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 insurance prices for an Acura RDX are $1,292 every 12 months with full coverage. Comprehensive insurance costs on average $308, collision costs $532, and liability coverage costs $316. Buying just liability costs as little as $376 a year, with insurance for high-risk drivers costing $2,782 or more. Teenage drivers cost the most to insure at $4,674 a year or more.

Average premium for full coverage: $1,292

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different RDX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $741
• Drivers who choose higher $1,000 deductibles will pay around $192 annually
• The average price for a good driver age 40 with $500 deductibles is $1,292
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $368 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,782 or more
• Policy cost to insure a teenage driver with full coverage may cost $4,674 a year

View Chart as Image

Insurance rates for an Acura RDX also range considerably based on liability limits and deductibles, your driving record, and the trim level of your RDX.

Using high physical damage deductibles could save up to $560 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost around 45% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Acura RDX insurance rates. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied.

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 Shop for the Best Cheap Acura RDX Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and bundling your home and auto policies. Set aside time to shop around every time your policy renews by quoting rates from direct companies, and also from local exclusive and independent agents.

The list below is a quick review of the information raised in the charts and tables above.

• You may be able to save as much as $160 per year simply by shopping early and online
• Teenagers pay the highest rates, as much as $390 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Drivers with a DUI or reckless driving violation may pay on average $1,490 more each year for car insurance
• Consumers who require higher liability limits will pay an extra $350 every year to go from a 30/60 limit to a 250/500 level

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