Acura MDX Insurance Rates

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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 $1,436 a year with full coverage. Comprehensive costs an estimated $344 a year, collision insurance costs $536, and liability costs $398. Liability-only insurance costs as little as $460 a year, and high-risk driver insurance costs around $3,084. Teens pay the most at up to $5,252 a year.

Average premium for full coverage: $1,436

Premium estimates broken down by type of coverage:

Comprehensive $344
Collision $536
Liability $398

Includes $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and MDX trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for an Acura MDX range from as low as $460 for a discount liability-only rate to a high of $3,084 for high-risk insurance.

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

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.

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

These rate differences demonstrate why it is important to compare rates for a targeted area and risk profile, instead of making a decision based on averaged prices.

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 details average Acura MDX insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $832
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,236 annually
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,436
  • Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,822
  • Drivers with serious driving violations could pay up to $3,084
  • An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $5,252 a year

View Chart as Image

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

Insurance prices for an Acura MDX also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Acura MDX insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or have to pay 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

Choosing higher comprehensive and collision insurance deductibles could save up to $590 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 132% more than the average policy. View High Risk Driver Rates

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 Find the Cheapest Acura MDX Insurance

Finding better rates on insurance for an Acura MDX not only requires having a good driving record, but also having a good credit history, being claim-free, and possibly raising deductibles. Make time to compare rates every couple of years by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a recap of the material that was touched on in this article.

  • Insureds who want increased levels of liability coverage will pay approximately $440 every year to go from 30/60 bodily injury limits to 250/500 limits
  • Drivers age 20 and younger are expensive to insure, possibly costing $438 per month including comprehensive and collision insurance
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,650 more annually to buy Acura MDX insurance
  • Increasing policy deductibles can save around $575 each year

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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