Acura ZDX Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2024
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U.S. average insurance rates for an Acura ZDX are $1,152 a year for full coverage insurance. Comprehensive insurance costs on average $220, collision insurance costs $300, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,478 or more. Teenage drivers pay the highest rates at up to $4,494 a year.
Average premium for full coverage: $1,152
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different ZDX trim levels.
Price Range from Low to High
For a driver around age 40, Acura ZDX insurance prices range from the low end price of $522 for liability-only coverage to a much higher rate of $2,478 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of making a decision based on 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.
Additional Charts and Tables
The chart below illustrates average Acura ZDX insurance rates for different risk profiles and scenarios.
- The best discount rate is $688
- Raising to $1,000 deductibles will save around $118 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,152
- Using more expensive low deductibles will cost an additional $228 annually
- Drivers who are prone to accidents and violations could pay upwards of $2,478
- The price that insures a 16-year-old driver with full coverage may cost $4,494
Insurance prices for an Acura ZDX are also quite variable based on the model year and trim level, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 additional each year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 136% more than a normal policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,400 a year. View Rates by Age
The state you live in also has a big influence on Acura ZDX insurance prices. A middle-age driver might find prices as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,560 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles can reduce prices by up to $350 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
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 Find More Affordable Acura ZDX Insurance
Getting lower rates on insurance for an Acura ZDX consists of having a decent driving record, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices at least once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a summary of the primary concepts that were covered above.
- It is possible to save as much as $130 per year just by shopping early and online
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,330 more each year than a driver with a clean driving record
- Increasing physical damage deductibles can save approximately $350 each year
- 16 to 18-year-old drivers pay higher prices, as much as $375 a month if comprehensive and collision insurance is included
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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