Acura ZDX Insurance Rates
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UPDATED: Jun 2, 2024
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Estimated insurance rates for an Acura ZDX are $1,200 a year for full coverage insurance. Comprehensive insurance costs on average $236, collision insurance costs $328, and liability is $478. A liability-only policy costs around $526 a year, and high-risk insurance costs $2,582 or more. Teen drivers pay the most at up to $4,650 a year.
Average premium for full coverage: $1,200
Premium estimates by type of coverage:
Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all ZDX models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for an Acura ZDX range from the low end price of $526 for your basic liability-only policy to the much higher price of $2,582 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas. The example below illustrates how location impacts car insurance rates.
These rate differences illustrate why everyone should compare rates quotes based on a specific location, 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.
More Rate Information
The chart below illustrates average Acura ZDX insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $713
- Raising to $1,000 deductibles will save around $128 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,200
- Choosing pricier low deductibles will cost an additional $246 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,582
- An auto insurance policy that insures a 16-year-old driver for full coverage may cost $4,650
Auto insurance prices for an Acura ZDX also have a wide range based on the model of your ZDX, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. Acura ZDX insurance for high-risk drivers is expensive and can cost from 43% to 130% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,600 a year. View Rates by Age
Where you choose to live also has a big influence on Acura ZDX insurance prices. A middle-age driver might find prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,620 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,088 | -$112 | -9.3% |
| Alaska | $922 | -$278 | -23.2% |
| Arizona | $996 | -$204 | -17.0% |
| Arkansas | $1,200 | -$0 | 0.0% |
| California | $1,368 | $168 | 14.0% |
| Colorado | $1,148 | -$52 | -4.3% |
| Connecticut | $1,234 | $34 | 2.8% |
| Delaware | $1,360 | $160 | 13.3% |
| Florida | $1,502 | $302 | 25.2% |
| Georgia | $1,108 | -$92 | -7.7% |
| Hawaii | $862 | -$338 | -28.2% |
| Idaho | $812 | -$388 | -32.3% |
| Illinois | $894 | -$306 | -25.5% |
| Indiana | $904 | -$296 | -24.7% |
| Iowa | $810 | -$390 | -32.5% |
| Kansas | $1,142 | -$58 | -4.8% |
| Kentucky | $1,638 | $438 | 36.5% |
| Louisiana | $1,776 | $576 | 48.0% |
| Maine | $740 | -$460 | -38.3% |
| Maryland | $990 | -$210 | -17.5% |
| Massachusetts | $960 | -$240 | -20.0% |
| Michigan | $2,086 | $886 | 73.8% |
| Minnesota | $1,006 | -$194 | -16.2% |
| Mississippi | $1,438 | $238 | 19.8% |
| Missouri | $1,066 | -$134 | -11.2% |
| Montana | $1,292 | $92 | 7.7% |
| Nebraska | $946 | -$254 | -21.2% |
| Nevada | $1,440 | $240 | 20.0% |
| New Hampshire | $864 | -$336 | -28.0% |
| New Jersey | $1,344 | $144 | 12.0% |
| New Mexico | $1,064 | -$136 | -11.3% |
| New York | $1,264 | $64 | 5.3% |
| North Carolina | $692 | -$508 | -42.3% |
| North Dakota | $984 | -$216 | -18.0% |
| Ohio | $830 | -$370 | -30.8% |
| Oklahoma | $1,234 | $34 | 2.8% |
| Oregon | $1,100 | -$100 | -8.3% |
| Pennsylvania | $1,148 | -$52 | -4.3% |
| Rhode Island | $1,602 | $402 | 33.5% |
| South Carolina | $1,088 | -$112 | -9.3% |
| South Dakota | $1,014 | -$186 | -15.5% |
| Tennessee | $1,052 | -$148 | -12.3% |
| Texas | $1,448 | $248 | 20.7% |
| Utah | $890 | -$310 | -25.8% |
| Vermont | $822 | -$378 | -31.5% |
| Virginia | $720 | -$480 | -40.0% |
| Washington | $928 | -$272 | -22.7% |
| West Virginia | $1,100 | -$100 | -8.3% |
| Wisconsin | $832 | -$368 | -30.7% |
| Wyoming | $1,070 | -$130 | -10.8% |
Choosing high deductibles can reduce prices by up to $380 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura ZDX Technology Package AWD | $1,178 | $98 |
| Acura ZDX AWD | $1,178 | $98 |
| Acura ZDX Advance Package AWD | $1,222 | $102 |
Rates assume 2011 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2013 Acura ZDX | $262 | $390 | $474 | $1,284 |
| 2012 Acura ZDX | $242 | $362 | $474 | $1,236 |
| 2011 Acura ZDX | $236 | $328 | $478 | $1,200 |
| 2010 Acura ZDX | $220 | $300 | $474 | $1,152 |
Rates are averaged for all Acura ZDX 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 Best Cheap Acura ZDX Insurance
Finding better rates on insurance for an Acura ZDX consists of being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Shop around once a year by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below is a quick review of the data that was touched on above.
- It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
- Insureds who require higher levels of liability will pay about $530 annually to raise from 30/60 bodily injury limits to the 250/500 level
- Teenage drivers are charged the highest prices, with premiums being up to $388 per month if the policy includes full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,380 more each year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,650 |
| 20 | $2,734 |
| 30 | $1,236 |
| 40 | $1,200 |
| 50 | $1,100 |
| 60 | $1,076 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,334 |
| $500 | $1,200 |
| $1,000 | $1,072 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,200 |
| 50/100 | $1,318 |
| 100/300 | $1,437 |
| 250/500 | $1,748 |
| 100 CSL | $1,365 |
| 300 CSL | $1,628 |
| 500 CSL | $1,820 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,588 |
| 20 | $4,358 |
| 30 | $2,618 |
| 40 | $2,582 |
| 50 | $2,466 |
| 60 | $2,442 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $83 |
| Total Discounts | $487 |
Discounts are estimated and may not be available from every company or in every state.
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