Acura MDX Car Insurance: How Much Should You Expect to Pay?

Acura MDX drivers can expect to pay about $173 monthly for their insurance, if you look at average rates across the U.S. Take a look at our comprehensive guide to learn about how much car insurance companies might charge you to insure your Acura MDX.

Quick Facts

  • Insuring an Acura MDX costs about the same as insuring the average SUV.
  • Full coverage auto insurance for a MDX tends to be about $155 per month, on average, while liability only insurance generally averages around $85 a month.
  • Workmens offers the most affordable average rates for a MDX with liability only coverage offered for as low as just $37 monthly.

MDX Overview

With new 2022 models starting at $51,600, the Acura MDX is a high-end SUV on the more expensive end of the spectrum. You'll have your choice of five different trim levels, so you'll drive off the dealership lot in style.

Based on looking at thousands of car insurance quotes from Compare.com, we've found that Acura MDX insurance premiums are about $173 a month, on average. But how does that stack up to other similar SUVs out there on the market?

Current Base Price$51,600
Body Style(s)SUV
Trim LevelsTYPE S, MDX, TECHNOLOGY, A-SPEC, ADVANCE
Average Insurance Premium$173/mo.
Cheapest Insurance CompanyWorkmens

How Much is Car Insurance for an Acura MDX?

Vehicle Liability Only Full Coverage
Acura MDX$85$155
All Acura Models$90$176
All SUVs$80$151
Average Insurance Premium$81$169

Looking at the table above, you can see that compared to other vehicles, Acura MDX insurance prices are right around average. MDX owners normally pay about $85 per month for liability insurance, and around $155 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference).

When you compare it to other Acura models, the MDX is cheaper, with rates more than 10% lower than the rest of the automaker's vehicle offerings. Compared to SUV offerings from other brands, auto insurance for a MDX is similarly on the expensive side, with full coverage insurance prices coming in about $4 more and $5 more for liability only insurance.

When compared to all vehicles, regardless of make, body style, or model, the MDX has higher premiums than average for both liability only and full coverage insurance.

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Who has the Cheapest Car Insurance for an Acura MDX?

Insurance Company Average Monthly Premium
AnswerFinancial$36
Workmens$37
MetLife$39
Hugo$39
Gainsco$41

If you're looking for an auto insurance policy for an Acura MDX, you're likely wondering which company offers the lowest premiums. Even though there will never be one carrier that offers the lowest rates for everyone, AnswerFinancial has the cheapest average rates for liability only coverage, with rates sometimes as little as $36 monthly. The next most affordable company is Workmens, who offers auto insurance as little as just $37 per month.

MetLife, Hugo, and Gainsco finish off the rest of the top 5. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance companies use a whole range of variables and complex formulas to calculate rates. There's only one way to make sure you find the lowest possible rates, and that's by checking quotes from multiple car insurance carriers.

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What Factors Affect Car Insurance Rates for an Acura MDX?

As we mentioned above, there are a whole range of things that insurance companies use to determine how much they charge for a policy -- and each carrier weighs different pieces more heavily than others, so there's not a singular company that's the cheapest for every MDX driver.

The following sections show a bunch of factors auto insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$81
2-3 Years$77
4-5 Years$83
6-7 Years$71
8-10 Years$81
11-14 Years$87
15 Years or Older$88

Acura has been making the MDX for quite some time -- and that means the car's age may make a big difference in how much you'll pay for car insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and MDXs begin to depreciate, insurance costs will gradually get lower.

As you can see in the information above, the Acura MDX does not follow this trend, as the cheapest models to insure are those that are 6 to 7 years old, while the most expensive models are 15 years old or more, on average.

Your Age

Age Average Monthly Premium

How old you are makes a significant difference in how much auto insurance companies will charge you. As you can see in the table above, young drivers have more expensive prices than those who have more experience on the road. In this case, drivers under 18 pay $30 more than those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group for MDX drivers being 65 years and older.

