Acura MDX Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 26, 2024

Advertiser Disclosure

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.

Acura MDX insurance

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.

Estimated insurance prices for an Acura MDX are $1,448 every 12 months for full coverage insurance. Comprehensive insurance costs around $358, collision insurance costs $542, and liability insurance costs $390. Liability-only insurance costs as little as $452 a year, and high-risk driver insurance costs $3,098 or more. Teenage drivers pay the most at up to $5,248 a year.

Average premium for full coverage: $1,448

Premium estimates for type of coverage:

Comprehensive $358
Collision $542
Liability $390

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all MDX models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for an Acura MDX range from the cheapest price of $452 for just the minimum liability insurance to the much higher price of $3,098 for a driver required to buy high-risk insurance.

Liability Only $452
Full Coverage $1,448
High Risk $3,098

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than densely populated cities. The example below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,086
Small Cities $1,520
Large Cities $1,955

These rate differences illustrate why everyone should compare rates for a specific zip code and their own driving history, rather than relying on average rates.

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 illustrates average Acura MDX insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $841
  • Drivers who choose higher $1,000 deductibles will pay about $206 each year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,448
  • Using pricier low deductibles for comprehensive and collision insurance costs an extra $392 a year
  • High risk drivers who are prone to accidents and violations could pay at least $3,098
  • An auto insurance policy to insure a teen driver for full coverage can be $5,248 a year

View Chart as Image

Acura MDX insurance cost comparison chart
Column chart showing Acura MDX insurance prices range from $841 to $5,248 for full coverage

Insurance prices for an Acura MDX also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles could save up to $600 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,700 to $2,300 additional annually, depending on your age. Acura MDX insurance for high-risk drivers can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Acura MDX insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,960 on average in Michigan, New York, and Florida.

Acura MDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,308 -$140 -9.7%
Alaska $1,110 -$338 -23.3%
Arizona $1,202 -$246 -17.0%
Arkansas $1,448 -$0 0.0%
California $1,650 $202 14.0%
Colorado $1,382 -$66 -4.6%
Connecticut $1,488 $40 2.8%
Delaware $1,640 $192 13.3%
Florida $1,812 $364 25.1%
Georgia $1,338 -$110 -7.6%
Hawaii $1,040 -$408 -28.2%
Idaho $980 -$468 -32.3%
Illinois $1,080 -$368 -25.4%
Indiana $1,090 -$358 -24.7%
Iowa $978 -$470 -32.5%
Kansas $1,376 -$72 -5.0%
Kentucky $1,976 $528 36.5%
Louisiana $2,146 $698 48.2%
Maine $894 -$554 -38.3%
Maryland $1,194 -$254 -17.5%
Massachusetts $1,158 -$290 -20.0%
Michigan $2,518 $1,070 73.9%
Minnesota $1,210 -$238 -16.4%
Mississippi $1,734 $286 19.8%
Missouri $1,284 -$164 -11.3%
Montana $1,556 $108 7.5%
Nebraska $1,142 -$306 -21.1%
Nevada $1,736 $288 19.9%
New Hampshire $1,042 -$406 -28.0%
New Jersey $1,618 $170 11.7%
New Mexico $1,284 -$164 -11.3%
New York $1,526 $78 5.4%
North Carolina $834 -$614 -42.4%
North Dakota $1,186 -$262 -18.1%
Ohio $1,002 -$446 -30.8%
Oklahoma $1,488 $40 2.8%
Oregon $1,326 -$122 -8.4%
Pennsylvania $1,382 -$66 -4.6%
Rhode Island $1,932 $484 33.4%
South Carolina $1,314 -$134 -9.3%
South Dakota $1,220 -$228 -15.7%
Tennessee $1,270 -$178 -12.3%
Texas $1,746 $298 20.6%
Utah $1,072 -$376 -26.0%
Vermont $992 -$456 -31.5%
Virginia $868 -$580 -40.1%
Washington $1,120 -$328 -22.7%
West Virginia $1,328 -$120 -8.3%
Wisconsin $1,002 -$446 -30.8%
Wyoming $1,292 -$156 -10.8%

View Chart as Image

Acura MDX insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Acura MDX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Acura MDX 4WD $1,406 $117
Acura MDX with Tech Package 4WD $1,448 $121
Acura MDX with Tech/Entertainment 4WD $1,448 $121
Acura MDX Advance 4WD $1,490 $124
Acura MDX Advance/Entertainment 4WD $1,490 $124

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.

Acura MDX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Acura MDX $376 $562 $372 $1,468
2023 Acura MDX $358 $542 $390 $1,448
2022 Acura MDX $344 $536 $398 $1,436
2021 Acura MDX $332 $524 $416 $1,430
2020 Acura MDX $320 $502 $430 $1,410
2019 Acura MDX $304 $484 $442 $1,388
2018 Acura MDX $292 $450 $452 $1,352
2017 Acura MDX $280 $424 $456 $1,318
2016 Acura MDX $268 $380 $460 $1,266
2015 Acura MDX $250 $350 $460 $1,218
2014 Acura MDX $242 $328 $464 $1,192
2013 Acura MDX $236 $306 $474 $1,174
2012 Acura MDX $218 $284 $474 $1,134
2011 Acura MDX $212 $258 $478 $1,106
2010 Acura MDX $198 $236 $474 $1,066
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

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 Cheap Acura MDX Insurance

Finding better rates on Acura MDX insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the data touched on in this article.

  • Drivers who may need more liability coverage will pay an extra $430 annually to go from 30/60 bodily injury limits to a 250/500 level
  • It is possible to save up to $170 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save as much as $600 each year
  • Teen drivers are charged the highest prices, with premiums being up to $437 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 lock 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.



Rates by Driver Age

Acura MDX Insurance Rates by Driver Age
Driver Age Premium
16 $5,248
20 $3,286
30 $1,514
40 $1,448
50 $1,320
60 $1,292

Full coverage, $500 deductibles

Rates by Deductible

Acura MDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,840
$250 $1,660
$500 $1,448
$1,000 $1,242

Full coverage, driver age 40

Rates by Liability Limit

Acura MDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,448
50/100 $1,568
100/300 $1,666
250/500 $1,919
100 CSL $1,607
300 CSL $1,822
500 CSL $1,978

Full coverage, driver age 40

Rates for High Risk Drivers

Acura MDX Insurance Rates for High Risk Drivers
Age Premium
16 $7,492
20 $5,218
30 $3,172
40 $3,098
50 $2,950
60 $2,922

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 $195

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 $105
5-yr Claim Free $92
Paid in Full/EFT $66
Advance Quote $70
Online Quote $103
Total Discounts $607
Rate after discounts $841

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

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles