Acura ZDX Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2024
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Estimated auto insurance rates for an Acura ZDX are $1,112 annually with full coverage. Comprehensive costs approximately $208 a year, collision costs $272, and liability insurance costs $474. A policy with only liability insurance costs as little as $522 a year, with a high-risk policy costing around $2,388. 16-year-old drivers pay the most at $4,366 a year or more.
Average premium for full coverage: $1,112
Premium estimates by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and ZDX trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for an Acura ZDX go from as cheap as $522 for your basic liability-only policy to a high of $2,388 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. Rural locations are statistically proven to have fewer collision claims than congested cities.
The diagram below illustrates how geographic area affects auto insurance prices.
These rate differences demonstrate why it is important to compare rates using their specific location and their own personal driving habits, 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.
More Rate Information
The chart below details estimated Acura ZDX insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $669
- Drivers who choose higher $1,000 deductibles will pay $1,002 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,112
- Buying low $100 deductibles for comprehensive and collision insurance will cost $1,320
- High risk drivers with multiple tickets or accidents could pay around $2,388 or more
- An auto insurance policy with full coverage for a teen driver can cost $4,366 a year
Car insurance prices for an Acura ZDX also have a wide range based on the model of your ZDX, your driving record, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $4,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,300 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $320 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Acura ZDX insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Utah, Ohio, and New Hampshire, or at least $1,500 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so rate quotes will be substantially different between companies.
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 Buy Cheaper Acura ZDX Insurance
Finding better rates on Acura ZDX insurance not only requires having a decent driving record, but also having a good credit score, being claim-free, and avoiding coverage lapses. Invest the time to compare rates every other policy renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The following items are a condensed summary of the ideas that were presented in the illustrations above.
- 16 to 18-year-old drivers pay the highest auto insurance prices, possibly costing $364 per month if comprehensive and collision insurance is included
- High-risk drivers with multiple at-fault accidents may pay on average $1,280 more per year than a driver with a clean driving record
- Increasing policy deductibles could save up to $325 each year
- You may be able to save around $130 per year simply by quoting early and online
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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