Acura RDX 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 22, 2024

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Acura RDX insurance

How much does an Acura RDX cost to insure? On average, Acura RDX insurance cost for full coverage average $1,292 a year, or $107 a month. Our guide breaks down Acura RDX car insurance so drivers can easily find savings. Learn more.

Enter your ZIP code in our free tool to get started on comparing Acura RDX insurance rates and find out how much is an Acura RDX to insure.

Estimated insurance prices for an Acura RDX are $1,038 every 12 months for full coverage insurance. Comprehensive insurance costs on average $198, collision insurance costs $310, and liability coverage costs $394. A policy with only liability insurance costs as little as $440 a year, and a high-risk policy costs $2,238 or more. Teen drivers pay the most at up to $4,010 a year.

Average premium for full coverage: $1,038

Premium estimates by type of coverage:

Comprehensive $198
Collision $310
Liability $394

Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all RDX models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for an Acura RDX range from the cheapest price of $440 for just liability insurance to the much higher price of $2,238 for a driver that may need high-risk insurance.

Liability Only $440
Full Coverage $1,038
High Risk $2,238

Insurance Price Range by Location

Your location has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas. The example below illustrates how your location can change car insurance rates.

Rural Areas $779
Small Cities $1,090
Large Cities $1,401

These rate differences illustrate why everyone should compare rates based on a specific location and their own driving history, rather than using 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 Details

The chart below illustrates average Acura RDX insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $613
  • Drivers who choose higher $1,000 deductibles will pay around $116 each year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,038
  • Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $222 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,238
  • An auto insurance policy to insure a teenage driver for full coverage may cost $4,010 a year

View Chart as Image

Acura RDX insurance cost comparison chart
Column chart showing Acura RDX insurance prices range from $613 to $4,010 for full coverage

Car insurance prices for an Acura RDX also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your RDX.

Choosing high deductibles could save up to $340 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $354 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,700 extra annually, depending on your age. Acura RDX insurance for high-risk drivers can cost around 42% to 128% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Acura RDX insurance rates. A 40-year-old driver could pay as low as $680 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,400 on average in Michigan, New York, and Florida.

Acura RDX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $938 -$100 -9.6%
Alaska $794 -$244 -23.5%
Arizona $860 -$178 -17.1%
Arkansas $1,038 -$0 0.0%
California $1,182 $144 13.9%
Colorado $990 -$48 -4.6%
Connecticut $1,066 $28 2.7%
Delaware $1,172 $134 12.9%
Florida $1,296 $258 24.9%
Georgia $958 -$80 -7.7%
Hawaii $746 -$292 -28.1%
Idaho $704 -$334 -32.2%
Illinois $772 -$266 -25.6%
Indiana $784 -$254 -24.5%
Iowa $698 -$340 -32.8%
Kansas $984 -$54 -5.2%
Kentucky $1,414 $376 36.2%
Louisiana $1,536 $498 48.0%
Maine $640 -$398 -38.3%
Maryland $858 -$180 -17.3%
Massachusetts $828 -$210 -20.2%
Michigan $1,800 $762 73.4%
Minnesota $868 -$170 -16.4%
Mississippi $1,242 $204 19.7%
Missouri $920 -$118 -11.4%
Montana $1,112 $74 7.1%
Nebraska $816 -$222 -21.4%
Nevada $1,244 $206 19.8%
New Hampshire $746 -$292 -28.1%
New Jersey $1,160 $122 11.8%
New Mexico $918 -$120 -11.6%
New York $1,092 $54 5.2%
North Carolina $598 -$440 -42.4%
North Dakota $852 -$186 -17.9%
Ohio $714 -$324 -31.2%
Oklahoma $1,064 $26 2.5%
Oregon $952 -$86 -8.3%
Pennsylvania $986 -$52 -5.0%
Rhode Island $1,382 $344 33.1%
South Carolina $942 -$96 -9.2%
South Dakota $876 -$162 -15.6%
Tennessee $908 -$130 -12.5%
Texas $1,250 $212 20.4%
Utah $766 -$272 -26.2%
Vermont $710 -$328 -31.6%
Virginia $620 -$418 -40.3%
Washington $798 -$240 -23.1%
West Virginia $952 -$86 -8.3%
Wisconsin $718 -$320 -30.8%
Wyoming $924 -$114 -11.0%

View Chart as Image

Acura RDX insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Acura RDX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Acura RDX 2WD $1,012 $84
Acura RDX AWD $1,012 $84
Acura RDX Technology Package 2WD $1,064 $89
Acura RDX Technology Package AWD $1,064 $89

