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 auto insurance rates for an Acura MDX are $1,430 annually including full coverage. Comprehensive costs approximately $332 a year, collision insurance costs $524, and liability coverage is $416. Liability-only coverage costs around $474 a year, and high-risk coverage costs around $3,076. 16-year-old drivers pay the highest rates at up to $5,266 a year.
Average premium for full coverage: $1,430
Price estimates by individual coverage:
Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and MDX trim levels.
Price Range from Low to High
For a driver in their 40's, Acura MDX insurance prices range from as cheap as $474 for your basic liability-only policy to a high of $3,076 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance prices. Rural locations have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.
The ranges above highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than using rate 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.
More Rate Information
The chart below breaks down average Acura MDX insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $830
- Raising to $1,000 deductibles will save $1,234 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,430
- Buying low $100 deductibles will cost $1,804
- Unlucky drivers with multiple tickets or accidents could pay around $3,076
- The price with full coverage for a teenage driver can cost $5,266
Auto insurance prices for an Acura MDX are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 in extra premium 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 rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $570 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit
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 $1,100 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,040 on average in Louisiana, New York, 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% |
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 Buy the Best Acura MDX Insurance
Getting lower rates on auto insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and possibly higher deductibles. Invest time comparing rates every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
Below is a brief recap of the information covered in the charts and tables above.
- You may be able to save around $170 per year just by quoting early and online
- Teenage drivers have the highest car insurance prices, possibly costing $439 a month if full coverage is included
- Increasing physical damage deductibles could save up to $575 each year
- Drivers who tend to receive serious violations may have to pay on average $1,650 more per year for auto insurance
- Consumers who purchase higher levels of liability will pay around $460 per year to raise from a low limit to higher 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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