Acura MDX Insurance Rates
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UPDATED: Apr 26, 2024
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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 insurance rates for an Acura MDX are $1,448 a year for full coverage insurance. Comprehensive insurance costs an estimated $358 each year, collision costs $542, and liability insurance is estimated at $390. A liability-only policy costs approximately $452 a year, with high-risk insurance costing $3,098 or more. Teenage drivers receive the highest rates at $5,248 a year or more.
Average premium for full coverage: $1,448
Rate estimates broken down by individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and MDX models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $452 for just liability insurance to a high rate of $3,098 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates how geographic area affects insurance prices.
These examples illustrate why all drivers should get quotes for a targeted area and risk profile, 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.
More Rate Details
The chart below illustrates estimated Acura MDX insurance rates for other coverage scenarios.
- The best discount rate is $841
- Choosing higher $1,000 deductibles can save approximately $206 each year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,448
- Using low deductibles for comp and collision coverage will cost an extra $392 a year
- High-risk insureds who are prone to accidents and violations could pay up to $3,098 or more
- The cost for full coverage for a teen driver can cost as much as $5,248 each year
Insurance rates for an Acura MDX can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $5,200 a year. View Rates by Age
Where you live plays a big part in determining prices for Acura MDX insurance rates. A good driver about age 40 could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,960 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles can save as much as $600 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying $1,700 to $2,300 extra per year, 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
With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 More Affordable Acura MDX Insurance
Saving money on Acura MDX insurance takes being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at every other renewal by requesting rates from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.
Below you'll find a summary of the concepts that were presented in the illustrations above.
- High-risk drivers who have multiple accidents or major violations pay on average $1,650 more annually than a low-risk driver
- Youthful drivers are charged the highest rates, costing up to $437 per month for full coverage
- It is possible to save approximately $170 per year simply by quoting online in advance
- Increasing deductibles can save around $600 each year
- It is possible 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,840 |
| $250 | $1,660 |
| $500 | $1,448 |
| $1,000 | $1,242 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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