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2001 Acura MDX Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 28, 2020

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Average insurance rates for an 2001 Acura MDX are $916 a year for full coverage. Comprehensive costs around $154, collision insurance costs $162, and liability insurance costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs around $1,954. Teenage drivers receive the highest rates at up to $3,710 a year.

Annual premium for full coverage: $916

Rate estimates for 2001 Acura MDX Insurance

Comprehensive $154
Collision $162
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2001 Acura MDX models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $496 for a discount liability-only rate to a much higher rate of $1,954 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $916
High Risk $1,954

View Chart as Image

2001 Acura MDX insurance rates compared
Column chart showing 2001 Acura MDX insurance prices range from $569 to $3,710 for full coverage

These differences show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2001 Acura MDX Insurance

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Looking for better car insurance rates for your Acura MDX? Finding better insurance prices for an Acura MDX could be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to find car insurance online and we’ll show you the best way to get price quotes for a Acura and get the lowest possible price.

If you have a policy now or need a new policy, you can use these tips to cut your premiums and possibly find even better coverage. Pricing affordable auto insurance coverage is simple if you know the tricks. Consumers only need an understanding of the proper methods to shop online.

Are you getting all your discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be specially asked for before they will apply. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for MDX coverage than their less cautious counterparts.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts when compared to bad drivers.
  • No Charge for an Accident – Certain companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Homeowners Discount – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance from them.
  • Defensive Driver – Taking part in a course in driver safety could cut 5% off your bill if your company offers it.

It’s important to note that many deductions do not apply to the entire cost. Most only reduce specific coverage prices like comp or med pay. Just because you may think it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any amount of discount will bring down your overall premium however.

Car insurance companies who might offer these benefits are:

Double check with every prospective company which discounts you may be entitled to. Some discounts might not be offered everywhere.

Why your Acura MDX might be costing you more

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for insurance coverage. Knowing what controls the rates you pay allows you to make educated decisions that could result in lower insurance coverage prices.

  • Your insurance coverage rates can be influenced by your job – Did you know your occupation can influence how much you pay for insurance coverage? Occupations like doctors, business owners and financial analysts tend to pay higher average rates due to high stress and lots of time spent at work. Conversely, jobs such as actors, engineers and performers have the lowest average rates for MDX coverage.
  • Pay less after the wedding – Having a wife or husband actually saves money on insurance coverage. Having a spouse means you’re more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • Rate your vehicle for proper use – Driving more miles in a year’s time the higher your rate. Most insurance companies price each vehicle’s coverage based on their usage. Cars used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your insurance coverage coverage is rated on the proper vehicle usage. If your policy improperly rates your MDX can cost quite a bit.
  • Never go without insurance – Having an insurance coverage lapse will be a quick way to pay more for insurance coverage. And not only will your rates increase, but not being able to provide proof of insurance may earn you a license revocation or jail time.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Don’t get talked into coverage you don’t need – There are many add-on coverages that you can buy on your MDX policy. Coverages like personal injury protection, towing coverage and additional equipment coverage are examples of these. These may sound like a good investment at first, but now you might not need them so get rid of them and save.

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When might I need an agent?

When buying the right insurance coverage, there really is not a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

  • Am I covered if I wreck a rental car?
  • Will my insurance pay for OEM parts?
  • How many claims can I have before being canceled?
  • Should I drop comprehensive coverage on older vehicles?
  • Is pleasure use cheaper than using my 2001 Acura MDX to commute?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Parts of your insurance policy

Understanding the coverages of insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for surgery, dental work and prosthetic devices. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like pain and suffering, bail bonds, loss of income and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hail damage, fire damage, falling objects and damage from flooding. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

Collision coverage covers damage to your MDX from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, colliding with a tree, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2001 Acura MDX.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

You can do this!

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Drivers who switch companies do it for a number of reasons such as delays in paying claims, denial of a claim, extreme rates for teen drivers and even poor customer service. No matter why you want to switch, choosing a new company is not as hard as you think.

We just showed you a lot of information how to shop for 2001 Acura MDX insurance online. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the most savings is with some of the smallest insurance companies.

To learn more, take a look at the resources below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2001 Acura MDX Insurance Rates by City
City Premium
New York City, NY $1,449
Los Angeles, CA $1,566
Philadelphia, PA $1,226
Jacksonville, FL $1,332
Phoenix, AZ $1,067
Chicago, IL $1,231
Houston, TX $1,435
Seattle, WA $895
Columbus, OH $767
Indianapolis, IN $780

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2001 Acura MDX Insurance Rates by Driver Age
Driver Age Premium
16 $3,710
20 $2,076
30 $930
40 $916
50 $842
60 $824

Full coverage, $500 deductibles

Rates by Deductible

2001 Acura MDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,050
$250 $990
$500 $916
$1,000 $844

Full coverage, driver age 40

Rates by Liability Limit

Acura MDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $916
50/100 $1,004
100/300 $1,115
250/500 $1,402
100 CSL $1,049
300 CSL $1,292
500 CSL $1,469

Full coverage, driver age 40

Rates for High Risk Drivers

2001 Acura MDX Insurance Rates for High Risk Drivers
Age Premium
16 $5,202
20 $3,302
30 $1,968
40 $1,954
50 $1,868
60 $1,848

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 $118

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $45
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $52
5-yr Claim Free $56
Paid in Full/EFT $31
Advance Quote $38
Online Quote $61
Total Discounts $347
Rate after discounts $569

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

Find companies with the cheapest rates in your area

2001 Acura MDX Insurance Rates by State
State Premium
Alabama $830
Alaska $704
Arizona $762
Arkansas $916
California $1,044
Colorado $876
Connecticut $942
Delaware $1,036
Florida $1,148
Georgia $846
Hawaii $660
Idaho $620
Illinois $684
Indiana $690
Iowa $618
Kansas $872
Kentucky $1,250
Louisiana $1,358
Maine $566
Maryland $758
Massachusetts $736
Michigan $1,592
Minnesota $768
Mississippi $1,100
Missouri $814
Montana $986
Nebraska $724
Nevada $1,100
New Hampshire $660
New Jersey $1,024
New Mexico $810
New York $966
North Carolina $528
North Dakota $750
Ohio $634
Oklahoma $942
Oregon $840
Pennsylvania $876
Rhode Island $1,224
South Carolina $830
South Dakota $774
Tennessee $806
Texas $1,104
Utah $680
Vermont $628
Virginia $548
Washington $710
West Virginia $840
Wisconsin $636
Wyoming $818

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