prices by as much as $320 a year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay upwards of $4,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,300 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can be around 44% to 131% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on Acura ZDX insurance rates. A driver around age 40 might see prices as low as $730 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,500 on average in Michigan, New York, 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% |
With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so the prices will be substantially different.
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 Shop for the Cheapest Acura ZDX Insurance
Finding better rates on auto insurance requires being a good driver, having good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Spend time shopping around every couple of years by getting price quotes from direct insurance companies, and also from several local insurance agents.
The following list is a recap of the material that was touched on above.
- Consumers who require an increased level of liability coverage will pay around $520 annually to increase from 30/60 bodily injury limits to a 250/500 level
- Drivers age 16 to 20 pay the highest prices, with premiums being up to $364 per month if they have full coverage
- Drivers that have major violations or accidents pay on average $1,280 more each year than a safer driver
- Increasing policy deductibles could save as much as $325 each year
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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