Your Gender

Gender Average Monthly Premium
Male$86
Female$84

Women tend to pay less for car insurance than men. This is because men are more likely to get into collisions and get speeding tickets, which increases the chances of an insurance claim. The Acura MDX sticks to the norm, where women pay around $2 less than men monthly for insurance.

Where You Live

State Average Monthly Premium
California$55
Florida$122
Georgia$110
Illinois$41
New York$192
North Carolina$61
Ohio$58
Pennsylvania$76
Texas$62
Virginia$63

You might think it's common sense that things such as how old you are and what vehicle you drive play a role in your auto insurance rates, but you may not realize that where you live matters, too. Auto insurance is regulated at the state level, so premiums can differ quite a bit depending on which state you call home.

For example, the average Acura MDX owner in New York pays about $192 per month for liability coverage, while on average, the same driver in California will pay less than half of that price. The chart shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change depending on where you live.

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Acura MDX Car Insurance Discounts

No matter how old you are, what car you drive, or what state you call home, using as many discounts as possible when it comes to your insurance is always important when shopping around for a new policy.

Even though all car insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

  • Defensive driving discounts for taking a defensive driving class through a certified school or institution
  • Multi-vehicle discounts for adding more than one car to your auto policy
  • Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
  • Multi-policy discounts for getting both your home and auto policies from the same insurance carrier

However, discounts aren't the only way to save. Some of the best ways to save are just by having a good driving history and positive insurance profile.

Although you may not be able to control every factor auto insurance carriers take a look at to calculate premiums (like some of the ones mentioned above), there are quite a few that are in your control. Below are just a few of the factors you can use in your favor in order to save money on car insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$112
Multiple Accidents$131
1 Ticket$103
Multiple Tickets$138

You've probably observed ads from insurance companies posting big discounts for safe drivers. It shouldn't come as a surprise that your car insurance prices will go higher if you get tickets for speeding or get into an accident. But you still might be left wondering exactly how much these infractions will cost you.

According to the table above, accidents will usually cost MDX drivers more than tickets, but both will result in a raise in rates. Acura MDX drivers with a single accident on their record pay about $112 a month (up $27 from the $85/mo. overall average), while drivers with one ticket will pay an average of $103 a month. Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$84
2,501-5,000 Miles$74
5,001-7,500 Miles$80
7,501-10,000 Miles$91
10,000+ Miles$83

Another variable that affects your auto insurance premiums is how much you drive each year. Drivers who are on the roads less are more likely to go accident-free, so they'll typically end up paying less for insurance. Above, you can see that Acura MDX owners who drive between 7,500 and 10,000 miles pay $91 for car insurance, while those who drive between 2,500 and 5,000 miles per year pay an average of $74 per month.

If you happen to be one of those drivers who put very few miles on your Acura MDX each year, it may be worth reviewing usage-based or pay-per-mile insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Acura MDXs Compare to Other Vehicles?

If you're thinking about buying a new SUV and an Acura MDX is on your shortlist, you might want to know how it compares to other vehicles. Insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Visit the table below to see how the Acura MDX compares:

Acura MDX National Average
Liability Insurance$80$81
Full Coverage Insurance$186$169
Base MSRP$51,600$46,192
Average Annual Mileage11,57611,617

Overall, the Acura MDX has an average MSRP and is in line with the going rate for a new vehicle. The average vehicle MSRP in the U.S. is $46,192, and the MDX comes in close to that at $51,600.

But while the purchase price runs about average, auto insurance rates are slightly higher when compared to the rest of the vehicle market. Liability insurance for an Acura MDX is around $1 per month less than average, while full coverage is $17 more monthly.

When it comes to usage, Acura MDX owners drive about the same amount annually as the national average, with 11,576 miles every year compared to 11,617 for all vehicles.

