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Acura MDX Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing...

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UPDATED: Apr 30, 2020

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Acura MDX insurance

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.

Average auto insurance rates for an Acura MDX are $1,468 annually with full coverage. Comprehensive costs around $376 each year, collision insurance costs $562, and liability coverage is $372. A liability-only policy costs around $438 a year, and high-risk insurance costs around $3,142. 16-year-old drivers receive the highest rates at up to $5,278 a year.

Average premium for full coverage: $1,468

Rate estimates for individual coverage type:

Comprehensive $376
Collision $562
Liability $372

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 $438 for just liability coverage to a high rate of $3,142 for coverage for higher-risk drivers.

Liability Only $438
Full Coverage $1,468
High Risk $3,142

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 $1,101
Small Cities $1,541
Large Cities $1,982

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 $851
  • Raising to $1,000 deductibles will save about $212 annually
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,468
  • Buying low deductibles will cost $1,880
  • Unlucky drivers with multiple tickets or accidents could pay at least $3,142
  • The cost with full coverage for a teenage driver can be $5,278

View Chart as Image

Acura MDX insurance cost comparison chart
Column chart showing Acura MDX insurance rates range from $851 to $5,278 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 $1,400 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 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $630 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 $335 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 $1,060 a year in states like New Hampshire, Ohio, and Utah, or at least $1,990 on average in Florida, Michigan, and New York.

Acura MDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,328 -$140 -9.5%
Alaska $1,128 -$340 -23.2%
Arizona $1,220 -$248 -16.9%
Arkansas $1,468 -$0 0.0%
California $1,676 $208 14.2%
Colorado $1,406 -$62 -4.2%
Connecticut $1,510 $42 2.9%
Delaware $1,664 $196 13.4%
Florida $1,840 $372 25.3%
Georgia $1,358 -$110 -7.5%
Hawaii $1,056 -$412 -28.1%
Idaho $994 -$474 -32.3%
Illinois $1,096 -$372 -25.3%
Indiana $1,106 -$362 -24.7%
Iowa $992 -$476 -32.4%
Kansas $1,398 -$70 -4.8%
Kentucky $2,006 $538 36.6%
Louisiana $2,178 $710 48.4%
Maine $908 -$560 -38.1%
Maryland $1,212 -$256 -17.4%
Massachusetts $1,176 -$292 -19.9%
Michigan $2,554 $1,086 74.0%
Minnesota $1,232 -$236 -16.1%
Mississippi $1,760 $292 19.9%
Missouri $1,304 -$164 -11.2%
Montana $1,578 $110 7.5%
Nebraska $1,160 -$308 -21.0%
Nevada $1,762 $294 20.0%
New Hampshire $1,060 -$408 -27.8%
New Jersey $1,642 $174 11.9%
New Mexico $1,302 -$166 -11.3%
New York $1,548 $80 5.4%
North Carolina $846 -$622 -42.4%
North Dakota $1,202 -$266 -18.1%
Ohio $1,014 -$454 -30.9%
Oklahoma $1,510 $42 2.9%
Oregon $1,346 -$122 -8.3%
Pennsylvania $1,402 -$66 -4.5%
Rhode Island $1,960 $492 33.5%
South Carolina $1,332 -$136 -9.3%
South Dakota $1,240 -$228 -15.5%
Tennessee $1,288 -$180 -12.3%
Texas $1,772 $304 20.7%
Utah $1,088 -$380 -25.9%
Vermont $1,006 -$462 -31.5%
Virginia $882 -$586 -39.9%
Washington $1,136 -$332 -22.6%
West Virginia $1,348 -$120 -8.2%
Wisconsin $1,018 -$450 -30.7%
Wyoming $1,312 -$156 -10.6%

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 Trim Annual Premium Monthly Premium
Acura MDX 4WD $1,424 $119
Acura MDX with Tech Package 4WD $1,468 $122
Acura MDX with Tech/Entertainment 4WD $1,468 $122
Acura MDX Advance 4WD $1,514 $126
Acura MDX Advance/Entertainment 4WD $1,514 $126

Rates assume 2020 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 Year Comprehensive Collision Liability Total Premium
2020 Acura MDX $376 $562 $372 $1,468
2019 Acura MDX $358 $542 $390 $1,448
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 $180 per year just by quoting online in advance
  • Drivers with multiple at-fault accidents may pay on average $1,670 more every year for auto insurance
  • Increasing deductibles could save up to $625 each year
  • Teenage drivers pay higher rates, with premiums as much as $440 per month including comprehensive and collision insurance

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

  1. https://www.iihs.org/ratings/vehicle/acura/mdx-4-door-suv/2020

Rates by Driver Age

Acura MDX Insurance Rates by Driver Age
Driver Age Premium
16 $5,278
20 $3,330
30 $1,542
40 $1,468
50 $1,338
60 $1,310

Full coverage, $500 deductibles

Rates by Deductible

Acura MDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,880
$250 $1,690
$500 $1,468
$1,000 $1,256

Full coverage, driver age 40

Rates by Liability Limit

Acura MDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,468
50/100 $1,588
100/300 $1,681
250/500 $1,923
100 CSL $1,626
300 CSL $1,830
500 CSL $1,979

Full coverage, driver age 40

Rates for High Risk Drivers

Acura MDX Insurance Rates for High Risk Drivers
Age Premium
16 $7,538
20 $5,282
30 $3,218
40 $3,142
50 $2,990
60 $2,960

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 $196

Potential Rate Discounts

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

Discount Savings
Multi-policy $79
Multi-vehicle $73
Homeowner $21
5-yr Accident Free $107
5-yr Claim Free $94
Paid in Full/EFT $67
Advance Quote $71
Online Quote $105
Total Discounts $617
Rate after discounts $851

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

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