Acura ZDX Insurance Rates
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UPDATED: Jun 2, 2024
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Average insurance prices for an Acura ZDX are $1,152 every 12 months for full coverage. Comprehensive insurance costs approximately $220 each year, collision costs $300, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing $2,478 or more. 16-year-old drivers receive the highest rates at $4,494 a year or more.
Average premium for full coverage: $1,152
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and ZDX models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $522 for minimum levels of liability insurance to a high rate of $2,478 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.
The graphic below illustrates how location helps determine auto insurance prices.
These examples show why all drivers should get quotes using their specific location and their own driving history, rather than using 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 Details
The chart below shows estimated Acura ZDX insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $688
- Choosing higher $1,000 deductibles can save $118 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,152
- Buying low deductibles for comp and collision coverage costs an extra $228 each year
- Drivers with multiple tickets or accidents could pay around $2,478 or more
- The cost to insure a teenage driver can cost $4,494 each year
Car insurance rates for an Acura ZDX can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your ZDX.
Opting for high physical damage deductibles can save as much as $350 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $4,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers ranges around 42% to 136% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Acura ZDX insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or at least $1,650 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,042 | -$110 | -9.5% |
| Alaska | $882 | -$270 | -23.4% |
| Arizona | $956 | -$196 | -17.0% |
| Arkansas | $1,152 | -$0 | 0.0% |
| California | $1,312 | $160 | 13.9% |
| Colorado | $1,102 | -$50 | -4.3% |
| Connecticut | $1,186 | $34 | 3.0% |
| Delaware | $1,304 | $152 | 13.2% |
| Florida | $1,442 | $290 | 25.2% |
| Georgia | $1,064 | -$88 | -7.6% |
| Hawaii | $828 | -$324 | -28.1% |
| Idaho | $780 | -$372 | -32.3% |
| Illinois | $858 | -$294 | -25.5% |
| Indiana | $866 | -$286 | -24.8% |
| Iowa | $778 | -$374 | -32.5% |
| Kansas | $1,096 | -$56 | -4.9% |
| Kentucky | $1,572 | $420 | 36.5% |
| Louisiana | $1,706 | $554 | 48.1% |
| Maine | $712 | -$440 | -38.2% |
| Maryland | $950 | -$202 | -17.5% |
| Massachusetts | $922 | -$230 | -20.0% |
| Michigan | $2,002 | $850 | 73.8% |
| Minnesota | $964 | -$188 | -16.3% |
| Mississippi | $1,380 | $228 | 19.8% |
| Missouri | $1,024 | -$128 | -11.1% |
| Montana | $1,238 | $86 | 7.5% |
| Nebraska | $910 | -$242 | -21.0% |
| Nevada | $1,382 | $230 | 20.0% |
| New Hampshire | $828 | -$324 | -28.1% |
| New Jersey | $1,288 | $136 | 11.8% |
| New Mexico | $1,020 | -$132 | -11.5% |
| New York | $1,214 | $62 | 5.4% |
| North Carolina | $664 | -$488 | -42.4% |
| North Dakota | $944 | -$208 | -18.1% |
| Ohio | $796 | -$356 | -30.9% |
| Oklahoma | $1,184 | $32 | 2.8% |
| Oregon | $1,056 | -$96 | -8.3% |
| Pennsylvania | $1,100 | -$52 | -4.5% |
| Rhode Island | $1,538 | $386 | 33.5% |
| South Carolina | $1,044 | -$108 | -9.4% |
| South Dakota | $974 | -$178 | -15.5% |
| Tennessee | $1,010 | -$142 | -12.3% |
| Texas | $1,390 | $238 | 20.7% |
| Utah | $852 | -$300 | -26.0% |
| Vermont | $790 | -$362 | -31.4% |
| Virginia | $690 | -$462 | -40.1% |
| Washington | $892 | -$260 | -22.6% |
| West Virginia | $1,056 | -$96 | -8.3% |
| Wisconsin | $798 | -$354 | -30.7% |
| Wyoming | $1,028 | -$124 | -10.8% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura ZDX Technology Package AWD | $1,132 | $94 |
| Acura ZDX AWD | $1,132 | $94 |
| Acura ZDX Advance Package AWD | $1,174 | $98 |
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 | $242 | $362 | $474 | $1,236 |
| 2012 Acura ZDX | $236 | $328 | $478 | $1,200 |
| 2011 Acura ZDX | $220 | $300 | $474 | $1,152 |
| 2010 Acura ZDX | $208 | $272 | $474 | $1,112 |
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 Shop for the Best Acura ZDX Insurance
Saving money on auto insurance takes being a good driver, maintaining a good credit score, eliminating unneeded coverage, and avoiding coverage lapses. Invest time comparing rates every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the information covered in the charts and tables above.
- Drivers can save around $130 per year simply by quoting online in advance
- Drivers age 16 to 20 pay the highest auto insurance rates, costing as high as $375 per month if the policy includes full coverage
- Increasing deductibles could save as much as $350 each year
- Drivers who tend to receive serious violations may pay on average $1,330 more per year than a safer driver
- Consumers who purchase an increased level of liability coverage will pay around $520 each year to raise limits from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,494 |
| 20 | $2,624 |
| 30 | $1,182 |
| 40 | $1,152 |
| 50 | $1,054 |
| 60 | $1,032 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,380 |
| $250 | $1,276 |
| $500 | $1,152 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,152 |
| 50/100 | $1,269 |
| 100/300 | $1,387 |
| 250/500 | $1,695 |
| 100 CSL | $1,316 |
| 300 CSL | $1,577 |
| 500 CSL | $1,767 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,360 |
| 20 | $4,184 |
| 30 | $2,510 |
| 40 | $2,478 |
| 50 | $2,368 |
| 60 | $2,342 |
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 | $60 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $45 |
| Advance Quote | $52 |
| Online Quote | $80 |
| Total Discounts | $464 |
Discounts are estimated and may not be available from every company or in every state.
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