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2008 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 2008 Acura MDX are $1,106 a year with full coverage. Comprehensive insurance costs around $212 a year, collision insurance costs $258, and liability coverage costs around $478. Buying a liability-only policy costs as low as $526 a year, and high-risk insurance costs $2,368 or more. Teen drivers receive the highest rates at up to $4,336 a year.

Annual premium for full coverage: $1,106

Rate estimates for 2008 Acura MDX Insurance

Comprehensive $212
Collision $258
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 middle-aged driver, prices range range from as low as $526 for a discount liability-only rate to a high of $2,368 for a high risk driver.

Liability Only $526
Full Coverage $1,106
High Risk $2,368

View Chart as Image

2008 Acura MDX insurance rates compared
Column chart showing 2008 Acura MDX insurance prices range from $668 to $4,336 for full coverage

These differences demonstrate why it is important for drivers to compare prices for a specific zip code and risk profile, rather than using price averages.

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 2008 Acura MDX Insurance

Searching Companies

Price shopping your insurance coverage can seem to be difficult for consumers new to comparing rates online. People have so many companies to choose from that it can turn into a real hassle to find the best price.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Locating affordable coverage can be fairly easy. But drivers do need to understand the way insurance companies price insurance differently because it can help you find the best coverage.

Discounts are basically free money

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but some must be inquired about before you get the savings.

  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save at least 10% off all policies.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • Homeowners Pay Less – Owning a house can save you money because maintaining a house shows financial diligence.
  • E-sign – Certain companies will give a small break for buying a policy and signing up over the internet.
  • Discount for Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
  • Clubs and Organizations – Affiliation with a professional or civic organization could trigger savings on your policy for MDX insurance.
  • Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts up to 30%.

Consumers should know that most discount credits are not given the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will help reduce your premiums.

Insurance companies that may have these discounts may include but are not limited to:

Before buying, ask each insurance company what discounts are available to you. Discounts might not apply in your state.

How to Compare Car Insurance Rates

The are a couple different ways of comparing price quotes and find the best price. The best method to find competitive 2008 Acura MDX insurance rates consists of shopping online. It is quite easy and can be accomplished in a couple of different ways.

  1. The recommended way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing repetitive form entry for each company. Just one form compares rates direct from many companies. This is perfect if you don’t have a lot of time.
  2. A harder way to find lower rates is spending the time to visit the website for each individual company to complete a price quote. For instance, we’ll pretend you want to compare State Farm, Allstate and Liberty Mutual. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but make sure you use identical coverage limits and deductibles for each comparison quote. If you are comparing different deductibles it will be next to impossible to determine which rate is truly the best. Slightly different limits could mean much higher rates. It’s important to know that more quotes provides better odds of finding the best rates.

Free Auto Insurance Comparison

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

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Which insurance is the “right” coverage?

When it comes to choosing coverage, there is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are rental cars covered under my policy?
  • Does my insurance cover my expensive audio equipment?
  • Do I need replacement cost coverage?
  • How can I force my company to pay a claim?
  • Which companies will insure high-risk drivers?
  • Will my insurance pay for OEM parts?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Learn about car insurance coverages for an Acura MDX

Knowing the specifics of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability

This protects you from damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things like court costs, medical expenses, attorney fees and emergency aid. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, sideswiping another vehicle, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for pain medications, hospital visits, prosthetic devices, doctor visits and EMT expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, theft, a tree branch falling on your vehicle, damage from getting keyed and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2008 Acura MDX.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

In the end, you save

You just learned some good ideas how to get a better price on 2008 Acura MDX insurance. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on auto insurance is with an unexpected company.

Insureds who switch companies do it for any number of reasons including not issuing a premium refund, high rates after DUI convictions, questionable increases in premium or high prices. It doesn’t matter what your reason, finding the right auto insurance provider is actually quite simple.

Discount insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Other resources

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Acura MDX Insurance Rates by City
City Premium
New York City, NY $1,746
Los Angeles, CA $1,890
Philadelphia, PA $1,481
Jacksonville, FL $1,605
Phoenix, AZ $1,285
Chicago, IL $1,483
Houston, TX $1,734
Seattle, WA $1,076
Columbus, OH $924
Indianapolis, IN $940

Need a specific model?

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Rates by Driver Age

2008 Acura MDX Insurance Rates by Driver Age
Driver Age Premium
16 $4,336
20 $2,504
30 $1,132
40 $1,106
50 $1,014
60 $992

Full coverage, $500 deductibles

Rates by Deductible

2008 Acura MDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,308
$250 $1,218
$500 $1,106
$1,000 $998

Full coverage, driver age 40

Rates by Liability Limit

Acura MDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,106
50/100 $1,202
100/300 $1,321
250/500 $1,632
100 CSL $1,249
300 CSL $1,512
500 CSL $1,704

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Acura MDX Insurance Rates for High Risk Drivers
Age Premium
16 $6,124
20 $3,992
30 $2,396
40 $2,368
50 $2,262
60 $2,238

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 $147

Potential Rate Discounts

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

Discount Savings
Multi-policy $57
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $69
5-yr Claim Free $69
Paid in Full/EFT $41
Advance Quote $49
Online Quote $76
Total Discounts $438
Rate after discounts $668

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

Find companies with the cheapest rates in your area

2008 Acura MDX Insurance Rates by State
State Premium
Alabama $1,000
Alaska $850
Arizona $918
Arkansas $1,106
California $1,260
Colorado $1,058
Connecticut $1,136
Delaware $1,252
Florida $1,384
Georgia $1,020
Hawaii $792
Idaho $748
Illinois $824
Indiana $832
Iowa $746
Kansas $1,052
Kentucky $1,510
Louisiana $1,638
Maine $682
Maryland $912
Massachusetts $886
Michigan $1,924
Minnesota $926
Mississippi $1,326
Missouri $982
Montana $1,188
Nebraska $872
Nevada $1,326
New Hampshire $798
New Jersey $1,238
New Mexico $978
New York $1,164
North Carolina $636
North Dakota $904
Ohio $764
Oklahoma $1,136
Oregon $1,014
Pennsylvania $1,058
Rhode Island $1,476
South Carolina $1,002
South Dakota $934
Tennessee $970
Texas $1,334
Utah $820
Vermont $758
Virginia $662
Washington $854
West Virginia $1,014
Wisconsin $766
Wyoming $988

Free Auto Insurance Comparison

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