Rates assume 2015 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 RDX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Acura RDX $294 $512 $332 $1,274
2023 Acura RDX $282 $506 $338 $1,262
2022 Acura RDX $272 $494 $354 $1,256
2021 Acura RDX $262 $474 $364 $1,236
2020 Acura RDX $248 $458 $376 $1,218
2019 Acura RDX $238 $424 $384 $1,182
2018 Acura RDX $230 $400 $388 $1,154
2017 Acura RDX $220 $358 $390 $1,104
2016 Acura RDX $206 $330 $390 $1,062
2015 Acura RDX $198 $310 $394 $1,038
2014 Acura RDX $194 $288 $402 $1,020
2013 Acura RDX $180 $268 $402 $986
2011 Acura RDX $162 $222 $402 $922
2010 Acura RDX $152 $202 $402 $892
2008 Acura RDX $146 $178 $390 $850
2007 Acura RDX $144 $168 $384 $832

Rates are averaged for all Acura RDX 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 More Affordable Acura RDX Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around once a year by requesting quotes from direct insurance companies, and also from several local insurance agents.

Below is a summary of the data that was illustrated above.

  • It is possible to save as much as $120 per year just by quoting online well ahead of the renewal date
  • Consumers who require higher levels of liability will pay about $430 annually to go from 30/60 bodily injury limits to a 250/500 level
  • Teenage drivers are expensive to insure, with premiums being up to $334 per month if the policy includes full coverage
  • Drivers who have multiple accidents or major violations pay on average $1,200 more each year for auto insurance

Frequently Asked Questions

  • Is the Acura RDX expensive to insure? The estimated price for the average middle-age driver who has $500 deductibles is $1,292.
  • How much does it cost to fill up an Acura RDX? According to FuelEconomy.gov the Annual Acura RDX Fuel Cost is $1,750.
  • Is the 2020 Acura RDX a good car? It’s an all around good car in the luxury compact SUV category.
  • What is the Acura RDX cost of ownership? According to RepairPal.com, “Cost. The average total annual cost for repairs and maintenance on a Acura RDX is $497, compared to an average of $859 for luxury compact SUVs and $652 for all vehicle models.” Plus your insurance cost and any loan you may have on your Acura RDX.
  • What is the Acura RDX depreciation? According to CarEdge.com, “On average, expect to pay only 53% of the original cost with 67% of the vehicle’s lifetime remaining for a 2016 RDX.”
  • What are the Acura RDX maintenance cost? See above from RepairPal
  • Are Acura RDX expensive to maintain? Not more than other vehicles in its category.

To find the cheapest Acura insurance, make sure to compare rates. Doing so will allow you to compare multiple models, such as 2020 Acura costs, 2018 RDX costs, or the 2019 Acura RDX cost to own and insurance prices.

So if you are ready to find out the cost of Acura RDX 2016 insurance or Acura RDX 2013 cost of insurance, enter your ZIP code in our free tool below.

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What are the Acura RDX safety ratings?

The Acura RDX cost to own can be cheaper if there are multiple safety features and good safety ratings, as insurers will offer discounts. The Acura RDX has some great safety features, such as vehicle stability assist, brake assist, automatic brake hold, and more.

The Insurance Institute for Highway Safety (IIHS) has also crash-tested the Acura RDX and awarded it a 2020 Top Safety Pick award.

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

Watch the video below for an example of one of the Acura RDX’s crash tests.

Acura RDX Compared Against Other Vehicles in the Same Class

The Acura RDX is a midsize luxury SUV, which can affect it’s liability rates. The IIHS recorded the liability losses for property damage as better than average and the bodily injury losses as substantially better than average.

Curious to see how other midsize SUV’s rates compare to the Audi RDX or want to know what the least expensive Acura is? Check out the midsize luxury SUVs below.

Ready to start shopping to find out everything from are Acura RDX expensive to maintain insurance to Acura RDS 2105 deals on insurance and 2016 RDX prices paid for insurance? Enter your ZIP code in our free tool below for help finding Acura RDX insurance rates.

References

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

Rates by Driver Age

Acura RDX Insurance Rates by Driver Age
Driver Age Premium
16 $4,010
20 $2,378
30 $1,070
40 $1,038
50 $952
60 $934

Full coverage, $500 deductibles

Rates by Deductible

Acura RDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,260
$250 $1,158
$500 $1,038
$1,000 $922

Full coverage, driver age 40

Rates by Liability Limit

Acura RDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,038
50/100 $1,143
100/300 $1,241
250/500 $1,497
100 CSL $1,182
300 CSL $1,399
500 CSL $1,557

Full coverage, driver age 40

Rates for High Risk Drivers

Acura RDX Insurance Rates for High Risk Drivers
Age Premium
16 $5,688
20 $3,788
30 $2,272
40 $2,238
50 $2,134
60 $2,114

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 $142

Potential Rate Discounts

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

Discount Savings
Multi-policy $54
Multi-vehicle $55
Homeowner $17
5-yr Accident Free $70
5-yr Claim Free $66
Paid in Full/EFT $43
Advance Quote $48
Online Quote $72
Total Discounts $425
Rate after discounts $613

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

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