Acura MDX Car Insurance Costs by Model Year

We've gone over many of the variables that can affect how much the average driver pays for insurance. If you're considering purchasing a new MDX, knowing what you'll likely pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

2022 Acura MDX Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$186
Base MSRP$51,600
Cheapest Insurance CompanyDirectGeneral - $28/mo.
Available TrimsADVANCE, A-SPEC, MDX, TECHNOLOGY, TYPE S

If you're in the market for a brand new Acura MDX, you've got plenty of options. With five different trim levels available on this year's MDX, you're sure to find one that suits your style.

When it comes to insuring a MDX, the average 2022 Acura MDX usually costs about $80 a month to insure for liability only and $186 monthly for full coverage. And if you want the cheapest insurance possible, DirectGeneral offers liability only policies for as cheap as $28 a month.

While this gave you a good idea of what the average 2022 MDX will cost to insure, the only way to find out exactly what you'll pay is to get a personalized quote. Luckily, with Compare.com you can get quotes from a variety of carriers at once, all for free. Just enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

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2020 Acura MDX Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$168
Base MSRP$44,500
Cheapest Insurance CompanyMercury - $24/mo.
Available TrimsADVANCE, ADVANCE/PMC EDITION, A-SPEC, MDX, SPORT HYBRID ADVANCE, SPORT HYBRID TECHNOLOGY, TECHNOLOGY

It costs around $80 per month for liability or $168 for a full coverage policy for the 2020 Acura MDX.

Looking for the most affordable policy? Mercury offered liability only coverage for sometimes as low as $24 monthly.

These average prices are a great starting point if you're in the market for a 2020 Acura MDX, but there are a variety of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2019 Acura MDX Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$269
Base MSRP$44,300
Cheapest Insurance CompanyMetLife - $27/mo.
Available TrimsADVANCE, A-SPEC, MDX, SPORT HYBRID ADVANCE, SPORT HYBRID TECHNOLOGY, TECHNOLOGY

You can expect full coverage for a 2019 MDX to run about $269 a month, while liability only coverage will average around $79 per month.

MetLife has rates as low as $27 a month for the 2019 Acura MDX.

Want to know exactly how much you'll pay? Get lots of free customized quotes by just entering your ZIP code below.

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2018 Acura MDX Car Insurance

   
Liability Only Avg. Premium$82
Full Coverage Avg. Premium$152
Base MSRP$44,200
Cheapest Insurance CompanyClearcover - $27/mo.
Available TrimsADVANCE, MDX, SPORT HYBRID ADVANCE, SPORT HYBRID TECHNOLOGY, TECHNOLOGY

2018 Acura MDX drivers can expect to pay an average of $82 per month for liability or $152 for full coverage.

If you're looking for the lowest possible 2018 Acura MDX insurance policy, Clearcover offered the lowest policy we found, with rates as cheap as just $27 monthly.

If you want to find the best prices for auto insurance for a 2018 Acura MDX, enter your ZIP code below and compare quite a few personalized quotes in just a few minutes.

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2017 Acura MDX Car Insurance

   
Liability Only Avg. Premium$93
Full Coverage Avg. Premium$153
Base MSRP$44,050
Cheapest Insurance CompanyMetLife - $25/mo.
Available TrimsADVANCE, MDX, SPORT HYBRID ADVANCE, SPORT HYBRID TECHNOLOGY, TECHNOLOGY

The average cost to insure a 2017 MDX with liability only coverage is $93 a month, while full coverage runs about $153 monthly.

MetLife offered the most affordable policy we found, with rates sometimes as cheap as $25 per month.

Want to find the best rates? Just enter your ZIP code below to get several free customized quotes.

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2016 Acura MDX Car Insurance

   
Liability Only Avg. Premium$87
Full Coverage Avg. Premium$145
Base MSRP$43,015
Cheapest Insurance CompanyMetLife - $25/mo.
Available TrimsADVANCE, MDX, TECHNOLOGY

On average, drivers who own a 2016 Acura MDX can expect to pay $87 to $145 a month for liability only and full coverage insurance, respectively.

We found MetLife offered the cheapest policy, with rates as little as $25 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2015 Acura MDX Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$152
Base MSRP$42,765
Cheapest Insurance CompanyACG - $29/mo.
Available TrimsADVANCE, MDX, TECHNOLOGY

The average cost to insure a 2015 MDX with liability only coverage is $80 monthly, while full coverage runs around $152 per month.

