Acura MDX 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: Apr 26, 2024

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Acura MDX insurance

Are Acura MDX expensive to insure in comparison to other vehicles? Average Acura MDX car insurance costs $1,468 a year, or $122 a month. Learn more about Acura MDX insurance rates and how to save on Acura MDX costs in our guide.

To find out how much does an Acura MDX cost to insure in your area, enter your ZIP code in our free tool above.

Average auto insurance rates for an Acura MDX are $1,448 annually for full coverage. Comprehensive costs on average $358 a year, collision costs $542, and liability insurance costs around $390. A policy with just liability insurance costs as low as $452 a year, with coverage for high-risk drivers costing around $3,098. Teens receive the highest rates at $5,248 a year or more.

Average premium for full coverage: $1,448

Rate estimates by individual coverage type:

Comprehensive $358
Collision $542
Liability $390

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and MDX trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as cheap as $452 for the bare minimum liability coverage to a high of $3,098 for a high-risk insurance policy.

Liability Only $452
Full Coverage $1,448
High Risk $3,098

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,086
Small Cities $1,520
Large Cities $1,955

These examples show why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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 shows estimated Acura MDX insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $841
  • Using higher $1,000 deductibles will save around $1,242 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,448
  • Selecting low $100 deductibles for physical damage coverage will cost $1,840
  • Drivers with serious driving violations could pay upwards of $3,098 or more
  • The cost with full coverage for a teen driver may cost $5,248 or more

View Chart as Image

Acura MDX insurance cost comparison chart
Column chart showing full coverage Acura MDX insurance rates range from $841 to $5,248

Insurance rates for an Acura MDX can also vary considerably based on the trim level of your MDX, your driver profile, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 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 upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Acura MDX insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,070 on average in Michigan, Louisiana, and New York.

Acura MDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,308 -$140 -9.7%
Alaska $1,110 -$338 -23.3%
Arizona $1,202 -$246 -17.0%
Arkansas $1,448 -$0 0.0%
California $1,650 $202 14.0%
Colorado $1,382 -$66 -4.6%
Connecticut $1,488 $40 2.8%
Delaware $1,640 $192 13.3%
Florida $1,812 $364 25.1%
Georgia $1,338 -$110 -7.6%
Hawaii $1,040 -$408 -28.2%
Idaho $980 -$468 -32.3%
Illinois $1,080 -$368 -25.4%
Indiana $1,090 -$358 -24.7%
Iowa $978 -$470 -32.5%
Kansas $1,376 -$72 -5.0%
Kentucky $1,976 $528 36.5%
Louisiana $2,146 $698 48.2%
Maine $894 -$554 -38.3%
Maryland $1,194 -$254 -17.5%
Massachusetts $1,158 -$290 -20.0%
Michigan $2,518 $1,070 73.9%
Minnesota $1,210 -$238 -16.4%
Mississippi $1,734 $286 19.8%
Missouri $1,284 -$164 -11.3%
Montana $1,556 $108 7.5%
Nebraska $1,142 -$306 -21.1%
Nevada $1,736 $288 19.9%
New Hampshire $1,042 -$406 -28.0%
New Jersey $1,618 $170 11.7%
New Mexico $1,284 -$164 -11.3%
New York $1,526 $78 5.4%
North Carolina $834 -$614 -42.4%
North Dakota $1,186 -$262 -18.1%
Ohio $1,002 -$446 -30.8%
Oklahoma $1,488 $40 2.8%
Oregon $1,326 -$122 -8.4%
Pennsylvania $1,382 -$66 -4.6%
Rhode Island $1,932 $484 33.4%
South Carolina $1,314 -$134 -9.3%
South Dakota $1,220 -$228 -15.7%
Tennessee $1,270 -$178 -12.3%
Texas $1,746 $298 20.6%
Utah $1,072 -$376 -26.0%
Vermont $992 -$456 -31.5%
Virginia $868 -$580 -40.1%
Washington $1,120 -$328 -22.7%
West Virginia $1,328 -$120 -8.3%
Wisconsin $1,002 -$446 -30.8%
Wyoming $1,292 -$156 -10.8%

View Chart as Image

Acura MDX insurance rates by U.S. city

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each insurance company calculates rates differently, and rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Acura MDX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Acura MDX 4WD $1,406 $117
Acura MDX with Tech Package 4WD $1,448 $121
Acura MDX with Tech/Entertainment 4WD $1,448 $121
Acura MDX Advance 4WD $1,490 $124
Acura MDX Advance/Entertainment 4WD $1,490 $124

