Acura RDX Insurance Rates

How much does an Acura RDX cost to insure? On average, Acura RDX insurance cost for full coverage average $1,292 a year, or $107 a month. Our guide breaks down Acura RDX car insurance so drivers can easily find savings. Learn more.

Enter your ZIP code in our free tool to get started on comparing Acura RDX insurance rates and find out how much is an Acura RDX to insure.

The average insurance rates for an Acura RDX are $1,038 a year for full coverage. Comprehensive costs an estimated $198 a year, collision costs $310, and liability insurance is estimated at $394. A liability-only policy costs approximately $440 a year, with high-risk insurance costing around $2,238. Teenage drivers cost the most to insure at $4,010 a year or more.

Average premium for full coverage: $1,038

Policy rates broken down by type of insurance:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and RDX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

The examples above show why it is important to get quotes for a targeted area, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below shows estimated Acura RDX insurance rates for other coverage scenarios.

• The best discount rate is $613
• Choosing higher $1,000 deductibles can save approximately $922 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,038
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,260
• High-risk insureds who are prone to accidents and violations could pay up to $2,238 or more
• Policy cost that insures a teen driver can cost as much as $4,010 each year

View Chart as Image

Car insurance rates for an Acura RDX also range considerably based on the trim level of your RDX, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $4,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Acura RDX insurance rates. A good driver about age 40 could pay as low as $690 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,480 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $340 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $354 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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.

How to Find the Cheapest Acura RDX Insurance

Finding cheaper rates on Acura RDX insurance takes having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices every couple of years by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a recap of the material that was touched on above.

• Drivers who want additional liability coverage will pay an extra $430 each year to raise limits from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $334 each month if full coverage is purchased
• High-risk drivers that have major violations or accidents may pay on average $1,200 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $350 each year

Frequently Asked Questions

• Is the Acura RDX expensive to insure? The estimated price for the average middle-age driver who has $500 deductibles is $1,292.
• How much does it cost to fill up an Acura RDX? According to FuelEconomy.gov the Annual Acura RDX Fuel Cost is $1,750.
• Is the 2020 Acura RDX a good car? It’s an all around good car in the luxury compact SUV category.
• What is the Acura RDX cost of ownership? According to RepairPal.com, “Cost. The average total annual cost for repairs and maintenance on a Acura RDX is $497, compared to an average of $859 for luxury compact SUVs and $652 for all vehicle models.” Plus your insurance cost and any loan you may have on your Acura RDX.
• What is the Acura RDX depreciation? According to CarEdge.com, “On average, expect to pay only 53% of the original cost with 67% of the vehicle’s lifetime remaining for a 2016 RDX.”
• What are the Acura RDX maintenance cost? See above from RepairPal
• Are Acura RDX expensive to maintain? Not more than other vehicles in its category.

To find the cheapest Acura insurance, make sure to compare rates. Doing so will allow you to compare multiple models, such as 2020 Acura costs, 2018 RDX costs, or the 2019 Acura RDX cost to own and insurance prices.

So if you are ready to find out the cost of Acura RDX 2016 insurance or Acura RDX 2013 cost of insurance, enter your ZIP code in our free tool below.

What are the Acura RDX safety ratings?

The Acura RDX cost to own can be cheaper if there are multiple safety features and good safety ratings, as insurers will offer discounts. The Acura RDX has some great safety features, such as vehicle stability assist, brake assist, automatic brake hold, and more.

The Insurance Institute for Highway Safety (IIHS) has also crash-tested the Acura RDX and awarded it a 2020 Top Safety Pick award.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Watch the video below for an example of one of the Acura RDX’s crash tests.

Acura RDX Compared Against Other Vehicles in the Same Class

The Acura RDX is a midsize luxury SUV, which can affect it’s liability rates. The IIHS recorded the liability losses for property damage as better than average and the bodily injury losses as substantially better than average.

Curious to see how other midsize SUV’s rates compare to the Audi RDX or want to know what the least expensive Acura is? Check out the midsize luxury SUVs below.

• Acura MDX Insurance Rates
• Audi Q5 Insurance Rates
• BMW X3 Insurance Rates

Ready to start shopping to find out everything from are Acura RDX expensive to maintain insurance to Acura RDS 2105 deals on insurance and 2016 RDX prices paid for insurance? Enter your ZIP code in our free tool below for help finding Acura RDX insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/acura/rdx-4-door-suv/2020