Acura ZDX Insurance Rates
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UPDATED: Jun 2, 2024
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Average auto insurance rates for an Acura ZDX are $1,200 annually including full coverage. Comprehensive costs an estimated $236 each year, collision costs $328, and liability costs around $478. A policy with just liability insurance costs as low as $526 a year, with coverage for high-risk drivers costing around $2,582. Teenage drivers receive the highest rates at $4,650 a year or more.
Average premium for full coverage: $1,200
Rate estimates broken down by individual coverage type:
These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and ZDX models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $526 for the bare minimum liability coverage to a high rate of $2,582 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live can have significant affects on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities.
The graphic below illustrates how rural and urban location affects insurance prices.
These examples highlight why all drivers should compare prices for a targeted area and their own personal driving habits, instead of using average rates.
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 breaks down estimated Acura ZDX insurance rates for other coverage scenarios.
- The best discount rate is $713
- Using higher $1,000 deductibles will save approximately $128 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,200
- Using low deductibles for physical damage coverage will cost $1,446
- Drivers who are prone to accidents and violations could pay up to $2,582 or more
- The cost with full coverage for a teen driver can cost as much as $4,650 or more
Insurance rates for an Acura ZDX can also vary considerably based on the trim level of your ZDX, your driving characteristics, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $380 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Acura ZDX insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,710 on average in Louisiana, New York, and Michigan.
| 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% |
With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates can be significantly different between companies.
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 Buy Cheap Acura ZDX Insurance
Saving money on car insurance requires being a safe and courteous driver, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around every other policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below is a brief summary of the ideas that were raised in the charts and tables above.
- Teenage drivers are expensive to insure, as much as $388 per month if they have full coverage
- Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,380 more annually for auto insurance
- Increasing deductibles could save up to $375 each year
- You may be able to save approximately $140 per year simply by quoting online in advance
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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