Acura ZDX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2024

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The average insurance rates for an Acura ZDX are $1,200 a year including full coverage. Comprehensive insurance costs on average $236, collision insurance costs $328, and liability coverage costs around $478. Liability-only coverage costs as low as $526 a year, and high-risk coverage costs $2,582 or more. Teenage drivers cost the most to insure at up to $4,650 a year.

Average premium for full coverage: $1,200

Policy rates by type of insurance:

Comprehensive $236
Collision $328
Liability $478

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different ZDX trim levels.

Price Range Variability

Using a middle-aged driver as an example, Acura ZDX insurance rates range from as low as $526 for minimum levels of liability insurance to a much higher rate of $2,582 for a driver who has had serious violations or accidents.

Liability Only $526
Full Coverage $1,200
High Risk $2,582

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects car insurance rates.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than 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.

Additional Rate Details

The chart below breaks down average Acura ZDX insurance rates for different risk profiles and scenarios.

  • The best discount rate is $713
  • Using higher $1,000 deductibles will save around $128 every year
  • The average rate for a good driver age 40 with $500 deductibles is $1,200
  • Using more expensive low deductibles for physical damage coverage will cost an extra $246 each year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,582
  • Policy cost for full coverage for a teenage driver with full coverage may cost $4,650 or more

View Chart as Image

Acura ZDX insurance cost comparison chart
Column chart showing Acura ZDX insurance prices range from $713 to $4,650 for full coverage

Insurance rates for an Acura ZDX also range considerably based on your risk profile, the model of your ZDX, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

Your home state has a huge impact on Acura ZDX insurance rates. 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.

Acura ZDX Insurance Rates by State
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%

View Chart as Image

Acura ZDX insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $380 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can be around 43% to 130% more than a normal policy. 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 $1,178 $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.

Acura ZDX Insurance Rates by Model Year
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 the Best Cheap Acura ZDX Insurance

Finding cheaper rates on auto insurance requires being a good driver, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to comparison shop every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a quick review of the ideas that were touched on in the above illustrations.

  • Drivers age 16 to 20 pay higher rates, with premiums being up to $388 each month including comprehensive and collision insurance
  • Drivers with a DUI or reckless driving violation may pay on average $1,380 more each year than a safer driver
  • Increasing comprehensive and collision deductibles can save around $375 each year
  • You may be able to save as much as $140 per year just by shopping early and online

Rates by Driver Age

Acura ZDX Insurance 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

Acura ZDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,446
$250 $1,334
$500 $1,200
$1,000 $1,072

Full coverage, driver age 40

Rates by Liability Limit

Acura ZDX Insurance Rates with Different Liability Limits
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

Acura ZDX Insurance 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.

SR-22 Surcharge $162

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
Rate after discounts $713

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

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