Acura MDX Insurance Rates
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UPDATED: Apr 26, 2024
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Are Acura MDX expensive to insure in comparison to other vehicles? Average Acura MDX car insurance costs $1,468 a year, or $122 a month. Learn more about Acura MDX insurance rates and how to save on Acura MDX costs in our guide.
To find out how much does an Acura MDX cost to insure in your area, enter your ZIP code in our free tool above.
U.S. average insurance prices for an Acura MDX are $1,430 every 12 months for full coverage. Comprehensive insurance costs around $332 each year, collision costs $524, and liability coverage costs $416. Liability-only insurance costs as little as $474 a year, with high-risk driver insurance costing $3,076 or more. Teens pay the highest rates at $5,266 a year or more.
Average premium for full coverage: $1,430
Price estimates for individual coverage:
Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and MDX models.
Price Range from Low to High
For a driver in their 40's, Acura MDX insurance prices go from the cheapest price of $474 for just liability insurance to a high rate of $3,076 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location has a large influence on auto insurance rates. Areas with sparse population have more infrequent accident claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine auto insurance rates.
The ranges above show why all drivers should compare rates for a specific zip code and their own driving history, rather than 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.
More Rate Details
The chart below shows estimated Acura MDX insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $830
- Drivers who choose higher $1,000 deductibles will pay about $196 a year
- The average price for the average middle-age driver using $500 deductibles is $1,430
- Selecting low deductibles for comprehensive and collision insurance costs an extra $374 each year
- High-risk insureds with serious driving violations could pay at least $3,076 or more
- The price to insure a teenage driver can be $5,266 a year
Car insurance prices for an Acura MDX are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $570 a year, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost around 44% to 133% more than the average policy. View High Risk Driver Rates
The state you live in makes a big difference in Acura MDX insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,040 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,294 | -$136 | -9.5% |
| Alaska | $1,098 | -$332 | -23.2% |
| Arizona | $1,188 | -$242 | -16.9% |
| Arkansas | $1,430 | -$0 | 0.0% |
| California | $1,630 | $200 | 14.0% |
| Colorado | $1,368 | -$62 | -4.3% |
| Connecticut | $1,472 | $42 | 2.9% |
| Delaware | $1,618 | $188 | 13.1% |
| Florida | $1,790 | $360 | 25.2% |
| Georgia | $1,322 | -$108 | -7.6% |
| Hawaii | $1,026 | -$404 | -28.3% |
| Idaho | $968 | -$462 | -32.3% |
| Illinois | $1,066 | -$364 | -25.5% |
| Indiana | $1,076 | -$354 | -24.8% |
| Iowa | $966 | -$464 | -32.4% |
| Kansas | $1,362 | -$68 | -4.8% |
| Kentucky | $1,952 | $522 | 36.5% |
| Louisiana | $2,118 | $688 | 48.1% |
| Maine | $882 | -$548 | -38.3% |
| Maryland | $1,180 | -$250 | -17.5% |
| Massachusetts | $1,144 | -$286 | -20.0% |
| Michigan | $2,486 | $1,056 | 73.8% |
| Minnesota | $1,196 | -$234 | -16.4% |
| Mississippi | $1,714 | $284 | 19.9% |
| Missouri | $1,270 | -$160 | -11.2% |
| Montana | $1,538 | $108 | 7.6% |
| Nebraska | $1,128 | -$302 | -21.1% |
| Nevada | $1,714 | $284 | 19.9% |
| New Hampshire | $1,032 | -$398 | -27.8% |
| New Jersey | $1,598 | $168 | 11.7% |
| New Mexico | $1,266 | -$164 | -11.5% |
| New York | $1,508 | $78 | 5.5% |
| North Carolina | $826 | -$604 | -42.2% |
| North Dakota | $1,170 | -$260 | -18.2% |
| Ohio | $990 | -$440 | -30.8% |
| Oklahoma | $1,470 | $40 | 2.8% |
| Oregon | $1,310 | -$120 | -8.4% |
| Pennsylvania | $1,366 | -$64 | -4.5% |
| Rhode Island | $1,908 | $478 | 33.4% |
| South Carolina | $1,296 | -$134 | -9.4% |
| South Dakota | $1,208 | -$222 | -15.5% |
| Tennessee | $1,254 | -$176 | -12.3% |
| Texas | $1,724 | $294 | 20.6% |
| Utah | $1,060 | -$370 | -25.9% |
| Vermont | $980 | -$450 | -31.5% |
| Virginia | $858 | -$572 | -40.0% |
| Washington | $1,106 | -$324 | -22.7% |
| West Virginia | $1,310 | -$120 | -8.4% |
| Wisconsin | $990 | -$440 | -30.8% |
| Wyoming | $1,274 | -$156 | -10.9% |
