Acura ZDX Insurance Rates

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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...

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UPDATED: Jun 2, 2024

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U.S. average auto insurance rates for an Acura ZDX are $1,200 annually for full coverage insurance. Comprehensive costs around $236 each year, collision costs $328, and liability insurance costs $478. Liability-only coverage costs as little as $526 a year, with high-risk coverage costing around $2,582. Teenage drivers pay the highest rates at $4,650 a year or more.

Average premium for full coverage: $1,200

Price estimates for individual coverage:

Comprehensive $236
Collision $328
Liability $478

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and ZDX models.

Price Range from Low to High

Using a 40-year-old driver as an example, Acura ZDX insurance prices go from as cheap as $526 for minimum levels of liability insurance to a high rate of $2,582 for a driver that may need high-risk insurance.

Liability Only $526
Full Coverage $1,200
High Risk $2,582

Geographic Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

The ranges above illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, 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 Details

The chart below illustrates estimated Acura ZDX insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $713
  • Drivers who choose higher $1,000 deductibles will pay about $128 each year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,200
  • Using low deductibles for comprehensive and collision insurance will cost $1,446
  • High risk drivers who are prone to accidents and violations could pay at least $2,582 or more
  • The price with full coverage for a teen driver can be $4,650 a year

View Chart as Image

Acura ZDX insurance cost comparison chart
Column chart showing full coverage Acura ZDX insurance rates range from $713 to $4,650

Auto insurance prices for an Acura ZDX are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $380 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Acura ZDX insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

Acura ZDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,088 -$112 -9.3%
Alaska $922 -$278 -23.2%
Arizona $996 -$204 -17.0%
Arkansas $1,200 -$0 0.0%
California $1,368 $168 14.0%
Colorado $1,148 -$52 -4.3%
Connecticut $1,234 $34 2.8%
Delaware $1,360 $160 13.3%
Florida $1,502 $302 25.2%
Georgia $1,108 -$92 -7.7%
Hawaii $862 -$338 -28.2%
Idaho $812 -$388 -32.3%
Illinois $894 -$306 -25.5%
Indiana $904 -$296 -24.7%
Iowa $810 -$390 -32.5%
Kansas $1,142 -$58 -4.8%
Kentucky $1,638 $438 36.5%
Louisiana $1,776 $576 48.0%
Maine $740 -$460 -38.3%
Maryland $990 -$210 -17.5%
Massachusetts $960 -$240 -20.0%
Michigan $2,086 $886 73.8%
Minnesota $1,006 -$194 -16.2%
Mississippi $1,438 $238 19.8%
Missouri $1,066 -$134 -11.2%
Montana $1,292 $92 7.7%
Nebraska $946 -$254 -21.2%
Nevada $1,440 $240 20.0%
New Hampshire $864 -$336 -28.0%
New Jersey $1,344 $144 12.0%
New Mexico $1,064 -$136 -11.3%
New York $1,264 $64 5.3%
North Carolina $692 -$508 -42.3%
North Dakota $984 -$216 -18.0%
Ohio $830 -$370 -30.8%
Oklahoma $1,234 $34 2.8%
Oregon $1,100 -$100 -8.3%
Pennsylvania $1,148 -$52 -4.3%
Rhode Island $1,602 $402 33.5%
South Carolina $1,088 -$112 -9.3%
South Dakota $1,014 -$186 -15.5%
Tennessee $1,052 -$148 -12.3%
Texas $1,448 $248 20.7%
Utah $890 -$310 -25.8%
Vermont $822 -$378 -31.5%
Virginia $720 -$480 -40.0%
Washington $928 -$272 -22.7%
West Virginia $1,100 -$100 -8.3%
Wisconsin $832 -$368 -30.7%
Wyoming $1,070 -$130 -10.8%

View Chart as Image

Acura ZDX insurance rates by U.S. city

Since prices can be so different, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Acura ZDX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Acura ZDX Technology Package AWD $1,178 $98
Acura ZDX AWD $1,178 $98
Acura ZDX Advance Package AWD $1,222 $102

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.

Acura ZDX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2013 Acura ZDX $262 $390 $474 $1,284
2012 Acura ZDX $242 $362 $474 $1,236
2011 Acura ZDX $236 $328 $478 $1,200
2010 Acura ZDX $220 $300 $474 $1,152

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 More Affordable Acura ZDX Insurance

Getting lower rates on Acura ZDX insurance not only requires having a good driving record, but also having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a summary of the data that was raised in the charts and tables above.

  • It is possible to save up to $140 per year simply by quoting online in advance
  • Drivers who may need increased levels of liability coverage will pay an extra $530 annually to go from a low limit to higher 250/500 limits
  • Drivers age 20 and younger are expensive to insure, as much as $388 a month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations pay on average $1,380 more every year to buy Acura ZDX insurance

Rates by Driver Age

Acura ZDX Insurance Rates by Driver Age
Driver Age Premium
16 $4,650
20 $2,734
30 $1,236
40 $1,200
50 $1,100
60 $1,076

Full coverage, $500 deductibles

Rates by Deductible

Acura ZDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,446
$250 $1,334
$500 $1,200
$1,000 $1,072

Full coverage, driver age 40

Rates by Liability Limit

Acura ZDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,318
100/300 $1,437
250/500 $1,748
100 CSL $1,365
300 CSL $1,628
500 CSL $1,820

Full coverage, driver age 40

Rates for High Risk Drivers

Acura ZDX Insurance Rates for High Risk Drivers
Age Premium
16 $6,588
20 $4,358
30 $2,618
40 $2,582
50 $2,466
60 $2,442

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 $162

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $78
5-yr Claim Free $76
Paid in Full/EFT $48
Advance Quote $55
Online Quote $83
Total Discounts $487
Rate after discounts $713

Discounts are estimated and may not be available from every company or in every state.

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