Acura MDX Insurance Rates
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UPDATED: Jun 6, 2023
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Are Acura MDX expensive to insure in comparison to other vehicles? Average Acura MDX car insurance costs $1,468 a year, or $122 a month. Learn more about Acura MDX insurance rates and how to save on Acura MDX costs in our guide.
To find out how much does an Acura MDX cost to insure in your area, enter your ZIP code in our free tool above.
The average insurance rates for an Acura MDX are $1,318 a year for full coverage insurance. Comprehensive costs around $280, collision insurance costs $424, and liability is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs around $2,834. Teen drivers cost the most to insure at up to $4,982 a year.
Average premium for full coverage: $1,318
Policy rates for type of insurance:
Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for all MDX models.
Price Range Variability
For a driver around age 40, Acura MDX insurance rates range from as low as $508 for a discount liability-only rate to the much higher price of $2,834 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above illustrate why everyone should get quotes for a specific zip code and risk profile, instead of 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.
Rates by State, City, and Model
The chart below illustrates average Acura MDX insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $772
- Choosing higher $1,000 deductibles can save about $162 each year
- The average rate for a good driver age 40 using $500 deductibles is $1,318
- Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,624
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,834
- Policy cost for full coverage for a teen driver for full coverage can be $4,982 each year
Insurance rates for an Acura MDX also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $4,900 a year. View Rates by Age
Your home state plays a big part in determining prices for Acura MDX insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,780 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,192 | -$126 | -9.6% |
| Alaska | $1,010 | -$308 | -23.4% |
| Arizona | $1,094 | -$224 | -17.0% |
| Arkansas | $1,318 | -$0 | 0.0% |
| California | $1,502 | $184 | 14.0% |
| Colorado | $1,260 | -$58 | -4.4% |
| Connecticut | $1,354 | $36 | 2.7% |
| Delaware | $1,490 | $172 | 13.1% |
| Florida | $1,648 | $330 | 25.0% |
| Georgia | $1,214 | -$104 | -7.9% |
| Hawaii | $948 | -$370 | -28.1% |
| Idaho | $890 | -$428 | -32.5% |
| Illinois | $982 | -$336 | -25.5% |
| Indiana | $994 | -$324 | -24.6% |
| Iowa | $890 | -$428 | -32.5% |
| Kansas | $1,252 | -$66 | -5.0% |
| Kentucky | $1,798 | $480 | 36.4% |
| Louisiana | $1,948 | $630 | 47.8% |
| Maine | $814 | -$504 | -38.2% |
| Maryland | $1,088 | -$230 | -17.5% |
| Massachusetts | $1,054 | -$264 | -20.0% |
| Michigan | $2,290 | $972 | 73.7% |
| Minnesota | $1,102 | -$216 | -16.4% |
| Mississippi | $1,578 | $260 | 19.7% |
| Missouri | $1,168 | -$150 | -11.4% |
| Montana | $1,416 | $98 | 7.4% |
| Nebraska | $1,038 | -$280 | -21.2% |
| Nevada | $1,580 | $262 | 19.9% |
| New Hampshire | $950 | -$368 | -27.9% |
| New Jersey | $1,470 | $152 | 11.5% |
| New Mexico | $1,166 | -$152 | -11.5% |
| New York | $1,388 | $70 | 5.3% |
| North Carolina | $760 | -$558 | -42.3% |
| North Dakota | $1,078 | -$240 | -18.2% |
| Ohio | $910 | -$408 | -31.0% |
| Oklahoma | $1,354 | $36 | 2.7% |
| Oregon | $1,206 | -$112 | -8.5% |
| Pennsylvania | $1,258 | -$60 | -4.6% |
| Rhode Island | $1,758 | $440 | 33.4% |
| South Carolina | $1,194 | -$124 | -9.4% |
| South Dakota | $1,112 | -$206 | -15.6% |
| Tennessee | $1,154 | -$164 | -12.4% |
| Texas | $1,588 | $270 | 20.5% |
| Utah | $978 | -$340 | -25.8% |
| Vermont | $904 | -$414 | -31.4% |
| Virginia | $790 | -$528 | -40.1% |
| Washington | $1,018 | -$300 | -22.8% |
| West Virginia | $1,206 | -$112 | -8.5% |
| Wisconsin | $912 | -$406 | -30.8% |
| Wyoming | $1,174 | -$144 | -10.9% |