Since prices can be so different, the only way to know your exact price is to do a rate comparison and see how they stack up. Every company calculates prices differently, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura MDX 4WD | $1,388 | $116 |
| Acura MDX with Tech Package 4WD | $1,430 | $119 |
| Acura MDX with Tech/Entertainment 4WD | $1,430 | $119 |
| Acura MDX Advance 4WD | $1,470 | $123 |
| Acura MDX Advance/Entertainment 4WD | $1,470 | $123 |
Rates assume 2023 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 |
|---|---|---|---|---|
| 2024 Acura MDX | $344 | $536 | $398 | $1,436 |
| 2023 Acura MDX | $332 | $524 | $416 | $1,430 |
| 2022 Acura MDX | $320 | $502 | $430 | $1,410 |
| 2021 Acura MDX | $304 | $484 | $442 | $1,388 |
| 2020 Acura MDX | $292 | $450 | $452 | $1,352 |
| 2019 Acura MDX | $280 | $424 | $456 | $1,318 |
| 2018 Acura MDX | $268 | $380 | $460 | $1,266 |
| 2017 Acura MDX | $250 | $350 | $460 | $1,218 |
| 2016 Acura MDX | $242 | $328 | $464 | $1,192 |
| 2015 Acura MDX | $236 | $306 | $474 | $1,174 |
| 2014 Acura MDX | $218 | $284 | $474 | $1,134 |
| 2013 Acura MDX | $212 | $258 | $478 | $1,106 |
| 2012 Acura MDX | $198 | $236 | $474 | $1,066 |
| 2011 Acura MDX | $186 | $214 | $474 | $1,032 |
| 2010 Acura MDX | $180 | $192 | $468 | $998 |
| 2009 Acura MDX | $178 | $188 | $460 | $984 |
| 2008 Acura MDX | $176 | $178 | $452 | $964 |
| 2007 Acura MDX | $160 | $170 | $446 | $934 |
| 2006 Acura MDX | $154 | $162 | $442 | $916 |
Rates are averaged for all Acura MDX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Acura MDX Insurance
Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a brief recap of the ideas that were covered in the charts and tables above.
- Teenage drivers are the costliest to insure, with premiums as much as $439 a month if the policy includes full coverage
- Drivers who tend to receive serious violations may pay on average $1,650 more every year for auto insurance
- Increasing physical damage deductibles could save as much as $575 each year
- Drivers can save up to $170 per year simply by quoting online in advance
Whether you are looking to save on 2008 Acura MDX insurance costs or 2014/2015 Acura MDX costs, shopping around for rates is the best way to save on insurance.
If you are ready to save on the Acura MDX cost to own by reducing Acura insurance rates, enter your ZIP code in our free tool below to see how much is an Acura MDX to insure in your area.
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What are the safety ratings of the Acura MDX?
Is an Acura MDX reliable? If an Acura MDX’s safety ratings and features are poor, MDX average rates will be higher than average. Luckily, the Acura MDX has some great safety features, such as brake assist, traction control, lane departure warning, and lane-keeping assist.
The Insurance Institute for Highway Safety (IIHS) has also crash-tested the MDX, with good results.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
View the video below for an example of the IIHS’s crash testing on the MDX.
Acura MDX Compared Against Other Vehicles in the Same Class
The Acura MDX is a midsize, luxury SUV. The IIHS found that the Acura MDX’s property damage liability losses are average, and its bodily injury liability losses are substantially better than average. This is great, as it means the Acura MDX should have reasonable liability insurance rates.
To see how the Acura MDX’s rates compare to other midsize, luxury SUV rates, view the list below.
To find out how much does it cost to insure an Acura MDX in your area and find savings, enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,266 |
| 20 | $3,264 |
| 30 | $1,494 |
| 40 | $1,430 |
| 50 | $1,306 |
| 60 | $1,278 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,804 |
| $250 | $1,634 |
| $500 | $1,430 |
| $1,000 | $1,234 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,430 |
| 50/100 | $1,553 |
| 100/300 | $1,657 |
| 250/500 | $1,928 |
| 100 CSL | $1,595 |
| 300 CSL | $1,824 |
| 500 CSL | $1,990 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,510 |
| 20 | $5,190 |
| 30 | $3,144 |
| 40 | $3,076 |
| 50 | $2,932 |
| 60 | $2,904 |
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 | $76 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $102 |
| Total Discounts | $600 |
Discounts are estimated and may not be available from every company or in every state.
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