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.

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

Average premium for full coverage: $1,436

Rate estimates broken down by individual coverage type:

Comprehensive $344
Collision $536
Liability $398

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and MDX models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as cheap as $460 for minimum levels of liability insurance to a high rate of $3,084 for a driver who requires high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations tend to have fewer collision claims than congested cities.

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

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

These examples demonstrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on 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.

Additional Rate Details

The chart below details estimated Acura MDX insurance rates for other coverage scenarios.

  • The best full coverage rate is $832
  • Raising to $1,000 deductibles will save approximately $200 annually
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,436
  • Buying low deductibles will cost $1,822
  • Drivers with multiple tickets or accidents could pay up to $3,084 or more
  • The cost with full coverage for a 16-year-old driver can cost as much as $5,252

View Chart as Image

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

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $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 $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 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 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

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

Acura MDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,300 -$136 -9.5%
Alaska $1,104 -$332 -23.1%
Arizona $1,194 -$242 -16.9%
Arkansas $1,436 -$0 0.0%
California $1,638 $202 14.1%
Colorado $1,372 -$64 -4.5%
Connecticut $1,480 $44 3.1%
Delaware $1,628 $192 13.4%
Florida $1,798 $362 25.2%
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 $526 36.6%
Louisiana $2,128 $692 48.2%
Maine $888 -$548 -38.2%
Maryland $1,184 -$252 -17.5%
Massachusetts $1,150 -$286 -19.9%
Michigan $2,498 $1,062 74.0%
Minnesota $1,204 -$232 -16.2%
Mississippi $1,722 $286 19.9%
Missouri $1,276 -$160 -11.1%
Montana $1,544 $108 7.5%
Nebraska $1,134 -$302 -21.0%
Nevada $1,724 $288 20.1%
New Hampshire $1,036 -$400 -27.9%
New Jersey $1,608 $172 12.0%
New Mexico $1,274 -$162 -11.3%
New York $1,514 $78 5.4%
North Carolina $828 -$608 -42.3%
North Dakota $1,178 -$258 -18.0%
Ohio $994 -$442 -30.8%
Oklahoma $1,478 $42 2.9%
Oregon $1,318 -$118 -8.2%
Pennsylvania $1,372 -$64 -4.5%
Rhode Island $1,920 $484 33.7%
South Carolina $1,304 -$132 -9.2%
South Dakota $1,212 -$224 -15.6%
Tennessee $1,260 -$176 -12.3%
Texas $1,732 $296 20.6%
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

With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, and rates can be significantly different between companies.

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 $1,394 $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 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 $358 $542 $390 $1,448
2023 Acura MDX $344 $536 $398 $1,436
2022 Acura MDX $332 $524 $416 $1,430
2021 Acura MDX $320 $502 $430 $1,410
2020 Acura MDX $304 $484 $442 $1,388
2019 Acura MDX $292 $450 $452 $1,352
2018 Acura MDX $280 $424 $456 $1,318
2017 Acura MDX $268 $380 $460 $1,266
2016 Acura MDX $250 $350 $460 $1,218
2015 Acura MDX $242 $328 $464 $1,192
2014 Acura MDX $236 $306 $474 $1,174
2013 Acura MDX $218 $284 $474 $1,134
2012 Acura MDX $212 $258 $478 $1,106
2011 Acura MDX $198 $236 $474 $1,066
2010 Acura MDX $186 $214 $474 $1,032
2009 Acura MDX $180 $192 $468 $998
2008 Acura MDX $178 $188 $460 $984
2007 Acura MDX $176 $178 $452 $964
2006 Acura MDX $160 $170 $446 $934
2005 Acura MDX $154 $162 $442 $916

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 Affordable Acura MDX Insurance

Saving money on insurance for an Acura MDX consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a brief review of the concepts that were covered above.

  • Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,650 more annually than a driver with a clean driving record
  • 16 to 18-year-old drivers are expensive to insure, with premiums as much as $438 per month if they have full coverage
  • You may be able to save approximately $170 per year simply by quoting online in advance
  • Increasing deductibles could save up to $575 each year
  • You may be able to save approximately $170 per year simply by quoting online in advance

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 $5,252
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
Deductible Premium
$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 Limit Premium
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
Age Premium
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.

Discount Savings
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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