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Acura MDX Insurance Rates

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Acura MDX insurance

Average auto insurance rates for an Acura MDX are $1,436 annually with full coverage. Comprehensive costs around $344 each year, collision insurance costs $536, and liability coverage is $398. A liability-only policy costs around $460 a year, and high-risk insurance costs around $3,084. 16-year-old drivers receive the highest rates at up to $5,252 a year.

Average premium for full coverage: $1,436

Rate estimates for individual coverage type:

Comprehensive $344
Collision $536
Liability $398

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and MDX models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from as cheap as $460 for just liability coverage to a high rate of $3,084 for coverage for higher-risk drivers.

Liability Only $460
Full Coverage $1,436
High Risk $3,084

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities. The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,077
Small Cities $1,508
Large Cities $1,939

These examples demonstrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, 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.

Detailed Rate Analysis

The chart below details average Acura MDX insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $832
  • Raising to $1,000 deductibles will save about $200 annually
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,436
  • Buying low deductibles will cost $1,822
  • Unlucky drivers with multiple tickets or accidents could pay at least $3,084
  • The cost with full coverage for a teenage driver can be $5,252

View Chart as Image

Acura MDX insurance cost comparison chart
Column chart showing Acura MDX insurance rates range from $832 to $5,252 for full coverage

Insurance rates for an Acura MDX can also vary considerably based on the trim level of your MDX, your driving record, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $590 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Acura MDX insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or at least $1,940 on average in Florida, Michigan, and New York.

Acura MDX Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,300-$136-9.5%
Alaska$1,104-$332-23.1%
Arizona$1,194-$242-16.9%
Arkansas$1,436-$00.0%
California$1,638$20214.1%
Colorado$1,372-$64-4.5%
Connecticut$1,480$443.1%
Delaware$1,628$19213.4%
Florida$1,798$36225.2%
Georgia$1,328-$108-7.5%
Hawaii$1,034-$402-28.0%
Idaho$974-$462-32.2%
Illinois$1,072-$364-25.3%
Indiana$1,082-$354-24.7%
Iowa$970-$466-32.5%
Kansas$1,366-$70-4.9%
Kentucky$1,962$52636.6%
Louisiana$2,128$69248.2%
Maine$888-$548-38.2%
Maryland$1,184-$252-17.5%
Massachusetts$1,150-$286-19.9%
Michigan$2,498$1,06274.0%
Minnesota$1,204-$232-16.2%
Mississippi$1,722$28619.9%
Missouri$1,276-$160-11.1%
Montana$1,544$1087.5%
Nebraska$1,134-$302-21.0%
Nevada$1,724$28820.1%
New Hampshire$1,036-$400-27.9%
New Jersey$1,608$17212.0%
New Mexico$1,274-$162-11.3%
New York$1,514$785.4%
North Carolina$828-$608-42.3%
North Dakota$1,178-$258-18.0%
Ohio$994-$442-30.8%
Oklahoma$1,478$422.9%
Oregon$1,318-$118-8.2%
Pennsylvania$1,372-$64-4.5%
Rhode Island$1,920$48433.7%
South Carolina$1,304-$132-9.2%
South Dakota$1,212-$224-15.6%
Tennessee$1,260-$176-12.3%
Texas$1,732$29620.6%
Utah$1,064-$372-25.9%
Vermont$984-$452-31.5%
Virginia$860-$576-40.1%
Washington$1,112-$324-22.6%
West Virginia$1,318-$118-8.2%
Wisconsin$996-$440-30.6%
Wyoming$1,280-$156-10.9%

View Chart as Image

Acura MDX insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Acura MDX Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Acura MDX 4WD$1,394$116
Acura MDX with Tech Package 4WD$1,436$120
Acura MDX with Tech/Entertainment 4WD$1,436$120
Acura MDX Advance 4WD$1,478$123
Acura MDX Advance/Entertainment 4WD$1,478$123

Rates assume 2018 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 MDX Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2018 Acura MDX$344$536$398$1,436
2017 Acura MDX$332$524$416$1,430
2016 Acura MDX$320$502$430$1,410
2015 Acura MDX$304$484$442$1,388
2014 Acura MDX$292$450$452$1,352
2013 Acura MDX$280$424$456$1,318
2012 Acura MDX$268$380$460$1,266
2011 Acura MDX$250$350$460$1,218
2010 Acura MDX$242$328$464$1,192
2009 Acura MDX$236$306$474$1,174
2008 Acura MDX$218$284$474$1,134
2007 Acura MDX$212$258$478$1,106
2006 Acura MDX$198$236$474$1,066
2005 Acura MDX$186$214$474$1,032
2004 Acura MDX$180$192$468$998
2003 Acura MDX$178$188$460$984
2002 Acura MDX$176$178$452$964
2001 Acura MDX$160$170$446$934

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 Buy Cheaper Acura MDX Insurance

Saving money on auto insurance consists of being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Make time to compare rates at least once a year by quoting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save up to $170 per year just by quoting online in advance
  • Drivers with multiple at-fault accidents may pay on average $1,650 more every year for auto insurance
  • Increasing deductibles could save up to $575 each year
  • Teenage drivers pay higher rates, with premiums as much as $438 per month including comprehensive and collision insurance

Rates by Driver Age

Acura MDX Insurance Rates by Driver Age
Driver AgePremium
16$5,252
20$3,276
30$1,504
40$1,436
50$1,312
60$1,284

Full coverage, $500 deductibles

Rates by Deductible

Acura MDX Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,822
$250$1,646
$500$1,436
$1,000$1,236

Full coverage, driver age 40

Rates by Liability Limit

Acura MDX Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,436
50/100$1,558
100/300$1,657
250/500$1,916
100 CSL$1,597
300 CSL$1,816
500 CSL$1,976

Full coverage, driver age 40

Rates for High Risk Drivers

Acura MDX Insurance Rates for High Risk Drivers
AgePremium
16$7,494
20$5,202
30$3,156
40$3,084
50$2,938
60$2,912

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 $195

Potential Rate Discounts

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

DiscountSavings
Multi-policy$77
Multi-vehicle$73
Homeowner$21
5-yr Accident Free$104
5-yr Claim Free$92
Paid in Full/EFT$65
Advance Quote$70
Online Quote$102
Total Discounts$604
Rate after discounts $832

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

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