Choosing high deductibles can save as much as $470 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per 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 probably paying at least $1,500 to $2,100 extra every year, depending on your age. Acura MDX insurance for high-risk drivers ranges as much as 42% to 127% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura MDX 4WD | $1,284 | $107 |
| Acura MDX with Tech Package 4WD | $1,318 | $110 |
| Acura MDX with Tech/Entertainment 4WD | $1,318 | $110 |
| Acura MDX Advance 4WD | $1,350 | $113 |
| Acura MDX Advance/Entertainment 4WD | $1,350 | $113 |
Rates assume 2017 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 |
|---|---|---|---|---|
| 2017 Acura MDX | $280 | $424 | $456 | $1,318 |
| 2016 Acura MDX | $268 | $380 | $460 | $1,266 |
| 2012 Acura MDX | $218 | $284 | $474 | $1,134 |
| 2011 Acura MDX | $212 | $258 | $478 | $1,106 |
| 2009 Acura MDX | $186 | $214 | $474 | $1,032 |
| 2008 Acura MDX | $180 | $192 | $468 | $998 |
| 2007 Acura MDX | $178 | $188 | $460 | $984 |
| 2006 Acura MDX | $176 | $178 | $452 | $964 |
| 2005 Acura MDX | $160 | $170 | $446 | $934 |
| 2004 Acura MDX | $154 | $162 | $442 | $916 |
Rates are averaged for all Acura MDX 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 MDX Insurance
Finding cheaper rates on car insurance takes avoiding accidents and violations, maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Set aside time to compare rates at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a brief review of the car insurance concepts covered above.
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,520 more every year for car insurance
- It is possible to save up to $160 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $475 each year
- Policyholders who may need higher liability limits will pay about $500 annually to raise limits from a 30/60 limit to 250/500 limits
Whether you are looking to save on 2008 Acura MDX insurance costs or 2014/2015 Acura MDX costs, shopping around for rates is the best way to save on insurance.
If you are ready to save on the Acura MDX cost to own by reducing Acura insurance rates, enter your ZIP code in our free tool below to see how much is an Acura MDX to insure in your area.
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What are the safety ratings of the Acura MDX?
Is an Acura MDX reliable? If an Acura MDX’s safety ratings and features are poor, MDX average rates will be higher than average. Luckily, the Acura MDX has some great safety features, such as brake assist, traction control, lane departure warning, and lane-keeping assist.
The Insurance Institute for Highway Safety (IIHS) has also crash-tested the MDX, with good results.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
View the video below for an example of the IIHS’s crash testing on the MDX.
Acura MDX Compared Against Other Vehicles in the Same Class
The Acura MDX is a midsize, luxury SUV. The IIHS found that the Acura MDX’s property damage liability losses are average, and its bodily injury liability losses are substantially better than average. This is great, as it means the Acura MDX should have reasonable liability insurance rates.
To see how the Acura MDX’s rates compare to other midsize, luxury SUV rates, view the list below.
To find out how much does it cost to insure an Acura MDX in your area and find savings, enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,982 |
| 20 | $3,008 |
| 30 | $1,364 |
| 40 | $1,318 |
| 50 | $1,204 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,624 |
| $250 | $1,482 |
| $500 | $1,318 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,318 |
| 50/100 | $1,441 |
| 100/300 | $1,555 |
| 250/500 | $1,852 |
| 100 CSL | $1,487 |
| 300 CSL | $1,738 |
| 500 CSL | $1,920 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,082 |
| 20 | $4,788 |
| 30 | $2,884 |
| 40 | $2,834 |
| 50 | $2,706 |
| 60 | $2,680 |
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 | $70 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $56 |
| Advance Quote | $62 |
| Online Quote | $93 |
| Total Discounts | $546 |
Discounts are estimated and may not be available from every company or in every state.
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