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.
Average insurance rates for an Acura MDX are $1,430 a year for full coverage. Comprehensive costs an estimated $332, collision insurance costs $524, and liability is estimated at $416. A policy with just liability insurance costs approximately $474 a year, and coverage for high-risk drivers costs around $3,076. Teen drivers receive the highest rates at up to $5,266 a year.
Average premium for full coverage: $1,430
Rate estimates broken down by individual coverage type:
Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for different MDX trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as low as $474 for minimum levels of liability insurance to a much higher rate of $3,076 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. More rural locations tend to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how where you live affects insurance prices.
These examples show why anyone shopping for car insurance should get quotes for a targeted area 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.
Additional Rate Details
The chart below shows average Acura MDX insurance rates for other coverage scenarios.
- The lowest rate with discounts is $830
- Choosing higher $1,000 deductibles can save approximately $196 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,430
- Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,804
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,076
- The cost for full coverage for a teen driver with full coverage can cost as much as $5,266 each year
Insurance rates for an Acura MDX can also vary considerably based on your driver profile, the trim level of your MDX, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age
Where you live plays a big part in determining prices for Acura MDX insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Iowa, Maine, and Idaho, or as much as $2,040 on average in New York, Louisiana, and Michigan.
| 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 high deductibles can save as much as $570 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance ranges as much as 44% to 133% 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 | $1,388 | $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 the Right Acura MDX Insurance
Saving money on car insurance takes having a good driving record, having a good credit history, eliminating unneeded coverage, and possibly raising deductibles. Take the time to comparison shop at every other renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The next list is a quick rundown of the concepts that were touched on in the above illustrations.
- Higher risk drivers with reckless driving or DUI convictions pay an average of $1,650 more annually to buy Acura MDX insurance
- Drivers age 20 and younger are expensive to insure, costing as high as $439 per month including comprehensive and collision insurance
- Drivers can save approximately $170 per year just by shopping early and online
- Increasing deductibles can save around $575 each year
- Drivers can save approximately $170 per year just by shopping early and online
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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