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.

The average insurance rates for an Acura MDX are $1,436 a year including full coverage. Comprehensive costs approximately $344, collision costs $536, and liability is estimated at $398. Liability-only insurance costs approximately $460 a year, with high-risk driver insurance costing around $3,084. Teen drivers cost the most to insure at $5,252 a year or more.

Average premium for full coverage: $1,436

Policy rates by type of insurance:

Comprehensive $344
Collision $536
Liability $398

Prices include $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all MDX models.

Price Range Variability

For an average driver, Acura MDX insurance rates go from as low as $460 for the bare minimum liability coverage to the much higher price of $3,084 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates the effect of geographic area on auto insurance prices.

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

The examples above highlight why everyone should get quotes using their specific location and risk profile, instead of making a decision based on price 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 breaks down estimated Acura MDX insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $832
  • Choosing higher $1,000 deductibles can save $200 every year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,436
  • Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,822
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,084 or more
  • Policy cost for full coverage for a 16-year-old driver for full coverage can cost $5,252 each year

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

Auto insurance rates for an Acura MDX also range considerably based on your risk profile, the model of your MDX, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Acura MDX insurance prices. A good driver about age 40 could pay as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,050 on average in Louisiana, New York, and Michigan.

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 high deductibles can save as much as $590 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. Acura MDX insurance for high-risk drivers ranges from 44% to 132% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different rate calculation, and quoted rates will be varied from one company to the next.

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 Right Acura MDX Insurance

Finding cheaper rates on insurance for an Acura MDX takes having a good driving record, having good credit, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to compare rates every year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a quick rundown of the coverage data covered in the above illustrations.

  • You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save around $575 each year
  • Drivers age 20 and younger have the highest car insurance rates, with premiums being up to $438 each month if they have full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,650 more per year to buy Acura MDX insurance

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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