Acura Car Insurance: How Much Is Acura Insurance? 2024
The average monthly cost to insure an Acura is $197, totaling around $2,371 annually.
We’ve saved shoppers an average of $600 per year on their car insurance.
Acura was established by Honda as a luxury vehicle division. Launched back in 1986, it produces luxury and performance automobiles. The cost of insuring an Acura depends on several factors. Your age, driving record, and location play a major role in determining your car insurance premium.
Insurance companies use this information to assess the risk of insuring your Acura. The average cost to insure an Acura is $2,371 per year.
How Much Does Acura Insurance Cost?
On average, the monthly cost to insure an Acura is $197, totaling around $2,371 annually. However, the cost that you pay for car insurance will depend on various factors, such as your age, location, driving history, and your car model.
Average Acura Insurance Cost By Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring an Acura, across all models, is $2,371 per year.
The Acura RDX is the cheapest model to insure, at $2,150 per year. On the other hand, the Acura ILX is the most expensive, at an average of $2,440 per year.
Use the table below to compare insurance rates for Acura models.
| Acura Model | Average Yearly Rate |
| Acura ILX | $2,440 |
| Acura MDX | $2,330 |
| Acura RDX | $2,150 |
| Acura RLX | $2,505 |
| Acura TLX | $2,428 |
Remember that these figures are just averages, and the actual cost can vary depending on your location, age, driving history, and the coverage you choose.
Are Acuras Expensive To Insure?
The national average cost of car insurance is $156 per month. In comparison, the average cost of insuring an Acura, across all models, is $197 per month, which is quite a bit higher.
With that being said, insurance costs are more model-specific, rather than being decided at the brand level, so you’ll need to look at rates at a more granular level.
Acura ILX Insurance Cost
Across all Acura ILX model years, the average yearly insurance rate is $2,305. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 Acura ILX | $3,277 |
| 2022 Acura ILX | $1,457 |
| 2021 Acura ILX | $1,389 |
| 2020 Acura ILX | $2,591 |
| 2019 Acura ILX | $2,813 |
Acura MDX Insurance Cost
The average cost of insuring an Acura MDX, across all model years, is $1,127. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Acura MDX | $1,520 |
| 2023 Acura MDX | $1,271 |
| 2022 Acura MDX | $1,164 |
| 2021 Acura MDX | $853 |
| 2020 Acura MDX | $1,080 |
Acura RDX Insurance Cost
Insuring an Acura RDX, across all model years, costs an average of $1,265 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Acura RDX | $1,912 |
| 2023 Acura RDX | $1,095 |
| 2022 Acura RDX | $835 |
| 2021 Acura RDX | $947 |
| 2020 Acura RDX | $1,538 |
Acura RLX Insurance Cost
On average, you can expect to pay $2,390 for annual Acura RLX car insurance, across all model years. Use the table below to compare rates for different model years.
| Model And Year | Average Yearly Premium |
| 2020 Acura RLX | $1,645 |
| 2019 Acura RLX | $1,769 |
| 2018 Acura RLX | $2,392 |
| 2017 Acura RLX | $1,529 |
| 2016 Acura RLX | $4,617 |
Acura TLX Insurance Cost
The average annual insurance cost for an Acura TLX, across all model years, is $1,602. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Acura TLX | $2,866 |
| 2023 Acura TLX | $1,463 |
| 2022 Acura TLX | $1,213 |
| 2021 Acura TLX | $1,288 |
| 2020 Acura TLX | $1,182 |
Cheapest Car Insurance Companies For Acuras
The cost of your Acura car insurance policy will depend on the company that you choose. NJM offers the cheapest rates for insuring an Acura, at $1,411 per year.
Use the table below to compare cheap full-coverage rates for an Acura RDX.
| Company | Average Annual Premium |
| Nationwide | $1,523 |
| GEICO | $1,964 |
| NJM | $1,411 |
| USAA | $2,269 |
| Auto-Owners | $1,573 |
Acura Car Insurance Cost – By Driver Age
The rates you pay to insure an Acura will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents.
