Acura RDX Insurance Rates

How much does an Acura RDX cost to insure? On average, Acura RDX insurance cost for full coverage average $1,292 a year, or $107 a month. Our guide breaks down Acura RDX car insurance so drivers can easily find savings. Learn more.

Enter your ZIP code in our free tool to get started on comparing Acura RDX insurance rates and find out how much is an Acura RDX to insure.

The average auto insurance rates for an Acura RDX are $1,292 annually including full coverage. Comprehensive insurance costs approximately $308 a year, collision insurance costs $532, and liability is $316. A liability-only policy costs around $376 a year, and high-risk insurance costs $2,782 or more. Teenage drivers cost the most to insure at up to $4,674 a year.

Average premium for full coverage: $1,292

Policy rates by type of insurance:

These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and RDX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down average Acura RDX insurance rates for additional coverage and risk scenarios.

• The best discount rate is $741
• Raising to $1,000 deductibles will save $1,100 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,292
• Using low $100 deductibles costs an additional $368 every year
• At-risk drivers who are prone to accidents and violations could pay around $2,782
• Policy cost with full coverage for a teen driver can cost $4,674

View Chart as Image

Car insurance rates for an Acura RDX also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $560 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $285 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Acura RDX insurance prices. A middle-age driver might find rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2024 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.

How to Buy Cheap Acura RDX Insurance

Finding cheaper rates on car insurance consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Take the time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a brief summary of the ideas that were covered in the above illustrations.

• Drivers age 20 and younger pay the highest auto insurance rates, with premiums being up to $390 each month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,490 more per year to buy Acura RDX insurance
• Increasing comprehensive and collision deductibles could save up to $550 each year
• You may be able to save around $160 per year just by quoting early and online

Frequently Asked Questions

• Is the Acura RDX expensive to insure? The estimated price for the average middle-age driver who has $500 deductibles is $1,292.
• How much does it cost to fill up an Acura RDX? According to FuelEconomy.gov the Annual Acura RDX Fuel Cost is $1,750.
• Is the 2020 Acura RDX a good car? It’s an all around good car in the luxury compact SUV category.
• What is the Acura RDX cost of ownership? According to RepairPal.com, “Cost. The average total annual cost for repairs and maintenance on a Acura RDX is $497, compared to an average of $859 for luxury compact SUVs and $652 for all vehicle models.” Plus your insurance cost and any loan you may have on your Acura RDX.
• What is the Acura RDX depreciation? According to CarEdge.com, “On average, expect to pay only 53% of the original cost with 67% of the vehicle’s lifetime remaining for a 2016 RDX.”
• What are the Acura RDX maintenance cost? See above from RepairPal
• Are Acura RDX expensive to maintain? Not more than other vehicles in its category.

To find the cheapest Acura insurance, make sure to compare rates. Doing so will allow you to compare multiple models, such as 2020 Acura costs, 2018 RDX costs, or the 2019 Acura RDX cost to own and insurance prices.

So if you are ready to find out the cost of Acura RDX 2016 insurance or Acura RDX 2013 cost of insurance, enter your ZIP code in our free tool below.

What are the Acura RDX safety ratings?

The Acura RDX cost to own can be cheaper if there are multiple safety features and good safety ratings, as insurers will offer discounts. The Acura RDX has some great safety features, such as vehicle stability assist, brake assist, automatic brake hold, and more.

The Insurance Institute for Highway Safety (IIHS) has also crash-tested the Acura RDX and awarded it a 2020 Top Safety Pick award.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Watch the video below for an example of one of the Acura RDX’s crash tests.

Acura RDX Compared Against Other Vehicles in the Same Class

The Acura RDX is a midsize luxury SUV, which can affect it’s liability rates. The IIHS recorded the liability losses for property damage as better than average and the bodily injury losses as substantially better than average.

Curious to see how other midsize SUV’s rates compare to the Audi RDX or want to know what the least expensive Acura is? Check out the midsize luxury SUVs below.

• Acura MDX Insurance Rates
• Audi Q5 Insurance Rates
• BMW X3 Insurance Rates

Ready to start shopping to find out everything from are Acura RDX expensive to maintain insurance to Acura RDS 2105 deals on insurance and 2016 RDX prices paid for insurance? Enter your ZIP code in our free tool below for help finding Acura RDX insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/acura/rdx-4-door-suv/2020