Acura ZDX Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2024
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U.S. average insurance rates for an Acura ZDX are $1,112 a year including full coverage. Comprehensive costs on average $208, collision costs $272, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,388. 16-year-old drivers pay the highest rates at $4,366 a year or more.
Average premium for full coverage: $1,112
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all ZDX models.
Price Range from Low to High
For a driver in their 40's, Acura ZDX insurance prices go from as low as $522 for liability-only coverage to the much higher price of $2,388 for a high-risk driver policy.
Geographic Price Range
Your location has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities.
The example below illustrates how location helps determine car insurance rates.
The ranges above highlight why everyone should compare rates based on a specific location and risk profile, rather than using 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 ZDX insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $669
- Drivers who choose higher $1,000 deductibles will pay around $110 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,112
- Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,320
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,388 or more
- The price for full coverage for a teenage driver for full coverage may cost $4,366 a year
Auto insurance prices for an Acura ZDX are also quite variable based on your driving record, the model of your ZDX, and policy deductibles and limits.
A more mature driver with a good driving record and high deductibles may only pay around $1,000 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $4,300 a year. View Rates by Age
The state you live in makes a big difference in Acura ZDX insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,590 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,006 | -$106 | -9.5% |
| Alaska | $852 | -$260 | -23.4% |
| Arizona | $922 | -$190 | -17.1% |
| Arkansas | $1,112 | -$0 | 0.0% |
| California | $1,268 | $156 | 14.0% |
| Colorado | $1,062 | -$50 | -4.5% |
| Connecticut | $1,142 | $30 | 2.7% |
| Delaware | $1,258 | $146 | 13.1% |
| Florida | $1,392 | $280 | 25.2% |
| Georgia | $1,026 | -$86 | -7.7% |
| Hawaii | $798 | -$314 | -28.2% |
| Idaho | $750 | -$362 | -32.6% |
| Illinois | $828 | -$284 | -25.5% |
| Indiana | $836 | -$276 | -24.8% |
| Iowa | $750 | -$362 | -32.6% |
| Kansas | $1,058 | -$54 | -4.9% |
| Kentucky | $1,516 | $404 | 36.3% |
| Louisiana | $1,644 | $532 | 47.8% |
| Maine | $686 | -$426 | -38.3% |
| Maryland | $916 | -$196 | -17.6% |
| Massachusetts | $890 | -$222 | -20.0% |
| Michigan | $1,932 | $820 | 73.7% |
| Minnesota | $930 | -$182 | -16.4% |
| Mississippi | $1,330 | $218 | 19.6% |
| Missouri | $986 | -$126 | -11.3% |
| Montana | $1,194 | $82 | 7.4% |
| Nebraska | $878 | -$234 | -21.0% |
| Nevada | $1,334 | $222 | 20.0% |
| New Hampshire | $800 | -$312 | -28.1% |
| New Jersey | $1,242 | $130 | 11.7% |
| New Mexico | $986 | -$126 | -11.3% |
| New York | $1,172 | $60 | 5.4% |
| North Carolina | $642 | -$470 | -42.3% |
| North Dakota | $912 | -$200 | -18.0% |
| Ohio | $766 | -$346 | -31.1% |
| Oklahoma | $1,142 | $30 | 2.7% |
| Oregon | $1,018 | -$94 | -8.5% |
| Pennsylvania | $1,062 | -$50 | -4.5% |
| Rhode Island | $1,482 | $370 | 33.3% |
| South Carolina | $1,008 | -$104 | -9.4% |
| South Dakota | $938 | -$174 | -15.6% |
| Tennessee | $974 | -$138 | -12.4% |
| Texas | $1,340 | $228 | 20.5% |
| Utah | $824 | -$288 | -25.9% |
| Vermont | $762 | -$350 | -31.5% |
| Virginia | $666 | -$446 | -40.1% |
| Washington | $860 | -$252 | -22.7% |
| West Virginia | $1,018 | -$94 | -8.5% |
| Wisconsin | $770 | -$342 | -30.8% |
| Wyoming | $992 | -$120 | -10.8% |
Opting for high physical damage deductibles could save up to $320 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,300 to $1,900 in extra premium each year, depending on your age. Acura ZDX insurance for high-risk drivers can cost around 44% to 131% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura ZDX Technology Package AWD | $1,094 | $91 |
| Acura ZDX AWD | $1,094 | $91 |
| Acura ZDX Advance Package AWD | $1,130 | $94 |
Rates assume 2011 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 |
|---|---|---|---|---|
| 2013 Acura ZDX | $236 | $328 | $478 | $1,200 |
| 2012 Acura ZDX | $220 | $300 | $474 | $1,152 |
| 2011 Acura ZDX | $208 | $272 | $474 | $1,112 |
| 2010 Acura ZDX | $200 | $246 | $468 | $1,072 |
Rates are averaged for all Acura ZDX 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 the Best Acura ZDX Insurance
Getting lower rates on auto insurance not only requires having a decent driving record, but also having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following items are a brief recap of the information covered in the charts and tables above.
- You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $364 a month if they have full coverage
- Increasing physical damage deductibles can save around $325 each year
- Drivers who tend to receive serious violations may pay on average $1,280 more each year than a driver with a clean driving record
- Consumers who require additional liability coverage will pay around $520 per year to go from a low limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,366 |
| 20 | $2,530 |
| 30 | $1,138 |
| 40 | $1,112 |
| 50 | $1,018 |
| 60 | $996 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,320 |
| $250 | $1,224 |
| $500 | $1,112 |
| $1,000 | $1,002 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,112 |
| 50/100 | $1,225 |
| 100/300 | $1,343 |
| 250/500 | $1,651 |
| 100 CSL | $1,272 |
| 300 CSL | $1,533 |
| 500 CSL | $1,723 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,170 |
| 20 | $4,032 |
| 30 | $2,414 |
| 40 | $2,388 |
| 50 | $2,282 |
| 60 | $2,258 |
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 | $57 |
| Multi-vehicle | $59 |
| Homeowner | $19 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $76 |
| Total Discounts | $443 |
Discounts are estimated and may not be available from every company or in every state.
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