Acura ZDX Insurance Rates

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UPDATED: Jun 2, 2024

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Average auto insurance rates for an Acura ZDX are $1,152 annually including full coverage. Comprehensive insurance costs an estimated $220, collision costs $300, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing $2,478 or more. Teens receive the highest rates at $4,494 a year or more.

Average premium for full coverage: $1,152

Rate estimates broken down by individual coverage type:

Comprehensive $220
Collision $300
Liability $474

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different ZDX trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from as cheap as $522 for just the minimum liability insurance to a much higher rate of $2,478 for a policy for a high-risk driver.

Liability Only $522
Full Coverage $1,152
High Risk $2,478

Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts insurance prices.

Rural Areas $864
Small Cities $1,210
Large Cities $1,555

These examples highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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 Analysis

The chart below breaks down estimated Acura ZDX insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $688
  • Choosing higher $1,000 deductibles can save approximately $118 every year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,152
  • Selecting more expensive low deductibles for comp and collision coverage costs an additional $228 every year
  • Unlucky drivers with serious driving violations could pay up to $2,478 or more
  • The cost with full coverage for a teen driver with full coverage can cost as much as $4,494 each year

View Chart as Image

Acura ZDX insurance cost comparison chart
Column chart showing full coverage Acura ZDX insurance prices range from $688 to $4,494

Auto insurance rates for an Acura ZDX can also vary considerably based on the trim level of your ZDX, your driving characteristics, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance ranges as much as 42% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Acura ZDX insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,650 on average in Louisiana, New York, and Michigan.

Acura ZDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,042 -$110 -9.5%
Alaska $882 -$270 -23.4%
Arizona $956 -$196 -17.0%
Arkansas $1,152 -$0 0.0%
California $1,312 $160 13.9%
Colorado $1,102 -$50 -4.3%
Connecticut $1,186 $34 3.0%
Delaware $1,304 $152 13.2%
Florida $1,442 $290 25.2%
Georgia $1,064 -$88 -7.6%
Hawaii $828 -$324 -28.1%
Idaho $780 -$372 -32.3%
Illinois $858 -$294 -25.5%
Indiana $866 -$286 -24.8%
Iowa $778 -$374 -32.5%
Kansas $1,096 -$56 -4.9%
Kentucky $1,572 $420 36.5%
Louisiana $1,706 $554 48.1%
Maine $712 -$440 -38.2%
Maryland $950 -$202 -17.5%
Massachusetts $922 -$230 -20.0%
Michigan $2,002 $850 73.8%
Minnesota $964 -$188 -16.3%
Mississippi $1,380 $228 19.8%
Missouri $1,024 -$128 -11.1%
Montana $1,238 $86 7.5%
Nebraska $910 -$242 -21.0%
Nevada $1,382 $230 20.0%
New Hampshire $828 -$324 -28.1%
New Jersey $1,288 $136 11.8%
New Mexico $1,020 -$132 -11.5%
New York $1,214 $62 5.4%
North Carolina $664 -$488 -42.4%
North Dakota $944 -$208 -18.1%
Ohio $796 -$356 -30.9%
Oklahoma $1,184 $32 2.8%
Oregon $1,056 -$96 -8.3%
Pennsylvania $1,100 -$52 -4.5%
Rhode Island $1,538 $386 33.5%
South Carolina $1,044 -$108 -9.4%
South Dakota $974 -$178 -15.5%
Tennessee $1,010 -$142 -12.3%
Texas $1,390 $238 20.7%
Utah $852 -$300 -26.0%
Vermont $790 -$362 -31.4%
Virginia $690 -$462 -40.1%
Washington $892 -$260 -22.6%
West Virginia $1,056 -$96 -8.3%
Wisconsin $798 -$354 -30.7%
Wyoming $1,028 -$124 -10.8%

View Chart as Image

Acura ZDX insurance rates by U.S. city

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates can be significantly 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 $1,132 $94
Acura ZDX AWD $1,132 $94
Acura ZDX Advance Package AWD $1,174 $98

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 $242 $362 $474 $1,236
2012 Acura ZDX $236 $328 $478 $1,200
2011 Acura ZDX $220 $300 $474 $1,152
2010 Acura ZDX $208 $272 $474 $1,112

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 Affordable Acura ZDX Insurance

Saving money on car insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The points below are a brief review of the coverage data touched on above.

  • You may be able to save approximately $130 per year simply by shopping early and online
  • Increasing deductibles could save up to $350 each year
  • Drivers under the age of 20 are the costliest to insure, as much as $375 per month if full coverage is included
  • Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,330 more annually to insure an Acura ZDX

Rates by Driver Age

Acura ZDX Insurance Rates by Driver Age
Driver Age Premium
16 $4,494
20 $2,624
30 $1,182
40 $1,152
50 $1,054
60 $1,032

Full coverage, $500 deductibles

Rates by Deductible

Acura ZDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,380
$250 $1,276
$500 $1,152
$1,000 $1,034

Full coverage, driver age 40

Rates by Liability Limit

Acura ZDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,152
50/100 $1,269
100/300 $1,387
250/500 $1,695
100 CSL $1,316
300 CSL $1,577
500 CSL $1,767

Full coverage, driver age 40

Rates for High Risk Drivers

Acura ZDX Insurance Rates for High Risk Drivers
Age Premium
16 $6,360
20 $4,184
30 $2,510
40 $2,478
50 $2,368
60 $2,342

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $52
Online Quote $80
Total Discounts $464
Rate after discounts $688

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

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