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.
Average insurance rates for an Acura MDX are $1,352 a year with full coverage. Comprehensive costs an estimated $292, collision costs $450, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, with coverage for high-risk drivers costing around $2,906. Teen drivers receive the highest rates at $5,080 a year or more.
Average premium for full coverage: $1,352
Rate estimates broken down by individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all MDX models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the low end price of $504 for just liability insurance to the much higher price of $2,906 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than larger metro areas.
The example below illustrates how geographic area affects insurance prices.
These examples demonstrate why everyone should compare prices for a targeted area, instead of making a decision based 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.
More Rate Details
The chart below details estimated Acura MDX insurance rates for other coverage scenarios.
- The lowest rate with discounts is $789
- Using higher $1,000 deductibles will save approximately $170 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,352
- Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,676
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,906 or more
- The cost that insures a 16-year-old driver for full coverage can cost as much as $5,080 or more
Insurance rates for an Acura MDX can also vary considerably based on the model of your MDX, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $1,600 to $2,200 additional per year, depending on your age. Acura MDX insurance for high-risk drivers can be from 43% to 132% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age
Where you live has a huge impact on Acura MDX insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,820 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,222 | -$130 | -9.6% |
| Alaska | $1,036 | -$316 | -23.4% |
| Arizona | $1,120 | -$232 | -17.2% |
| Arkansas | $1,352 | -$0 | 0.0% |
| California | $1,538 | $186 | 13.8% |
| Colorado | $1,290 | -$62 | -4.6% |
| Connecticut | $1,390 | $38 | 2.8% |
| Delaware | $1,528 | $176 | 13.0% |
| Florida | $1,690 | $338 | 25.0% |
| Georgia | $1,248 | -$104 | -7.7% |
| Hawaii | $970 | -$382 | -28.3% |
| Idaho | $914 | -$438 | -32.4% |
| Illinois | $1,006 | -$346 | -25.6% |
| Indiana | $1,016 | -$336 | -24.9% |
| Iowa | $912 | -$440 | -32.5% |
| Kansas | $1,284 | -$68 | -5.0% |
| Kentucky | $1,844 | $492 | 36.4% |
| Louisiana | $2,000 | $648 | 47.9% |
| Maine | $834 | -$518 | -38.3% |
| Maryland | $1,112 | -$240 | -17.8% |
| Massachusetts | $1,082 | -$270 | -20.0% |
| Michigan | $2,346 | $994 | 73.5% |
| Minnesota | $1,130 | -$222 | -16.4% |
| Mississippi | $1,618 | $266 | 19.7% |
| Missouri | $1,196 | -$156 | -11.5% |
| Montana | $1,450 | $98 | 7.2% |
| Nebraska | $1,066 | -$286 | -21.2% |
| Nevada | $1,620 | $268 | 19.8% |
| New Hampshire | $974 | -$378 | -28.0% |
| New Jersey | $1,510 | $158 | 11.7% |
| New Mexico | $1,196 | -$156 | -11.5% |
| New York | $1,424 | $72 | 5.3% |
| North Carolina | $778 | -$574 | -42.5% |
| North Dakota | $1,106 | -$246 | -18.2% |
| Ohio | $934 | -$418 | -30.9% |
| Oklahoma | $1,388 | $36 | 2.7% |
| Oregon | $1,238 | -$114 | -8.4% |
| Pennsylvania | $1,288 | -$64 | -4.7% |
| Rhode Island | $1,804 | $452 | 33.4% |
| South Carolina | $1,224 | -$128 | -9.5% |
| South Dakota | $1,140 | -$212 | -15.7% |
| Tennessee | $1,184 | -$168 | -12.4% |
| Texas | $1,630 | $278 | 20.6% |
| Utah | $1,000 | -$352 | -26.0% |
| Vermont | $926 | -$426 | -31.5% |
| Virginia | $808 | -$544 | -40.2% |
| Washington | $1,044 | -$308 | -22.8% |
| West Virginia | $1,238 | -$114 | -8.4% |
| Wisconsin | $936 | -$416 | -30.8% |
| Wyoming | $1,204 | -$148 | -10.9% |
Choosing high deductibles could cut rates by as much as $500 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura MDX 4WD | $1,316 | $110 |
| Acura MDX with Tech Package 4WD | $1,352 | $113 |
| Acura MDX with Tech/Entertainment 4WD | $1,352 | $113 |
| Acura MDX Advance 4WD | $1,386 | $116 |
| Acura MDX Advance/Entertainment 4WD | $1,386 | $116 |
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 | $292 | $450 | $452 | $1,352 |
| 2016 Acura MDX | $280 | $424 | $456 | $1,318 |
| 2012 Acura MDX | $236 | $306 | $474 | $1,174 |
| 2011 Acura MDX | $218 | $284 | $474 | $1,134 |
| 2009 Acura MDX | $198 | $236 | $474 | $1,066 |
| 2008 Acura MDX | $186 | $214 | $474 | $1,032 |
| 2007 Acura MDX | $180 | $192 | $468 | $998 |
| 2006 Acura MDX | $178 | $188 | $460 | $984 |
| 2005 Acura MDX | $176 | $178 | $452 | $964 |
| 2004 Acura MDX | $160 | $170 | $446 | $934 |
| 2003 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 More Affordable Acura MDX Insurance
Saving money on insurance for an Acura MDX requires being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Shop around at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a summary of the data presented in the illustrations above.
- Insureds who want more liability protection will pay about $500 every year to increase from a minimum limit to the 250/500 level
- You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $500 each year
- Youthful drivers are expensive to insure, with premiums as much as $423 per month if comprehensive and collision insurance 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.
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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 | $5,080 |
| 20 | $3,086 |
| 30 | $1,400 |
| 40 | $1,352 |
| 50 | $1,234 |
| 60 | $1,210 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,676 |
| $250 | $1,526 |
| $500 | $1,352 |
| $1,000 | $1,182 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,352 |
| 50/100 | $1,476 |
| 100/300 | $1,589 |
| 250/500 | $1,883 |
| 100 CSL | $1,522 |
| 300 CSL | $1,770 |
| 500 CSL | $1,951 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,230 |
| 20 | $4,910 |
| 30 | $2,962 |
| 40 | $2,906 |
| 50 | $2,776 |
| 60 | $2,748 |
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 | $72 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $96 |
| Total Discounts | $563 |
Discounts are estimated and may not be available from every company or in every state.
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