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 with full coverage. Comprehensive insurance costs around $236 each year, collision insurance costs $328, and liability insurance is $478. A policy with only liability insurance costs around $526 a year, and a high-risk policy costs $2,582 or more. 16-year-old drivers pay the most at up to $4,650 a year.
Average premium for full coverage: $1,200
Premium estimates for type of coverage:
Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and ZDX models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for an Acura ZDX range from the low end price of $526 for just liability insurance to a high rate of $2,582 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than congested cities. The graphic below illustrates how your location can change auto insurance rates.
These rate differences demonstrate why all drivers should compare rates quotes for a specific zip code, rather than relying 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.
More Rate Details
The chart below details average Acura ZDX insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $713
- Raising to $1,000 deductibles will save about $128 annually
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,200
- Buying low deductibles will cost an additional $246 a year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,582
- An auto insurance policy that insures a teen driver can be $4,650
Car insurance prices for an Acura ZDX also have a wide range based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have a few violations or you caused an accident, you may be forking out at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little 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 be charged as much as $4,600 a year. View Rates by Age
Where you choose to live also has a big influence on Acura ZDX insurance rates. A middle-age driver might find prices as low as $870 a year in states like New Hampshire, Ohio, and Utah, or at least $1,620 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $380 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 extra every 12 months. 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 Acura ZDX Insurance
Finding better rates on Acura ZDX insurance consists of having a good driving record, having a positive credit history, being claim-free, and consideration of higher deductibles. Comparison shop once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The next list is a brief recap of the data that was illustrated above.
- You may be able to save up to $140 per year just by quoting online in advance
- Drivers who may need increased levels of liability coverage will pay around $530 every year to raise from 30/60 bodily injury limits to the 250/500 level
- Drivers age 20 and younger are the costliest to insure, possibly costing $388 per month if full coverage is purchased
- High-risk drivers who tend to receive serious violations may pay on average $1,380 more every year to buy Acura ZDX 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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