Acura MDX Insurance Rates
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Michelle Robbins
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UPDATED: Apr 26, 2024
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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 insurance prices for an Acura MDX are $1,436 every 12 months including full coverage. Comprehensive costs approximately $344, collision costs $536, and liability insurance costs $398. A policy with just liability insurance costs as little as $460 a year, with coverage for high-risk drivers costing around $3,084. 16-year-old drivers pay the highest rates at $5,252 a year or more.
Average premium for full coverage: $1,436
Price estimates by individual coverage:
Prices include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different MDX trim levels.
Price Range from Low to High
For a driver around age 40, Acura MDX insurance prices go from the cheapest price of $460 for liability-only coverage to a much higher rate of $3,084 for high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on rate 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 breaks down estimated Acura MDX insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $832
- Drivers who choose higher $1,000 deductibles will pay $200 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,436
- Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,822
- High risk drivers with multiple tickets or accidents could pay around $3,084 or more
- The price to insure a teen driver with full coverage can cost $5,252 a year
Insurance prices for an Acura MDX are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your MDX.
Opting for high physical damage deductibles could save up to $590 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Acura MDX insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,050 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,300 | -$136 | -9.5% |
| Alaska | $1,104 | -$332 | -23.1% |
| Arizona | $1,194 | -$242 | -16.9% |
| Arkansas | $1,436 | -$0 | 0.0% |
| California | $1,638 | $202 | 14.1% |
| Colorado | $1,372 | -$64 | -4.5% |
| Connecticut | $1,480 | $44 | 3.1% |
| Delaware | $1,628 | $192 | 13.4% |
| Florida | $1,798 | $362 | 25.2% |
| Georgia | $1,328 | -$108 | -7.5% |
| Hawaii | $1,034 | -$402 | -28.0% |
| Idaho | $974 | -$462 | -32.2% |
| Illinois | $1,072 | -$364 | -25.3% |
| Indiana | $1,082 | -$354 | -24.7% |
| Iowa | $970 | -$466 | -32.5% |
| Kansas | $1,366 | -$70 | -4.9% |
| Kentucky | $1,962 | $526 | 36.6% |
| Louisiana | $2,128 | $692 | 48.2% |
| Maine | $888 | -$548 | -38.2% |
| Maryland | $1,184 | -$252 | -17.5% |
| Massachusetts | $1,150 | -$286 | -19.9% |
| Michigan | $2,498 | $1,062 | 74.0% |
| Minnesota | $1,204 | -$232 | -16.2% |
| Mississippi | $1,722 | $286 | 19.9% |
| Missouri | $1,276 | -$160 | -11.1% |
| Montana | $1,544 | $108 | 7.5% |
| Nebraska | $1,134 | -$302 | -21.0% |
| Nevada | $1,724 | $288 | 20.1% |
| New Hampshire | $1,036 | -$400 | -27.9% |
| New Jersey | $1,608 | $172 | 12.0% |
| New Mexico | $1,274 | -$162 | -11.3% |
| New York | $1,514 | $78 | 5.4% |
| North Carolina | $828 | -$608 | -42.3% |
| North Dakota | $1,178 | -$258 | -18.0% |
| Ohio | $994 | -$442 | -30.8% |
| Oklahoma | $1,478 | $42 | 2.9% |
| Oregon | $1,318 | -$118 | -8.2% |
| Pennsylvania | $1,372 | -$64 | -4.5% |
| Rhode Island | $1,920 | $484 | 33.7% |
| South Carolina | $1,304 | -$132 | -9.2% |
| South Dakota | $1,212 | -$224 | -15.6% |
| Tennessee | $1,260 | -$176 | -12.3% |
| Texas | $1,732 | $296 | 20.6% |
| Utah | $1,064 | -$372 | -25.9% |
| Vermont | $984 | -$452 | -31.5% |
| Virginia | $860 | -$576 | -40.1% |
| Washington | $1,112 | -$324 | -22.6% |
| West Virginia | $1,318 | -$118 | -8.2% |
| Wisconsin | $996 | -$440 | -30.6% |
| Wyoming | $1,280 | -$156 | -10.9% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Every company utilizes a different rate formula, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura MDX 4WD | $1,394 | $116 |
| Acura MDX with Tech Package 4WD | $1,436 | $120 |
| Acura MDX with Tech/Entertainment 4WD | $1,436 | $120 |
| Acura MDX Advance 4WD | $1,478 | $123 |
| Acura MDX Advance/Entertainment 4WD | $1,478 | $123 |
Rates assume 2023 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 |
|---|---|---|---|---|
| 2024 Acura MDX | $358 | $542 | $390 | $1,448 |
| 2023 Acura MDX | $344 | $536 | $398 | $1,436 |
| 2022 Acura MDX | $332 | $524 | $416 | $1,430 |
| 2021 Acura MDX | $320 | $502 | $430 | $1,410 |
| 2020 Acura MDX | $304 | $484 | $442 | $1,388 |
| 2019 Acura MDX | $292 | $450 | $452 | $1,352 |
| 2018 Acura MDX | $280 | $424 | $456 | $1,318 |
| 2017 Acura MDX | $268 | $380 | $460 | $1,266 |
| 2016 Acura MDX | $250 | $350 | $460 | $1,218 |
| 2015 Acura MDX | $242 | $328 | $464 | $1,192 |
| 2014 Acura MDX | $236 | $306 | $474 | $1,174 |
| 2013 Acura MDX | $218 | $284 | $474 | $1,134 |
| 2012 Acura MDX | $212 | $258 | $478 | $1,106 |
| 2011 Acura MDX | $198 | $236 | $474 | $1,066 |
| 2010 Acura MDX | $186 | $214 | $474 | $1,032 |
| 2009 Acura MDX | $180 | $192 | $468 | $998 |
| 2008 Acura MDX | $178 | $188 | $460 | $984 |
| 2007 Acura MDX | $176 | $178 | $452 | $964 |
| 2006 Acura MDX | $160 | $170 | $446 | $934 |
| 2005 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 Shop for the Right Acura MDX Insurance
Getting lower rates on Acura MDX insurance not only requires avoiding accidents and claims, but also having good credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The points below are a quick rundown of the material that was covered above.
- Drivers who purchase increased liability limits will pay around $440 per year to go from a low limit to a 250/500 level
- Drivers under the age of 20 are expensive to insure, possibly costing $438 a month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions could be charged and average of $1,650 more per year to insure an Acura MDX
- Increasing physical damage deductibles could save as much as $575 each year
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 | $5,252 |
| 20 | $3,276 |
| 30 | $1,504 |
| 40 | $1,436 |
| 50 | $1,312 |
| 60 | $1,284 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,822 |
| $250 | $1,646 |
| $500 | $1,436 |
| $1,000 | $1,236 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,436 |
| 50/100 | $1,558 |
| 100/300 | $1,657 |
| 250/500 | $1,916 |
| 100 CSL | $1,597 |
| 300 CSL | $1,816 |
| 500 CSL | $1,976 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,494 |
| 20 | $5,202 |
| 30 | $3,156 |
| 40 | $3,084 |
| 50 | $2,938 |
| 60 | $2,912 |
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 | $77 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $104 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $65 |
| Advance Quote | $70 |
| Online Quote | $102 |
| Total Discounts | $604 |
Discounts are estimated and may not be available from every company or in every state.
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