As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.
| Age | Average Annual Rate |
| 17 | $8,017 |
| 18 | $7,484 |
| 19 | $6,611 |
| 20 | $5,765 |
| 21 | $4,835 |
| 22 | $4,697 |
| 23 | $4,127 |
| 24 | $3,921 |
| 25 | $3,372 |
| 30 | $2,621 |
| 35 | $2,472 |
| 40 | $2,361 |
| 45 | $2,308 |
| 55 | $2,104 |
| 65 | $2,199 |
| 75 | $2,788 |
Average Acura Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| NJM | $85 |
| Nationwide | $95 |
| GEICO | $97 |
| Auto-Owners | $100 |
| USAA | $101 |
Average Acura Car Insurance Rates – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,511 |
| Alaska | $2,070 |
| Arizona | $2,342 |
| Arkansas | $2,581 |
| California | $2,857 |
| Colorado | $2,682 |
| Connecticut | $3,415 |
| Delaware | $2,832 |
| Florida | $3,364 |
| Hawaii | $1,100 |
| Idaho | $1,897 |
| Illinois | $1,993 |
| Indiana | $2,054 |
| Iowa | $1,613 |
| Kansas | $2,150 |
| Kentucky | $3,120 |
| Louisiana | $4,000 |
| Maine | $1,519 |
| Maryland | $2,452 |
| Massachusetts | $1,957 |
| Michigan | $4,748 |
| Minnesota | $1,943 |
| Mississippi | $2,358 |
| Missouri | $2,225 |
| Montana | $2,254 |
| Nebraska | $1,917 |
| Nevada | $3,157 |
| New Hampshire | $2,180 |
| New Jersey | $2,411 |
| New Mexico | $2,468 |
| New York | $2,284 |
| North Carolina | $1,425 |
| North Dakota | $1,934 |
| Ohio | $1,719 |
| Oklahoma | $2,762 |
| Oregon | $2,500 |
| Pennsylvania | $2,107 |
| Rhode Island | $3,520 |
| South Carolina | $2,403 |
| South Dakota | $2,159 |
| Tennessee | $2,537 |
| Texas | $2,548 |
| Utah | $2,174 |
| Vermont | $1,662 |
| Virginia | $1,564 |
| Washington | $2,089 |
| West Virginia | $2,085 |
| Wisconsin | $2,084 |
| Wyoming | $1,956 |
| Georgia | $2,747 |
How To Save Money On Acura Car Insurance
Owning an Acura comes with various expenses, and car insurance is one of the biggest. However, you can still find ways to save on your insurance. Here’s how:
Maintain a Clean Driving Record
Your driving history is crucial for insurance companies when determining your premium. By avoiding accidents and traffic tickets, you show insurers that you’re a low-risk driver, which can significantly lower your insurance costs.
Bundle Your Policies
Many insurers offer discounts if you combine multiple policies, like home and auto insurance. This not only simplifies managing your insurance but also saves you money on premiums.
Raise Your Deductible
Increasing your deductible—the amount you pay out of pocket before your insurance kicks in—can lower your premium. Just ensure you can afford the higher deductible if you have an accident.
Install Safety Features
Acura vehicles come with many safety features, but adding extras like anti-theft devices can further reduce your insurance costs by lowering the risk of theft and damage.
Take Advantage of Discounts
Insurance companies often offer discounts for things like being a good student, having a clean driving record, or completing a defensive driving course. Ask your insurer about any discounts you might qualify for.
Shop Around
Insurance premiums can vary widely between different providers. It’s important to compare quotes and choose the insurer that offers the best value for your needs.
Consider Usage-Based Insurance
If you don’t drive your Acura often, think about usage-based insurance. This type of policy bases your premium on how much you drive, potentially saving you money if your Acura isn’t your main vehicle.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results.
FAQs
What Is The Most Expensive Acura Model To Insure?
At $2,440 per year, the Acura ILX is the most expensive Acura model for car insurance.
What Is The Cheapest Acura Model To Insure?
The Acura RDX is the cheapest model for car insurance, at $2,150 per year.
