Acura RDX Insurance Rates

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UPDATED: Apr 22, 2024

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Acura RDX insurance

How much does an Acura RDX cost to insure? On average, Acura RDX insurance cost for full coverage average $1,292 a year, or $107 a month. Our guide breaks down Acura RDX car insurance so drivers can easily find savings. Learn more.

Enter your ZIP code in our free tool to get started on comparing Acura RDX insurance rates and find out how much is an Acura RDX to insure.

The average insurance prices for an Acura RDX are $1,038 every 12 months for full coverage. Comprehensive insurance costs approximately $198, collision costs $310, and liability is estimated at $394. Liability-only insurance costs approximately $440 a year, with high-risk driver insurance costing $2,238 or more. 16-year-old drivers cost the most to insure at $4,010 a year or more.

Average premium for full coverage: $1,038

Policy rates by type of insurance:

Comprehensive $198
Collision $310
Liability $394

Includes $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different RDX trim levels.

Price Range Variability

For a driver in their 40's, Acura RDX insurance rates go from the cheapest price of $440 for a discount liability-only rate to a much higher rate of $2,238 for a high-risk insurance policy.

Liability Only $440
Full Coverage $1,038
High Risk $2,238

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities.

The price range example below illustrates how location helps determine auto insurance prices.

Rural Areas $779
Small Cities $1,090
Large Cities $1,401

The examples above show why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of 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.

Rates by State, City, and Model

The chart below shows estimated Acura RDX insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $613
  • Choosing higher $1,000 deductibles can save $116 a year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,038
  • Buying more expensive low deductibles for comp and collision coverage costs an extra $222 every year
  • Unlucky drivers with multiple tickets or accidents could pay around $2,238 or more
  • Policy cost to insure a teen driver with full coverage can cost $4,010 each year

View Chart as Image

Acura RDX insurance cost comparison chart
Column chart showing full coverage Acura RDX insurance prices range from $613 to $4,010

Auto insurance rates for an Acura RDX also range considerably based on liability limits and deductibles, your driver profile, and the model of your RDX.

Opting for high physical damage deductibles can save as much as $340 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $354 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 in extra premium every year, depending on your age. High-risk driver insurance ranges as much as 42% to 128% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Acura RDX insurance prices. A good driver about age 40 could pay as low as $690 a year in states like Iowa, Maine, and Idaho, or at least $1,480 on average in New York, Louisiana, and Michigan.

Acura RDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $938 -$100 -9.6%
Alaska $794 -$244 -23.5%
Arizona $860 -$178 -17.1%
Arkansas $1,038 -$0 0.0%
California $1,182 $144 13.9%
Colorado $990 -$48 -4.6%
Connecticut $1,066 $28 2.7%
Delaware $1,172 $134 12.9%
Florida $1,296 $258 24.9%
Georgia $958 -$80 -7.7%
Hawaii $746 -$292 -28.1%
Idaho $704 -$334 -32.2%
Illinois $772 -$266 -25.6%
Indiana $784 -$254 -24.5%
Iowa $698 -$340 -32.8%
Kansas $984 -$54 -5.2%
Kentucky $1,414 $376 36.2%
Louisiana $1,536 $498 48.0%
Maine $640 -$398 -38.3%
Maryland $858 -$180 -17.3%
Massachusetts $828 -$210 -20.2%
Michigan $1,800 $762 73.4%
Minnesota $868 -$170 -16.4%
Mississippi $1,242 $204 19.7%
Missouri $920 -$118 -11.4%
Montana $1,112 $74 7.1%
Nebraska $816 -$222 -21.4%
Nevada $1,244 $206 19.8%
New Hampshire $746 -$292 -28.1%
New Jersey $1,160 $122 11.8%
New Mexico $918 -$120 -11.6%
New York $1,092 $54 5.2%
North Carolina $598 -$440 -42.4%
North Dakota $852 -$186 -17.9%
Ohio $714 -$324 -31.2%
Oklahoma $1,064 $26 2.5%
Oregon $952 -$86 -8.3%
Pennsylvania $986 -$52 -5.0%
Rhode Island $1,382 $344 33.1%
South Carolina $942 -$96 -9.2%
South Dakota $876 -$162 -15.6%
Tennessee $908 -$130 -12.5%
Texas $1,250 $212 20.4%
Utah $766 -$272 -26.2%
Vermont $710 -$328 -31.6%
Virginia $620 -$418 -40.3%
Washington $798 -$240 -23.1%
West Virginia $952 -$86 -8.3%
Wisconsin $718 -$320 -30.8%
Wyoming $924 -$114 -11.0%

View Chart as Image

Acura RDX insurance rates by U.S. city

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Acura RDX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Acura RDX 2WD $1,012 $84
Acura RDX AWD $1,012 $84
Acura RDX Technology Package 2WD $1,064 $89
Acura RDX Technology Package AWD $1,064 $89

