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: Jun 6, 2023

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.

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:

Comprehensive $292
Collision $450
Liability $452

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.

Liability Only $504
Full Coverage $1,352
High Risk $2,906

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.

Rural Areas $1,014
Small Cities $1,420
Large Cities $1,825

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

View Chart as Image

Acura MDX insurance cost comparison chart
Column chart showing full coverage Acura MDX insurance rates range from $789 to $5,080

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.

Acura MDX Insurance Rates by State
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%

View Chart as Image

Acura MDX insurance rates by U.S. city

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

Acura MDX Insurance Rates by Model and Trim Level
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.

Acura MDX Insurance Rates by Model Year
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.

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 $5,080
20 $3,086
30 $1,400
40 $1,352
50 $1,234
60 $1,210

Full coverage, $500 deductibles

Rates by Deductible

Acura MDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,676
$250 $1,526
$500 $1,352
$1,000 $1,182

Full coverage, driver age 40

Rates by Liability Limit

Acura MDX Insurance Rates with Different Liability Limits
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

Acura MDX Insurance 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.

SR-22 Surcharge $185

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
Rate after discounts $789

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