Rates assume 2023 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 MDX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Acura MDX $376 $562 $372 $1,468
2023 Acura MDX $358 $542 $390 $1,448
2022 Acura MDX $344 $536 $398 $1,436
2021 Acura MDX $332 $524 $416 $1,430
2020 Acura MDX $320 $502 $430 $1,410
2019 Acura MDX $304 $484 $442 $1,388
2018 Acura MDX $292 $450 $452 $1,352
2017 Acura MDX $280 $424 $456 $1,318
2016 Acura MDX $268 $380 $460 $1,266
2015 Acura MDX $250 $350 $460 $1,218
2014 Acura MDX $242 $328 $464 $1,192
2013 Acura MDX $236 $306 $474 $1,174
2012 Acura MDX $218 $284 $474 $1,134
2011 Acura MDX $212 $258 $478 $1,106
2010 Acura MDX $198 $236 $474 $1,066
2009 Acura MDX $186 $214 $474 $1,032
2008 Acura MDX $180 $192 $468 $998
2007 Acura MDX $178 $188 $460 $984
2006 Acura MDX $176 $178 $452 $964
2005 Acura MDX $160 $170 $446 $934

Rates are averaged for all Acura MDX 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 Cheaper Acura MDX Insurance

Saving money on Acura MDX insurance requires avoiding accidents and violations, having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The list below is a condensed summary of the car insurance concepts covered above.

  • High-risk drivers with multiple at-fault accidents may be required to pay an average of $1,650 more each year for car insurance
  • Drivers can save as much as $170 per year simply by quoting early and online
  • Increasing deductibles could save up to $600 each year
  • Drivers who require higher liability limits will pay approximately $430 each year to increase from a minimum limit to higher 250/500 limits

Whether you are looking to save on 2008 Acura MDX insurance costs or 2014/2015 Acura MDX costs, shopping around for rates is the best way to save on insurance.

If you are ready to save on the Acura MDX cost to own by reducing Acura insurance rates, enter your ZIP code in our free tool below to see how much is an Acura MDX to insure in your area.

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What are the safety ratings of the Acura MDX?

Is an Acura MDX reliable? If an Acura MDX’s safety ratings and features are poor, MDX average rates will be higher than average. Luckily, the Acura MDX has some great safety features, such as brake assist, traction control, lane departure warning, and lane-keeping assist.

The Insurance Institute for Highway Safety (IIHS) has also crash-tested the MDX, with good results.

  • Small overlap front (driver-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

View the video below for an example of the IIHS’s crash testing on the MDX.

Acura MDX Compared Against Other Vehicles in the Same Class

The Acura MDX is a midsize, luxury SUV. The IIHS found that the Acura MDX’s property damage liability losses are average, and its bodily injury liability losses are substantially better than average. This is great, as it means the Acura MDX should have reasonable liability insurance rates.

To see how the Acura MDX’s rates compare to other midsize, luxury SUV rates, view the list below.

To find out how much does it cost to insure an Acura MDX in your area and find savings, enter your ZIP code in our free tool.

References

  1. https://www.iihs.org/ratings/vehicle/acura/mdx-4-door-suv/2020

Rates by Driver Age

Acura MDX Insurance Rates by Driver Age
Driver Age Premium
16 $5,248
20 $3,286
30 $1,514
40 $1,448
50 $1,320
60 $1,292

Full coverage, $500 deductibles

Rates by Deductible

Acura MDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,840
$250 $1,660
$500 $1,448
$1,000 $1,242

Full coverage, driver age 40

Rates by Liability Limit

Acura MDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,448
50/100 $1,568
100/300 $1,666
250/500 $1,919
100 CSL $1,607
300 CSL $1,822
500 CSL $1,978

Full coverage, driver age 40

Rates for High Risk Drivers

Acura MDX Insurance Rates for High Risk Drivers
Age Premium
16 $7,492
20 $5,218
30 $3,172
40 $3,098
50 $2,950
60 $2,922

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 $195

Potential Rate Discounts

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

Discount Savings
Multi-policy $77
Multi-vehicle $73
Homeowner $21
5-yr Accident Free $105
5-yr Claim Free $92
Paid in Full/EFT $66
Advance Quote $70
Online Quote $103
Total Discounts $607
Rate after discounts $841

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

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