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 $1,038 annually for full coverage. Comprehensive insurance costs an estimated $198 a year, collision costs $310, and liability insurance is $394. Buying just liability costs around $440 a year, with insurance for high-risk drivers costing $2,238 or more. 16-year-old drivers cost the most to insure at $4,010 a year or more.

Average premium for full coverage: $1,038

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and RDX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than congested cities.

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

The examples above show why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Details

The chart below shows estimated Acura RDX insurance rates for other coverage scenarios.

• The best full coverage rate is $613
• Raising to $1,000 deductibles will save approximately $922 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,038
• Buying low $100 deductibles costs an additional $222 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,238 or more
• Policy cost with full coverage for a teen driver can cost as much as $4,010

View Chart as Image

Insurance rates for an Acura RDX also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $340 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $354 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Acura RDX insurance rates. A middle-age driver might find rates as low as $690 a year in states like Iowa, Maine, and Idaho, or at least $1,480 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 More Affordable Acura RDX Insurance

Finding cheaper rates on Acura RDX insurance consists of avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a summary of the data that was covered in the above illustrations.

• Drivers can save approximately $120 per year simply by quoting early and online
• Drivers who want increased liability limits will pay around $430 each year to raise from a 30/60 limit to higher 250/500 limits
• Drivers under the age of 20 are charged the highest rates, costing up to $334 each month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations may pay on average $1,200 more annually to insure an Acura RDX

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