Acura MDX Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Average insurance rates for an Acura MDX are $1,318 a year for full coverage insurance. Comprehensive insurance costs an estimated $280 a year, collision costs $424, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing $2,834 or more. Teen drivers receive the highest rates at $4,982 a year or more.
Average premium for full coverage: $1,318
Rate estimates broken down by individual coverage type:
These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and MDX trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $508 for liability-only coverage to a high of $2,834 for coverage for higher-risk drivers.
Price Range by Location
Your location has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than larger metro areas.
The diagram below illustrates the difference location can make on insurance prices.
These examples illustrate why it is important to compare rates for a targeted area, 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 Charts and Tables
The chart below illustrates estimated Acura MDX insurance rates for other coverage scenarios.
- The lowest rate with discounts is $772
- Drivers who choose higher $1,000 deductibles will pay approximately $1,156 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,318
- Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $306 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,834 or more
- The cost that insures a teen driver can cost as much as $4,982 a year
Insurance rates for an Acura MDX can also vary considerably based on the trim level of your MDX, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 127% more than average. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age
Where you live makes a big difference in Acura MDX insurance rates. A 40-year-old driver could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,780 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles could save up to $470 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly different.
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 Find Cheap Acura MDX Insurance
Saving money on Acura MDX insurance not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at least once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a brief summary of the primary concepts that were touched on in this article.
- It is possible to save approximately $160 per year simply by quoting early and online
- High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,520 more annually for auto insurance
- Increasing deductibles can save approximately $475 each year
- Teenage drivers are charged the highest rates, costing up to $415 per month if full coverage is included
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
