Acura RDX 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 3, 2023

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Acura RDX insurance

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 rates for an Acura RDX are $1,038 a year with full coverage. Comprehensive costs approximately $198 each year, collision insurance costs $310, and liability is $394. Liability-only coverage costs around $440 a year, and high-risk coverage costs around $2,238. 16-year-old drivers cost the most to insure at up to $4,010 a year.

Average premium for full coverage: $1,038

Policy rates by type of insurance:

Comprehensive $198
Collision $310
Liability $394

Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and RDX models.

Price Range Variability

Using a 40-year-old driver as an example, Acura RDX insurance rates range from the low end price of $440 for the bare minimum liability coverage to a high rate of $2,238 for a driver that may need high-risk insurance.

Liability Only $440
Full Coverage $1,038
High Risk $2,238

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $779
Small Cities $1,090
Large Cities $1,401

The examples above demonstrate why all drivers should compare rates quotes using their specific location, instead of making a decision based on 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 average Acura RDX insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $613
  • Raising to $1,000 deductibles will save $116 annually
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,038
  • Buying low deductibles bumps up the cost to $1,260
  • Drivers with multiple tickets or accidents could pay around $2,238
  • Policy cost that insures a 16-year-old driver can cost $4,010

View Chart as Image

Acura RDX insurance cost comparison chart
Column chart showing Acura RDX insurance rates range from $613 to $4,010 for full coverage

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

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 128% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

Your home state also has a big influence on Acura RDX insurance prices. A middle-age driver might find rates as low as $750 a year in states like Utah, Ohio, and New Hampshire, or at least $1,400 on average in New York, Michigan, and Florida.

Acura RDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $938 -$100 -9.6%
Alaska $794 -$244 -23.5%
Arizona $860 -$178 -17.1%
Arkansas $1,038 -$0 0.0%
California $1,182 $144 13.9%
Colorado $990 -$48 -4.6%
Connecticut $1,066 $28 2.7%
Delaware $1,172 $134 12.9%
Florida $1,296 $258 24.9%
Georgia $958 -$80 -7.7%
Hawaii $746 -$292 -28.1%
Idaho $704 -$334 -32.2%
Illinois $772 -$266 -25.6%
Indiana $784 -$254 -24.5%
Iowa $698 -$340 -32.8%
Kansas $984 -$54 -5.2%
Kentucky $1,414 $376 36.2%
Louisiana $1,536 $498 48.0%
Maine $640 -$398 -38.3%
Maryland $858 -$180 -17.3%
Massachusetts $828 -$210 -20.2%
Michigan $1,800 $762 73.4%
Minnesota $868 -$170 -16.4%
Mississippi $1,242 $204 19.7%
Missouri $920 -$118 -11.4%
Montana $1,112 $74 7.1%
Nebraska $816 -$222 -21.4%
Nevada $1,244 $206 19.8%
New Hampshire $746 -$292 -28.1%
New Jersey $1,160 $122 11.8%
New Mexico $918 -$120 -11.6%
New York $1,092 $54 5.2%
North Carolina $598 -$440 -42.4%
North Dakota $852 -$186 -17.9%
Ohio $714 -$324 -31.2%
Oklahoma $1,064 $26 2.5%
Oregon $952 -$86 -8.3%
Pennsylvania $986 -$52 -5.0%
Rhode Island $1,382 $344 33.1%
South Carolina $942 -$96 -9.2%
South Dakota $876 -$162 -15.6%
Tennessee $908 -$130 -12.5%
Texas $1,250 $212 20.4%
Utah $766 -$272 -26.2%
Vermont $710 -$328 -31.6%
Virginia $620 -$418 -40.3%
Washington $798 -$240 -23.1%
West Virginia $952 -$86 -8.3%
Wisconsin $718 -$320 -30.8%
Wyoming $924 -$114 -11.0%

View Chart as Image

Acura RDX insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $340 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $354 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Acura RDX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Acura RDX 2WD $1,012 $84
Acura RDX AWD $1,012 $84
Acura RDX Technology Package 2WD $1,064 $89
Acura RDX Technology Package AWD $1,064 $89

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.

Acura RDX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Acura RDX $294 $512 $332 $1,274
2023 Acura RDX $282 $506 $338 $1,262
2022 Acura RDX $272 $494 $354 $1,256
2021 Acura RDX $262 $474 $364 $1,236
2020 Acura RDX $248 $458 $376 $1,218
2019 Acura RDX $238 $424 $384 $1,182
2018 Acura RDX $230 $400 $388 $1,154
2017 Acura RDX $220 $358 $390 $1,104
2016 Acura RDX $206 $330 $390 $1,062
2015 Acura RDX $198 $310 $394 $1,038
2014 Acura RDX $194 $288 $402 $1,020
2013 Acura RDX $180 $268 $402 $986
2011 Acura RDX $162 $222 $402 $922
2010 Acura RDX $152 $202 $402 $892
2008 Acura RDX $146 $178 $390 $850
2007 Acura RDX $144 $168 $384 $832

Rates are averaged for all Acura RDX 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 Low Cost Acura RDX Insurance

Finding cheaper rates on insurance for an Acura RDX consists of being a safe and courteous driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Comparison shop once a year by obtaining price quotes from direct companies, and also from local insurance agencies.

Below is a review of the data that was raised in the charts and tables above.

  • You may be able to save around $120 per year just by quoting online in advance
  • Insureds who purchase higher levels of liability will pay around $430 every year to raise from a 30/60 limit to the 250/500 level
  • Teenage drivers are the costliest to insure, as much as $334 each month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,200 more per year for auto insurance

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.

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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.

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

Rates by Driver Age

Acura RDX Insurance Rates by Driver Age
Driver Age Premium
16 $4,010
20 $2,378
30 $1,070
40 $1,038
50 $952
60 $934

Full coverage, $500 deductibles

Rates by Deductible

Acura RDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,260
$250 $1,158
$500 $1,038
$1,000 $922

Full coverage, driver age 40

Rates by Liability Limit

Acura RDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,038
50/100 $1,143
100/300 $1,241
250/500 $1,497
100 CSL $1,182
300 CSL $1,399
500 CSL $1,557

Full coverage, driver age 40

Rates for High Risk Drivers

Acura RDX Insurance Rates for High Risk Drivers
Age Premium
16 $5,688
20 $3,788
30 $2,272
40 $2,238
50 $2,134
60 $2,114

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 $142

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $54
Multi-vehicle $55
Homeowner $17
5-yr Accident Free $70
5-yr Claim Free $66
Paid in Full/EFT $43
Advance Quote $48
Online Quote $72
Total Discounts $425
Rate after discounts $613

Discounts are estimated and may not be available from every company or in every state.

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