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How Much is Acura Car Insurance?

Written by Elizabeth Rivelli

Reviewed by Alyssa DiCrasto

Last updated: February 26th, 2024

On average, Acuras cost between $2,060 – $2,240 a year to insure. The price you will pay for Acura insurance will depend on the model, year, and trim of your vehicle as well as personal factors like where you live.

What does it cost to insure my Acura?

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Acura has an extensive lineup of luxury vehicles that fit a wide variety of needs and budgets. If you own an Acura or are thinking about buying one, you might be wondering about the cost of Acura insurance and which insurance companies are the best. In this article, we’ll look at the average rates for some popular Acura models, share which carriers are the best and cheapest, and provide a few tips for reducing your Acura insurance cost. 

Acura sedan

Are Acuras expensive to insure?

Acura is owned by Honda and is considered to be a luxury vehicle brand. Because Acura manufactures high-value vehicles and sells them at relatively high prices, many Acuras can be expensive to insure. In general, cars with a higher value and more expensive repair costs have higher insurance premiums because it requires a bigger payout in the event of a claim.

Based on our analysis of recent rate data, the average cost of insurance for the most popular Acura models falls between $2,062 per year and $2,241 per year for a full coverage insurance policy. While it might be difficult to find an Acura insurance policy that costs less than $2,000 per year, it’s important to remember that car insurance rates are personalized for each driver.

When you apply for auto insurance, some of the factors that insurance companies use to calculate your rate include your location, age, credit score, driving record, vehicle type, annual mileage, coverage limits, and deductibles. As a result, you could pay higher or lower rates for Acura car insurance depending on your individual situation.

Average Acura insurance rates by model

According to our rate data, Acuras cost about average to insure. The average cost of car insurance among popular 2023 models in the U.S. is $2,123 per year. The average cost of full coverage car insurance for a 2023 Acura MDX is about $100 more expensive a year than the average 2023 vehicle while a 2023 Acura RDX comes in a bit below average.

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. 

Insurance for popular Acura models

Acura MDX insurance cost

The average car insurance premium for an Acura MDX is $2,241 per year or roughly $186 per month. The MDX is the brand’s premium SUV, with a starting MSRP of $49,850. The vehicle was named a Top Safety Pick+ from the Insurance Institute for Highway Safety (IIHS), which means it has excellent safety features and crash ratings.

See how much it costs to insure a Acura MDX >

Acura RDX insurance cost

The average cost of car insurance for a 2023 Acura RDX is $2,062 per year, which is about $171 per month. The RDX is a luxury crossover SUV with a starting price of $41,750 for the base model. Acura’s RDX was also named a Top Safety Pick+ by the IIHS, with good safety ratings in almost every category. 

See how much it costs to insure a Acura RDX >

Cheapest car insurance companies for Acura

When shopping for Acura insurance, it’s a good idea to compare several different insurance companies based on your personal needs. However, some insurance companies stand out among the rest. Here is what it costs on average to insure an Acura at top national insurance companies: 

Average cost of Acura car insurance at popular car insurance companies

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. 

When comparing car insurance providers, it’s a good idea to consider coverage types and endorsements, deductible options, and discounts. You might also see what customer service options are available and what mobile/online tools there are.  

Finally, review each company’s third-party ratings from organizations like J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC). These ratings will help you gauge a company’s overall customer satisfaction, financial stability, and company complaints.

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How to get cheap Acura auto insurance

The cost of Acura insurance is different for every person. But if you want to reduce your car insurance premium, there are plenty of ways to save money. Here are some tips for getting cheaper Acura auto insurance: 

  • Ask about discounts: Most car insurance companies offer discounts that can lower your car insurance premium. You can often find savings for claim-free drivers, smart students, taking a defensive driving course, insuring a car with certain safety features, and insuring multiple cars on the same policy. 
  • Choose higher deductibles: For car insurance policies that require a deductible, like collision and comprehensive insurance, picking a higher deductible will result in a lower monthly premium. Just be sure you’ll be able to comfortably pay your deductible out-of-pocket, if necessary. 
  • Pay in full: Many car insurance providers will give you a small discount if you pay your annual premium upfront and in full. 
  • Bundle your policies: Purchasing multiple car insurance policies from the same insurer, like car insurance and homeowners insurance, usually results in a significant discount on your premium.  
  • Compare rates: The cost of car insurance is different for everyone. To find the most affordable policy for your situation and coverage needs, you should compare rates from multiple companies. You can take our short quiz to see how much you can expect to pay to insure your Acura.

Frequently asked

Why is Acura car insurance so expensive?

Acura car insurance can be expensive because they are luxury vehicles. High-value vehicles tend to have higher insurance premiums because they are more expensive to repair and replace in the event of a physical damage claim. Insurance companies have to provide much larger settlements for luxury cars, so they charge customers more for insurance coverage.

Are Acuras expensive to own?

In general, Acuras aren’t too expensive to own. The cars are generally reliable and have low repair costs compared to other luxury vehicle brands. However, the cost of owning an Acura depends on variable costs like gas, insurance, parking, and routine maintenance. Owning an Acura will be more expensive for some people than for others.

Is Acura a high maintenance car?

Acuras tend to have relatively low maintenance costs compared to other high-end cars. According to RepairPal, Acura’s reliability rating is 4 out of 5, and it ranks 2nd out of 32 car brands for reliability. The average cost of repairs for an Acura is $501 per year, which is only slightly above average.

How much should I expect to pay to insure my Acura

Personalized rate estimates at the top insurance companies in your state

Your rates will vary based on where you live, your age, and other factors like your driving record


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.