Acura MDX Insurance Rates
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Michelle Robbins
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UPDATED: Apr 26, 2024
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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.
U.S. average insurance rates for an Acura MDX are $1,430 a year with full coverage. Comprehensive costs an estimated $332 a year, collision costs $524, and liability coverage is $416. A policy with just liability insurance costs around $474 a year, with coverage for high-risk drivers costing around $3,076. Teens pay the highest rates at $5,266 a year or more.
Average premium for full coverage: $1,430
Price estimates broken down by individual coverage:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and MDX trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Acura MDX insurance prices go from as low as $474 for just liability insurance to a high of $3,076 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. More rural locations have a lower frequency of collision claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects insurance prices.
The ranges above demonstrate why it is important to compare rates quotes for a targeted area and risk profile, rather than using averaged prices.
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.
More Rate Details
The chart below details estimated Acura MDX insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $830
- Raising to $1,000 deductibles will save approximately $1,234 annually
- The average rate for the average middle-age driver who has $500 deductibles is $1,430
- Selecting low $100 deductibles will increase the cost to $1,804
- Unlucky drivers with serious driving violations could pay up to $3,076 or more
- The price for full coverage for a teenage driver can cost as much as $5,266
Insurance prices for an Acura MDX are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $5,200 a year. View Rates by Age
The state you live in also has a big influence on Acura MDX insurance rates. A middle-age driver might find prices as low as $1,030 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,930 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,294 | -$136 | -9.5% |
| Alaska | $1,098 | -$332 | -23.2% |
| Arizona | $1,188 | -$242 | -16.9% |
| Arkansas | $1,430 | -$0 | 0.0% |
| California | $1,630 | $200 | 14.0% |
| Colorado | $1,368 | -$62 | -4.3% |
| Connecticut | $1,472 | $42 | 2.9% |
| Delaware | $1,618 | $188 | 13.1% |
| Florida | $1,790 | $360 | 25.2% |
| Georgia | $1,322 | -$108 | -7.6% |
| Hawaii | $1,026 | -$404 | -28.3% |
| Idaho | $968 | -$462 | -32.3% |
| Illinois | $1,066 | -$364 | -25.5% |
| Indiana | $1,076 | -$354 | -24.8% |
| Iowa | $966 | -$464 | -32.4% |
| Kansas | $1,362 | -$68 | -4.8% |
| Kentucky | $1,952 | $522 | 36.5% |
| Louisiana | $2,118 | $688 | 48.1% |
| Maine | $882 | -$548 | -38.3% |
| Maryland | $1,180 | -$250 | -17.5% |
| Massachusetts | $1,144 | -$286 | -20.0% |
| Michigan | $2,486 | $1,056 | 73.8% |
| Minnesota | $1,196 | -$234 | -16.4% |
| Mississippi | $1,714 | $284 | 19.9% |
| Missouri | $1,270 | -$160 | -11.2% |
| Montana | $1,538 | $108 | 7.6% |
| Nebraska | $1,128 | -$302 | -21.1% |
| Nevada | $1,714 | $284 | 19.9% |
| New Hampshire | $1,032 | -$398 | -27.8% |
| New Jersey | $1,598 | $168 | 11.7% |
| New Mexico | $1,266 | -$164 | -11.5% |
| New York | $1,508 | $78 | 5.5% |
| North Carolina | $826 | -$604 | -42.2% |
| North Dakota | $1,170 | -$260 | -18.2% |
| Ohio | $990 | -$440 | -30.8% |
| Oklahoma | $1,470 | $40 | 2.8% |
| Oregon | $1,310 | -$120 | -8.4% |
| Pennsylvania | $1,366 | -$64 | -4.5% |
| Rhode Island | $1,908 | $478 | 33.4% |
| South Carolina | $1,296 | -$134 | -9.4% |
| South Dakota | $1,208 | -$222 | -15.5% |
| Tennessee | $1,254 | -$176 | -12.3% |
| Texas | $1,724 | $294 | 20.6% |
| Utah | $1,060 | -$370 | -25.9% |
| Vermont | $980 | -$450 | -31.5% |
| Virginia | $858 | -$572 | -40.0% |
| Washington | $1,106 | -$324 | -22.7% |
| West Virginia | $1,310 | -$120 | -8.4% |
| Wisconsin | $990 | -$440 | -30.8% |
| Wyoming | $1,274 | -$156 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $570 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 133% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, so the prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura MDX 4WD | $1,388 | $116 |
| Acura MDX with Tech Package 4WD | $1,430 | $119 |
| Acura MDX with Tech/Entertainment 4WD | $1,430 | $119 |
| Acura MDX Advance 4WD | $1,470 | $123 |
| Acura MDX Advance/Entertainment 4WD | $1,470 | $123 |
Rates assume 2023 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 |
|---|---|---|---|---|
| 2024 Acura MDX | $344 | $536 | $398 | $1,436 |
| 2023 Acura MDX | $332 | $524 | $416 | $1,430 |
| 2022 Acura MDX | $320 | $502 | $430 | $1,410 |
| 2021 Acura MDX | $304 | $484 | $442 | $1,388 |
| 2020 Acura MDX | $292 | $450 | $452 | $1,352 |
| 2019 Acura MDX | $280 | $424 | $456 | $1,318 |
| 2018 Acura MDX | $268 | $380 | $460 | $1,266 |
| 2017 Acura MDX | $250 | $350 | $460 | $1,218 |
| 2016 Acura MDX | $242 | $328 | $464 | $1,192 |
| 2015 Acura MDX | $236 | $306 | $474 | $1,174 |
| 2014 Acura MDX | $218 | $284 | $474 | $1,134 |
| 2013 Acura MDX | $212 | $258 | $478 | $1,106 |
| 2012 Acura MDX | $198 | $236 | $474 | $1,066 |
| 2011 Acura MDX | $186 | $214 | $474 | $1,032 |
| 2010 Acura MDX | $180 | $192 | $468 | $998 |
| 2009 Acura MDX | $178 | $188 | $460 | $984 |
| 2008 Acura MDX | $176 | $178 | $452 | $964 |
| 2007 Acura MDX | $160 | $170 | $446 | $934 |
| 2006 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 Low Cost Acura MDX Insurance
Getting lower rates on auto insurance consists of being a good driver, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at least every other year by quoting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a review of the car insurance concepts touched on in the above illustrations.
- Drivers who have several accidents or serious violations may pay on average $1,650 more annually than a safer driver
- You may be able to save approximately $170 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $575 each year
- Consumers who want an increased level of liability coverage will pay approximately $460 every year to raise from a low 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 | $5,266 |
| 20 | $3,264 |
| 30 | $1,494 |
| 40 | $1,430 |
| 50 | $1,306 |
| 60 | $1,278 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,804 |
| $250 | $1,634 |
| $500 | $1,430 |
| $1,000 | $1,234 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,430 |
| 50/100 | $1,553 |
| 100/300 | $1,657 |
| 250/500 | $1,928 |
| 100 CSL | $1,595 |
| 300 CSL | $1,824 |
| 500 CSL | $1,990 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,510 |
| 20 | $5,190 |
| 30 | $3,144 |
| 40 | $3,076 |
| 50 | $2,932 |
| 60 | $2,904 |
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 | $76 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $102 |
| Total Discounts | $600 |
Discounts are estimated and may not be available from every company or in every state.
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