With rates as cheap as just $29 a month, ACG offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2014 Acura MDX Car Insurance

   
Liability Only Avg. Premium$67
Full Coverage Avg. Premium$141
Base MSRP$42,290
Cheapest Insurance CompanyHugo - $18/mo.
Available TrimsADVANCE, MDX, TECHNOLOGY

You can expect full coverage for a 2014 Acura MDX to run about $141 monthly, while liability only coverage will average around $67 per month.

With premiums as little as $18 monthly, Hugo offered the cheapest policy we found for the 2014 Acura MDX.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2013 Acura MDX Car Insurance

   
Liability Only Avg. Premium$101
Full Coverage Avg. Premium$147
Base MSRP$43,280
Cheapest Insurance CompanyStateAuto - $21/mo.
Available TrimsADVANCE, MDX, TECHNOLOGY

2013 MDX drivers can expect to pay an average of $101 a month for liability or $147 for full coverage.

StateAuto has prices as low as $21 monthly for the 2013 Acura MDX.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2012 Acura MDX Car Insurance

   
Liability Only Avg. Premium$69
Full Coverage Avg. Premium$143
Base MSRP$43,030
Cheapest Insurance CompanySun Coast - $24/mo.
Available TrimsADVANCE, MDX, TECHNOLOGY

It costs about $69 per month for liability or $143 for a full coverage policy for the 2012 Acura MDX.

With rates sometimes as low as $24 a month, Sun Coast offered the most affordable policy we found.

What could your auto insurance premium look like? Get multiple customized quotes for free by just entering your ZIP code below.

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2011 Acura MDX Car Insurance

   
Liability Only Avg. Premium$86
Full Coverage Avg. Premium$140
Base MSRP$42,930
Cheapest Insurance CompanyAnchorGeneral - $20/mo.
Available TrimsADVANCE, MDX, TECHNOLOGY

On average, drivers who own a 2011 MDX can expect to pay $86 to $140 monthly for liability only and full coverage car insurance, respectively.

If you're looking for the most affordable 2011 Acura MDX insurance policy, AnchorGeneral offered the cheapest policy we found, with rates sometimes as cheap as $20 a month.

If you want to know exactly how much you can expect to pay for your MDX, just enter your ZIP code below and get several free quotes in minutes.

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2010 Acura MDX Car Insurance

   
Liability Only Avg. Premium$89
Full Coverage Avg. Premium$152
Base MSRP$42,230
Cheapest Insurance CompanyEncompass - $17/mo.
Available TrimsADVANCE, MDX, TECHNOLOGY

It costs around $89 per month for liability or $152 for a full coverage policy for the 2010 Acura MDX.

Encompass offered the lowest policy we found, with rates as low as just $17 a month.

If you want to know exactly how much you can expect to pay for your MDX, just enter your ZIP code below and get free quotes in minutes.

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Acura MDX Insurance FAQs

Is an Acura MDX expensive to insure?

The cost of auto insurance for the Acura MDX is about the same as insuring the average vehicle. Liability insurance runs an average of $85 monthly, while full coverage will cost you around $155.

How can I get the best price on car insurance for my Acura MDX?

The only way to make sure you're getting the most affordable price on insurance is to check prices regularly and compare quotes from a variety of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from many carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Acura MDX affect my insurance rates?

You've probably heard that it costs more to insure red cars than silver or white ones, but that's actually a myth. Although there are lots of variables car insurance companies examine when they decide how much to charge you for insurance, your car's color isn't one of them.

Do I need to have insurance before I buy an Acura MDX?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) MDX off the dealership lot. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but it's best to let your auto insurance company know beforehand.

What car insurance discounts can I get for my Acura MDX?

There are tons of discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the vehicle you drive, but if your MDX has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to find out is to get in touch with your insurance carrier and ask about their list of discounts.

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