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Acura RDX Car Insurance

  • The average cost to insure a Acura RDX is $2,083 a year
  • The year, trim level, and where you live are all factors that affect your rate

No phone or email required. Seriously.

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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

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Written by Alyssa DiCrasto
Picture of Edited by <a href="https://rateretriever.com/about/rob-deming/"><span style="text-decoration: underline;">Rob Deming</span></a>
Edited by Rob Deming

Last updated: June 13th, 2024

Picture of Written by <a href="https://rateretriever.com/about/alyssa-dicrasto/"><span style="text-decoration: underline;">Alyssa DiCrasto</span></a>
Written by Alyssa DiCrasto
Picture of Edited by <a href="https://rateretriever.com/about/rob-deming/"><span style="text-decoration: underline;">Rob Deming</span></a>
Edited by Rob Deming

Last updated: July 3rd, 2024

What's on this page?

How much does it cost to insure a Acura RDX?

The cost of car insurance for an Acura RDX is just about the same as the average cost for all cars. However, newer models of the Acura RDX may have higher insurance costs because they are worth more and repairs can cost more too. The trim level of the vehicle can also affect insurance rates, with higher trim levels costing more to insure. Features like advanced safety technology and anti-theft devices may make the vehicle less expensive to insure, while additions like a powerful engine or luxury features may make it more expensive. Overall, the Acura RDX is not considered to be particularly expensive or cheap to insure compared to other cars.

See what it would cost to insure your Acura RDX at the top insurance companies near you >

Acura RDX Insurance Cost by Company

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

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Factors that impact Acura RDX insurance cost

When it comes to the vehicle you drive, the year, trim level, and safety features of your RDX will impact the price you pay for car insurance.

Why does my vehicle impact my car insurance rates?

Car insurance companies consider many factors when coming up with the price they’ll charge you for a policy. Your vehicle is an important one of these factors. You will typically pay less if your vehicle:

    • Is less likely to get in an accident (usually due to safety features such as Electronic Stability Control or lane departure)
    • Is cheaper to repair because it’s a popular or base model
    • Has less value because it’s an older model
    • Is cheaper to replace than other similar vehicles
    • Is less likely to be stolen or broken into
  • On the other hand, you can expect to pay more for your insurance if your vehicle has a high value or expensive features, modifications, or replacement parts. Vehicles with a high theft rate are also usually more expensive to insure.

    Beyond your vehicle itself, insurance companies may also look at your driving habits: how much you drive and what you use your car for. Drivers who use their cars for business or rideshare may pay higher insurance rates. Whereas drivers who have a low annual mileage might pay less.

    Acura RDX Insurance Cost by Trim Level

    The trim level of your RDX will impact the price you pay for insurance. Some trim levels will have new safety features that could get you a discount, depending on your insurance company. Other trim levels add features that will increase the value of your RDX, which will make it more expensive to repair or replace – and insure.

    Compare the base model Acura RDX to your trim level to see how the trim might impact your rates.

    Acura RDX Insurance Cost by Model Year

    The model year of your Acura RDX will also impact the cost of car insurance. Generally, newer models cost more to insure than older models. A 2023 RDX costs about $1,941 to insure on average, so you can expect older model years to be less expensive.

    The table below shows the average cost to insure different RDX model years in 2024.

    Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

    Acura RDX vs other Compact SUVs

    If you’re in the market for a Compact SUV, it’s a good idea to see how the Acura RDX stacks up when it comes to insurance. In general, luxury and performance vehicles will be the most expensive to insure in a vehicle class. Economy brands usually have the cheapest insurance rates.

    See how expensive it is to insurance a Acura RDX compared to popular other Compact SUVs.

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    What car insurance do you need for your Acura RDX? 

    The car insurance you need depends on where you live, if you own your Acura RDX, and your personal needs.

    Almost every state has regulations around the minimum coverage types and limits you need. However, you may want more coverage than your state’s requirements, or your lender may have requirements for how much insurance you need.

    These are some common types of car insurance coverage you can consider:

    1. Liability coverage

    In almost every state, liability coverage is required by law. Liability insurance helps cover damage to property and others in an accident you cause.

    2. Collision insurance

    Collision insurance helps cover damage to your own property in an accident you cause. Collision insurance has a deductible which you have to pay before your insurance kicks in to cover the rest of a claim. If you lease or finance your Acura RDX, you may be required to carry collision coverage.

    3. Comprehensive insurance

    Comprehensive insurance helps cover damage to your property caused by a non-collision incident. Covered incidents usually cover things like weather damage, theft, or hitting an animal. Comprehensive insurance also has a deductible, and your lender may require you to have this coverage if you lease or finance your Acura RDX.

    4. PIP or Medical Payments

    In some states, Personal Injury Protection (PIP) or Medical Payments coverage is required. This helps cover medical expenses if you or your passengers are injured in an accident.

    5. Uninsured/Underinsured motorist coverage

    This type of coverage (required in some states) helps cover repairs to your property if you are in an accident with an uninsured driver. This also usually covers hit and run accidents.

    6. Additional coverage or endorsements

    The vehicle you drive plays a key role in the price you pay for insurance. However, other factors like where you live, your age, driving record, and many more also factor into the price of your policy. Here are some ways to try to bring the price you pay to insure your RDX down:

      • Gap insurance (which covers the difference between your Acura RDX’s actual cash value and the amount you owe on your loan)
      • Rental car reimbursement
      • Roadside assistance coverage

    How can you save money on insurance for your Acura RDX? 

    While the vehicle you drive plays a key role in the price you pay for insurance, other factors like where you live, your age, driving record, and more will also factor into the price of your premium. Here are some ways to try to bring the price you pay to insure your Acura RDX down:

      • See if you qualify for discounts like a homeowner, multi-vehicle, or good driver discount
      • Look for companies that have discounts for the safety ratings your features that come with your Acura’s model year and trim level
      • Consider increasing your deductible, but only if you can afford the new deductible out-of-pocket if you need to make a claim
      • Take a defensive driving course (make sure your insurance company offers a discount for course completion)
      • Maintain a clean driving record and practice safe driving

    The only way to know you’re not overpaying for car insurance:

    • Rates are highly personalized, so the best way to save money on car insurance is to compare quotes from several insurance companies. Shopping around helps you find the cheapest premium for you.
    How much should I expect to pay to insure my Acura?

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    Frequently asked questions

    How much is insurance on a Acura RDX?

    The average annual cost of car insurance for a 2023 Acura RDX with base trim is $2,083. However, the price you'll pay for car insurance will vary based on where you live, what coverage you want, and personal factors like your age and credit score.

    Is Acura RDX expensive to insure?

    The Acura RDX is slightly less expensive to insure, costing about $40 less on average compared to the average cost of car insurance.

    How can I get cheaper car insurance?

    One way you can try to get cheaper car insurance is simply to get quotes from multiple providers. This will help you determine what company has the cheapest rates for you based on your needs and driver profile. You can also check with your provider to see if there are any discounts you qualify for or can reasonably earn.

    Methodology

    Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

    For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.

    These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

    About Rate Retriever

    At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

    So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

    Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

    We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.