Acura MDX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 26, 2024

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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.

Estimated insurance rates for an Acura MDX are $1,448 a year for full coverage. Comprehensive insurance costs on average $358 each year, collision costs $542, and liability insurance is estimated at $390. A policy with only liability insurance costs approximately $452 a year, with a high-risk policy costing $3,098 or more. Teenage drivers pay the most at $5,248 a year or more.

Average premium for full coverage: $1,448

Premium estimates by type of coverage:

Comprehensive $358
Collision $542
Liability $390

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and MDX models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for an Acura MDX go from the low end price of $452 for just liability coverage to a high rate of $3,098 for a driver that may need high-risk insurance.

Liability Only $452
Full Coverage $1,448
High Risk $3,098

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how where you live affects car insurance rates.

Rural Areas $1,086
Small Cities $1,520
Large Cities $1,955

These rate differences show why all drivers should get quotes based on a specific location, rather than relying on average rates.

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 shows estimated Acura MDX insurance rates for different risk profiles and scenarios.

  • The best discount rate is $841
  • Choosing higher $1,000 deductibles can save around $206 a year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,448
  • Using low deductibles for comp and collision coverage will cost an additional $392 a year
  • High-risk insureds who are prone to accidents and violations could pay upwards of $3,098 or more
  • An auto insurance policy that insures a teen driver may cost $5,248 each year

View Chart as Image

Acura MDX insurance cost comparison chart
Column chart showing full coverage Acura MDX insurance prices range from $841 to $5,248

Car insurance prices for an Acura MDX also have a wide range based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,200 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Acura MDX insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,070 on average in Michigan, Louisiana, and New York.

Acura MDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,308 -$140 -9.7%
Alaska $1,110 -$338 -23.3%
Arizona $1,202 -$246 -17.0%
Arkansas $1,448 -$0 0.0%
California $1,650 $202 14.0%
Colorado $1,382 -$66 -4.6%
Connecticut $1,488 $40 2.8%
Delaware $1,640 $192 13.3%
Florida $1,812 $364 25.1%
Georgia $1,338 -$110 -7.6%
Hawaii $1,040 -$408 -28.2%
Idaho $980 -$468 -32.3%
Illinois $1,080 -$368 -25.4%
Indiana $1,090 -$358 -24.7%
Iowa $978 -$470 -32.5%
Kansas $1,376 -$72 -5.0%
Kentucky $1,976 $528 36.5%
Louisiana $2,146 $698 48.2%
Maine $894 -$554 -38.3%
Maryland $1,194 -$254 -17.5%
Massachusetts $1,158 -$290 -20.0%
Michigan $2,518 $1,070 73.9%
Minnesota $1,210 -$238 -16.4%
Mississippi $1,734 $286 19.8%
Missouri $1,284 -$164 -11.3%
Montana $1,556 $108 7.5%
Nebraska $1,142 -$306 -21.1%
Nevada $1,736 $288 19.9%
New Hampshire $1,042 -$406 -28.0%
New Jersey $1,618 $170 11.7%
New Mexico $1,284 -$164 -11.3%
New York $1,526 $78 5.4%
North Carolina $834 -$614 -42.4%
North Dakota $1,186 -$262 -18.1%
Ohio $1,002 -$446 -30.8%
Oklahoma $1,488 $40 2.8%
Oregon $1,326 -$122 -8.4%
Pennsylvania $1,382 -$66 -4.6%
Rhode Island $1,932 $484 33.4%
South Carolina $1,314 -$134 -9.3%
South Dakota $1,220 -$228 -15.7%
Tennessee $1,270 -$178 -12.3%
Texas $1,746 $298 20.6%
Utah $1,072 -$376 -26.0%
Vermont $992 -$456 -31.5%
Virginia $868 -$580 -40.1%
Washington $1,120 -$328 -22.7%
West Virginia $1,328 -$120 -8.3%
Wisconsin $1,002 -$446 -30.8%
Wyoming $1,292 -$156 -10.8%

View Chart as Image

Acura MDX insurance rates by U.S. city

Using high physical damage deductibles can save as much as $600 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different.

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 $1,406 $117
Acura MDX with Tech Package 4WD $1,448 $121
Acura MDX with Tech/Entertainment 4WD $1,448 $121
Acura MDX Advance 4WD $1,490 $124
Acura MDX Advance/Entertainment 4WD $1,490 $124

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.

Acura MDX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Acura MDX $376 $562 $372 $1,468
2023 Acura MDX $358 $542 $390 $1,448
2022 Acura MDX $344 $536 $398 $1,436
2021 Acura MDX $332 $524 $416 $1,430
2020 Acura MDX $320 $502 $430 $1,410
2019 Acura MDX $304 $484 $442 $1,388
2018 Acura MDX $292 $450 $452 $1,352
2017 Acura MDX $280 $424 $456 $1,318
2016 Acura MDX $268 $380 $460 $1,266
2015 Acura MDX $250 $350 $460 $1,218
2014 Acura MDX $242 $328 $464 $1,192
2013 Acura MDX $236 $306 $474 $1,174
2012 Acura MDX $218 $284 $474 $1,134
2011 Acura MDX $212 $258 $478 $1,106
2010 Acura MDX $198 $236 $474 $1,066
2009 Acura MDX $186 $214 $474 $1,032
2008 Acura MDX $180 $192 $468 $998
2007 Acura MDX $178 $188 $460 $984
2006 Acura MDX $176 $178 $452 $964
2005 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 Find the Right Acura MDX Insurance

Finding better rates on Acura MDX insurance takes avoiding accidents and claims, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare prices once a year by getting quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a quick rundown of the data that was touched on in the above illustrations.

  • Drivers can save as much as $170 per year simply by quoting online in advance
  • Drivers who require increased liability limits will pay an extra $430 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • Drivers under the age of 20 are expensive to insure, as much as $437 per month if full coverage is purchased
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,650 more each year to insure an Acura MDX

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 $5,248
20 $3,286
30 $1,514
40 $1,448
50 $1,320
60 $1,292

Full coverage, $500 deductibles

Rates by Deductible

Acura MDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,840
$250 $1,660
$500 $1,448
$1,000 $1,242

Full coverage, driver age 40

Rates by Liability Limit

Acura MDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,448
50/100 $1,568
100/300 $1,666
250/500 $1,919
100 CSL $1,607
300 CSL $1,822
500 CSL $1,978

Full coverage, driver age 40

Rates for High Risk Drivers

Acura MDX Insurance Rates for High Risk Drivers
Age Premium
16 $7,492
20 $5,218
30 $3,172
40 $3,098
50 $2,950
60 $2,922

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.

Discount Savings
Multi-policy $77
Multi-vehicle $73
Homeowner $21
5-yr Accident Free $105
5-yr Claim Free $92
Paid in Full/EFT $66
Advance Quote $70
Online Quote $103
Total Discounts $607
Rate after discounts $841

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

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