Rates assume 2015 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 RDX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Acura RDX $294 $512 $332 $1,274
2023 Acura RDX $282 $506 $338 $1,262
2022 Acura RDX $272 $494 $354 $1,256
2021 Acura RDX $262 $474 $364 $1,236
2020 Acura RDX $248 $458 $376 $1,218
2019 Acura RDX $238 $424 $384 $1,182
2018 Acura RDX $230 $400 $388 $1,154
2017 Acura RDX $220 $358 $390 $1,104
2016 Acura RDX $206 $330 $390 $1,062
2015 Acura RDX $198 $310 $394 $1,038
2014 Acura RDX $194 $288 $402 $1,020
2013 Acura RDX $180 $268 $402 $986
2011 Acura RDX $162 $222 $402 $922
2010 Acura RDX $152 $202 $402 $892
2008 Acura RDX $146 $178 $390 $850
2007 Acura RDX $144 $168 $384 $832

Rates are averaged for all Acura RDX 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 Cheapest Acura RDX Insurance

Finding cheaper rates on car insurance takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates at least every other year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a recap of the car insurance concepts covered in the charts and tables above.

  • Higher risk drivers that have major violations or accidents may pay on average $1,200 more per year to buy Acura RDX insurance
  • Drivers can save around $120 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save as much as $350 each year
  • Policyholders who purchase increased levels of liability coverage will pay around $430 each year to raise limits from a 30/60 limit to a 250/500 level

Frequently Asked Questions

  • Is the Acura RDX expensive to insure? The estimated price for the average middle-age driver who has $500 deductibles is $1,292.
  • How much does it cost to fill up an Acura RDX? According to FuelEconomy.gov the Annual Acura RDX Fuel Cost is $1,750.
  • Is the 2020 Acura RDX a good car? It’s an all around good car in the luxury compact SUV category.
  • What is the Acura RDX cost of ownership? According to RepairPal.com, “Cost. The average total annual cost for repairs and maintenance on a Acura RDX is $497, compared to an average of $859 for luxury compact SUVs and $652 for all vehicle models.” Plus your insurance cost and any loan you may have on your Acura RDX.
  • What is the Acura RDX depreciation? According to CarEdge.com, “On average, expect to pay only 53% of the original cost with 67% of the vehicle’s lifetime remaining for a 2016 RDX.”
  • What are the Acura RDX maintenance cost? See above from RepairPal
  • Are Acura RDX expensive to maintain? Not more than other vehicles in its category.

To find the cheapest Acura insurance, make sure to compare rates. Doing so will allow you to compare multiple models, such as 2020 Acura costs, 2018 RDX costs, or the 2019 Acura RDX cost to own and insurance prices.

So if you are ready to find out the cost of Acura RDX 2016 insurance or Acura RDX 2013 cost of insurance, enter your ZIP code in our free tool below.

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What are the Acura RDX safety ratings?

The Acura RDX cost to own can be cheaper if there are multiple safety features and good safety ratings, as insurers will offer discounts. The Acura RDX has some great safety features, such as vehicle stability assist, brake assist, automatic brake hold, and more.

The Insurance Institute for Highway Safety (IIHS) has also crash-tested the Acura RDX and awarded it a 2020 Top Safety Pick award.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Watch the video below for an example of one of the Acura RDX’s crash tests.

Acura RDX Compared Against Other Vehicles in the Same Class

The Acura RDX is a midsize luxury SUV, which can affect it’s liability rates. The IIHS recorded the liability losses for property damage as better than average and the bodily injury losses as substantially better than average.

Curious to see how other midsize SUV’s rates compare to the Audi RDX or want to know what the least expensive Acura is? Check out the midsize luxury SUVs below.

Ready to start shopping to find out everything from are Acura RDX expensive to maintain insurance to Acura RDS 2105 deals on insurance and 2016 RDX prices paid for insurance? Enter your ZIP code in our free tool below for help finding Acura RDX insurance rates.

References

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

Rates by Driver Age

Acura RDX Insurance Rates by Driver Age
Driver Age Premium
16 $4,010
20 $2,378
30 $1,070
40 $1,038
50 $952
60 $934

Full coverage, $500 deductibles

Rates by Deductible

Acura RDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,260
$250 $1,158
$500 $1,038
$1,000 $922

Full coverage, driver age 40

Rates by Liability Limit

Acura RDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,038
50/100 $1,143
100/300 $1,241
250/500 $1,497
100 CSL $1,182
300 CSL $1,399
500 CSL $1,557

Full coverage, driver age 40

Rates for High Risk Drivers

Acura RDX Insurance Rates for High Risk Drivers
Age Premium
16 $5,688
20 $3,788
30 $2,272
40 $2,238
50 $2,134
60 $2,114

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 $142

Potential Rate Discounts

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

Discount Savings
Multi-policy $54
Multi-vehicle $55
Homeowner $17
5-yr Accident Free $70
5-yr Claim Free $66
Paid in Full/EFT $43
Advance Quote $48
Online Quote $72
Total Discounts $425
Rate after discounts $613

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

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