Acura MDX Insurance Rates
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UPDATED: Jun 6, 2023
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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 $1,318 annually with full coverage. Comprehensive costs approximately $280 each year, collision insurance costs $424, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs around $2,834. Teen drivers pay the highest rates at up to $4,982 a year.
Average premium for full coverage: $1,318
Price estimates by individual coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and MDX models.
Price Range from Low to High
For the average driver, Acura MDX insurance prices range from as cheap as $508 for just the minimum liability insurance to a high rate of $2,834 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city has a significant impact on the price of insurance. Rural locations have fewer collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance prices.
The ranges above demonstrate why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on 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 Analysis
The chart below details average Acura MDX insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $772
- Choosing higher $1,000 deductibles can save $162 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,318
- Choosing low deductibles for comp and collision coverage will cost $1,624
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,834
- The price with full coverage for a teen driver can cost $4,982 each year
Auto insurance prices for an Acura MDX are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 annually 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 $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $470 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Acura MDX insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,780 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,192 | -$126 | -9.6% |
| Alaska | $1,010 | -$308 | -23.4% |
| Arizona | $1,094 | -$224 | -17.0% |
| Arkansas | $1,318 | -$0 | 0.0% |
| California | $1,502 | $184 | 14.0% |
| Colorado | $1,260 | -$58 | -4.4% |
| Connecticut | $1,354 | $36 | 2.7% |
| Delaware | $1,490 | $172 | 13.1% |
| Florida | $1,648 | $330 | 25.0% |
| Georgia | $1,214 | -$104 | -7.9% |
| Hawaii | $948 | -$370 | -28.1% |
| Idaho | $890 | -$428 | -32.5% |
| Illinois | $982 | -$336 | -25.5% |
| Indiana | $994 | -$324 | -24.6% |
| Iowa | $890 | -$428 | -32.5% |
| Kansas | $1,252 | -$66 | -5.0% |
| Kentucky | $1,798 | $480 | 36.4% |
| Louisiana | $1,948 | $630 | 47.8% |
| Maine | $814 | -$504 | -38.2% |
| Maryland | $1,088 | -$230 | -17.5% |
| Massachusetts | $1,054 | -$264 | -20.0% |
| Michigan | $2,290 | $972 | 73.7% |
| Minnesota | $1,102 | -$216 | -16.4% |
| Mississippi | $1,578 | $260 | 19.7% |
| Missouri | $1,168 | -$150 | -11.4% |
| Montana | $1,416 | $98 | 7.4% |
| Nebraska | $1,038 | -$280 | -21.2% |
| Nevada | $1,580 | $262 | 19.9% |
| New Hampshire | $950 | -$368 | -27.9% |
| New Jersey | $1,470 | $152 | 11.5% |
| New Mexico | $1,166 | -$152 | -11.5% |
| New York | $1,388 | $70 | 5.3% |
| North Carolina | $760 | -$558 | -42.3% |
| North Dakota | $1,078 | -$240 | -18.2% |
| Ohio | $910 | -$408 | -31.0% |
| Oklahoma | $1,354 | $36 | 2.7% |
| Oregon | $1,206 | -$112 | -8.5% |
| Pennsylvania | $1,258 | -$60 | -4.6% |
| Rhode Island | $1,758 | $440 | 33.4% |
| South Carolina | $1,194 | -$124 | -9.4% |
| South Dakota | $1,112 | -$206 | -15.6% |
| Tennessee | $1,154 | -$164 | -12.4% |
| Texas | $1,588 | $270 | 20.5% |
| Utah | $978 | -$340 | -25.8% |
| Vermont | $904 | -$414 | -31.4% |
| Virginia | $790 | -$528 | -40.1% |
| Washington | $1,018 | -$300 | -22.8% |
| West Virginia | $1,206 | -$112 | -8.5% |
| Wisconsin | $912 | -$406 | -30.8% |
| Wyoming | $1,174 | -$144 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura MDX 4WD | $1,284 | $107 |
| Acura MDX with Tech Package 4WD | $1,318 | $110 |
| Acura MDX with Tech/Entertainment 4WD | $1,318 | $110 |
| Acura MDX Advance 4WD | $1,350 | $113 |
| Acura MDX Advance/Entertainment 4WD | $1,350 | $113 |
Rates assume 2017 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 |
|---|---|---|---|---|
| 2017 Acura MDX | $280 | $424 | $456 | $1,318 |
| 2016 Acura MDX | $268 | $380 | $460 | $1,266 |
| 2012 Acura MDX | $218 | $284 | $474 | $1,134 |
| 2011 Acura MDX | $212 | $258 | $478 | $1,106 |
| 2009 Acura MDX | $186 | $214 | $474 | $1,032 |
| 2008 Acura MDX | $180 | $192 | $468 | $998 |
| 2007 Acura MDX | $178 | $188 | $460 | $984 |
| 2006 Acura MDX | $176 | $178 | $452 | $964 |
| 2005 Acura MDX | $160 | $170 | $446 | $934 |
| 2004 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 Cheaper Acura MDX Insurance
Getting lower rates on Acura MDX insurance takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a condensed summary of the car insurance concepts touched on above.
- High-risk drivers with multiple at-fault accidents may pay on average $1,520 more per year than a driver with a clean driving record
- You may be able to save around $160 per year just by quoting online in advance
- Increasing physical damage deductibles could save up to $475 each year
- Drivers who purchase additional liability coverage will pay about $500 every year to raise limits 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 | $4,982 |
| 20 | $3,008 |
| 30 | $1,364 |
| 40 | $1,318 |
| 50 | $1,204 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,624 |
| $250 | $1,482 |
| $500 | $1,318 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,318 |
| 50/100 | $1,441 |
| 100/300 | $1,555 |
| 250/500 | $1,852 |
| 100 CSL | $1,487 |
| 300 CSL | $1,738 |
| 500 CSL | $1,920 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,082 |
| 20 | $4,788 |
| 30 | $2,884 |
| 40 | $2,834 |
| 50 | $2,706 |
| 60 | $2,680 |
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 | $70 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $56 |
| Advance Quote | $62 |
| Online Quote | $93 |
| Total Discounts | $546 |
Discounts are estimated and may not be available from every company or in every state.
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