Acura RDX Insurance Rates

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 $1,020 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $194 each year, collision costs $288, and liability costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing $2,198 or more. Teenage drivers cost the most to insure at $3,956 a year or more.

Average premium for full coverage: $1,020

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and RDX models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location and their own driving history, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

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

• The best discount rate is $605
• Using higher $1,000 deductibles will save $110 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,020
• Using low deductibles for physical damage coverage costs an extra $210 every year
• Drivers who are prone to accidents and violations could pay around $2,198 or more
• Policy cost to insure a teen driver can cost $3,956 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $320 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Acura RDX insurance prices. A driver around age 40 might see rates as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,380 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Best Cheap Acura RDX Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a good credit score, being claim-free, and not having any coverage lapses. Set aside time to compare rates every time your policy renews by requesting quotes from direct insurance companies, and also from local insurance agencies.

The list below is a quick review of the information covered above.

• It is possible to save around $120 per year simply by quoting online in advance
• Teenagers have the highest car insurance rates, possibly costing $330 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,180 more per year for car insurance
• Policyholders who purchase higher liability limits will pay an extra $440 annually to increase 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.

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.

• Acura MDX Insurance Rates
• Audi Q5 Insurance Rates
• BMW X3 Insurance Rates

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