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: Jun 2, 2023

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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 insurance rates for an Acura MDX are $1,448 a year with full coverage. Comprehensive insurance costs on average $358, collision costs $542, and liability coverage is $390. Buying just liability costs around $452 a year, with insurance for high-risk drivers costing $3,098 or more. 16-year-old drivers receive the highest rates at $5,248 a year or more.

Average premium for full coverage: $1,448

Rate estimates by individual coverage type:

Comprehensive $358
Collision $542
Liability $390

Prices include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for different MDX trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the low end price of $452 for the bare minimum liability coverage to a much higher rate of $3,098 for high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas tend to have lower incidents of collision claims than congested cities.

The price range example below illustrates how your location can change car insurance rates.

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

These examples demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than using 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 Information

The chart below details estimated Acura MDX insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $841
  • Raising to $1,000 deductibles will save around $206 annually
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,448
  • Buying more expensive low deductibles will cost an additional $392 each year
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $3,098 or more
  • The cost that insures a teenage driver with full coverage may cost $5,248

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

Auto insurance rates for an Acura MDX can also vary considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 132% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay upwards of $5,200 a year. View Rates by Age

Where you live also has a big influence on Acura MDX insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or at least $1,960 on average in Florida, Michigan, 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

Opting for high physical damage deductibles can reduce rates by up to $600 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly 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

Saving money on auto insurance consists of being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Comparison shop every couple of years by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the material that was illustrated above.

  • Consumers who require an increased level of liability coverage will pay around $430 every year to raise from a minimum limit to the 250/500 level
  • Drivers age 16 to 20 are charged the highest rates, with premiums as much as $437 per month if the policy includes full coverage
  • Drivers with reckless driving or DUI convictions pay on average $1,650 more each year than a safer driver
  • Increasing deductibles can save approximately $600 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 $5,248
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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