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2003 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 2003 Acura MDX are $964 a year including full coverage. Comprehensive costs approximately $176, collision insurance costs $178, and liability insurance costs around $452. Buying a liability-only policy costs as low as $504 a year, and high-risk insurance costs around $2,052. Teenage drivers receive the highest rates at up to $3,848 a year.

Annual premium for full coverage: $964

Rate estimates for 2003 Acura MDX Insurance

Comprehensive $176
Collision $178
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2003 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 a 40-year-old driver, prices range range from as low as $504 for a discount liability-only rate to the much higher price of $2,052 for high-risk insurance.

Liability Only $504
Full Coverage $964
High Risk $2,052

View Chart as Image

2003 Acura MDX insurance rates compared
Column chart showing 2003 Acura MDX insurance prices range from $597 to $3,848 for full coverage

These differences highlight why everyone should compare prices using their specific location 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 2003 Acura MDX Insurance

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Finding lower rates for insurance coverage can seem to be nearly impossible for beginners to comparing rates online. You have so many choices that it can quickly become a lot of work to find the best price.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Pricing cheaper auto insurance is quite easy. Although consumers need to have an understanding of how big insurance companies determine prices and use this information to your advantage.

The quickest method to compare policy rates utilizes the fact most insurance companies participate in a system to give you rate quotes. To start a quote, the only thing you need to do is provide a little information including the make and model of your vehicles, types of safety features, your general credit rating, and whether or not you need a SR-22. Your information is instantly submitted to many different companies and you get price estimates instantly.

Lower rates by qualifying for these five discounts

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but some must be asked about before you will receive the discount.

  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
  • Senior Citizens – If you’re over the age of 55, you may receive reduced rates for MDX insurance.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will reduce your premiums.

To see a list of providers who offer insurance discounts, click this link.

Free Auto Insurance Comparison

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

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Car insurance is unique, just like you

When it comes to buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • Should I rate my 2003 Acura MDX as pleasure use or commute?
  • Do I need motorclub coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Should I get collision insurance on every vehicle?
  • Does insurance cover damages from a DUI accident?
  • What if I don’t agree with a claim settlement offer?
  • Am I getting all the discounts available?
  • How do I insure my teen driver?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Insurance policy specifics

Learning about specific coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, sideswiping another vehicle, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, damage from a tornado or hurricane and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Acura MDX.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Auto liability

Liability insurance can cover injuries or damage you cause to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as funeral expenses, structural damage, medical services, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage kick in for bills like surgery, EMT expenses, X-ray expenses, pain medications and dental work. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Best coverage at the best price

We covered a lot of tips how to lower your 2003 Acura MDX insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

Affordable insurance is definitely available online as well as from independent agentsinsurance , so you should compare both in order to have the best chance of saving money. Some insurance coverage companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Consumers change insurance companies for any number of reasons including high prices, policy non-renewal, delays in responding to claim requests or delays in paying claims. Whatever your reason, finding a new company is actually quite simple.

To read more, link through to the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2003 Acura MDX Insurance Rates by City
City Premium
New York City, NY $1,521
Los Angeles, CA $1,647
Philadelphia, PA $1,285
Jacksonville, FL $1,399
Phoenix, AZ $1,120
Chicago, IL $1,292
Houston, TX $1,511
Seattle, WA $940
Columbus, OH $806
Indianapolis, IN $818

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 Acura MDX Insurance Rates by Driver Age
Driver Age Premium
16 $3,848
20 $2,176
30 $978
40 $964
50 $884
60 $864

Full coverage, $500 deductibles

Rates by Deductible

2003 Acura MDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,114
$250 $1,048
$500 $964
$1,000 $884

Full coverage, driver age 40

Rates by Liability Limit

Acura MDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $964
50/100 $1,054
100/300 $1,167
250/500 $1,461
100 CSL $1,100
300 CSL $1,348
500 CSL $1,529

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Acura MDX Insurance Rates for High Risk Drivers
Age Premium
16 $5,406
20 $3,456
30 $2,068
40 $2,052
50 $1,960
60 $1,940

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 $124

Potential Rate Discounts

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

Discount Savings
Multi-policy $48
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $56
5-yr Claim Free $59
Paid in Full/EFT $33
Advance Quote $40
Online Quote $64
Total Discounts $367
Rate after discounts $597

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

Find companies with the cheapest rates in your area

2003 Acura MDX Insurance Rates by State
State Premium
Alabama $872
Alaska $740
Arizona $800
Arkansas $964
California $1,098
Colorado $920
Connecticut $992
Delaware $1,090
Florida $1,206
Georgia $890
Hawaii $692
Idaho $652
Illinois $718
Indiana $724
Iowa $648
Kansas $916
Kentucky $1,314
Louisiana $1,426
Maine $594
Maryland $794
Massachusetts $770
Michigan $1,674
Minnesota $806
Mississippi $1,154
Missouri $854
Montana $1,034
Nebraska $760
Nevada $1,156
New Hampshire $694
New Jersey $1,078
New Mexico $854
New York $1,014
North Carolina $554
North Dakota $790
Ohio $666
Oklahoma $990
Oregon $882
Pennsylvania $918
Rhode Island $1,286
South Carolina $872
South Dakota $812
Tennessee $844
Texas $1,162
Utah $714
Vermont $660
Virginia $576
Washington $746
West Virginia $882
Wisconsin $668
Wyoming $860

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