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

Acura RSX owners pay around $137 a month for their insurance, on average. Our most recent guide will help you see how much auto insurance carriers might charge you to insure your Acura RSX.
man driving newly insured car
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Quick Facts

  • It costs more to insure an Acura RSX than the average car.
  • Liability car insurance for a RSX comes in at about $91 per month, while full coverage typically runs around $192.
  • CSAA offers the most affordable average rates for a RSX with liability only coverage offered for sometimes as little as $27 monthly.

RSX Overview

Coming in with a base MSRP of $20,325 for 2006 models, the Acura RSX is a great car for all budgets. With two different trim levels currently offered, there's something there for every driver.

We sifted through thousands of insurance quotes on, and we've found that Acura RSX car insurance prices run about $137 per month, on average. How do auto insurance rates for the RSX stack up against other similar cars?

Current Base Price$20,325
Body Style(s)Car
Trim LevelsRSX, TYPE-S
Average Insurance Premium$137/mo.
Cheapest Insurance CompanyCSAA

How Much is Car Insurance for an Acura RSX?

Vehicle Liability Only Full Coverage
Acura RSX$91$192
All Acura Models$90$176
All Cars$83$177
Average Insurance Premium$81$169

If you look at the table above, you'll find that when you compare the Acura RSX to other vehicles, insurance premiums are higher than average. RSX drivers normally pay around $192 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $91 a month for liability only insurance (find out more about the difference with our guide "State Minimum vs. Full Coverage").

When compared to other models, the RSX is slightly more expensive, with prices more than 5% higher than the other vehicle types offered by Acura. Likewise, RSX coverage is higher than average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging more expensive premiums than other cars.

When compared to all vehicles, regardless of model, make, or body style, the RSX follows a similar pattern of having above average insurance rates.

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Who has the Cheapest Car Insurance for an Acura RSX?

Insurance Company Average Monthly Premium
Horace Mann$37

Searching for an auto insurance policy for your Acura RSX? You may want to know which carrier offers the most affordable rates. Even though there will never be one company that offers the cheapest prices for everyone, the lowest average rates for liability only insurance are as little as $27 monthly from CSAA and ACG.

Horace Mann, NYCM, and Empower round out the rest of the top 5 list. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Acura RSX.

Insurance carriers take a whole range of different variables into consideration when calculating monthly premiums. By getting quotes from a variety of auto insurance companies at once, you can guarantee you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for an Acura RSX?

There are a whole range of attributes that car insurance carriers reference to calculate how much they charge for insurance -- and every carrier uses a different algorithm, so there's not a single company that's the lowest for each RSX owner.

Below are just a few of the things auto insurance companies look at and how each one affects your final rate:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 YearNo Recent Models
2-3 YearsNo Recent Models
4-5 YearsNo Recent Models
6-7 YearsNo Recent Models
8-10 Years$73
11-14 Years$86
15 Years or Older$101

The Acura RSX has been around for a while, so vehicle age may make a difference in what you end up paying for car insurance. Normally, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually get lower.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the RSX. However, as you can see in the table above, the most expensive Acura RSXs to insure are those that are 15 years old or more, while the cheapest models are RSXs that are 8 to 10 years old, on average.

Your Age

Age Average Monthly Premium

Age is another variable that makes a big difference in how much you pay for insurance. Based on the information in the table above, those with more experience have more affordable rates than teenage RSX drivers. Acura RSX drivers under 18 actually pay $10 more than those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group for RSX drivers being 55-64.

Your Gender

Gender Average Monthly Premium

Because women are less likely to get speeding tickets and get into accidents, they run a lower risk of filing a claim with insurance. So, insurance carriers will tend to charge women less than men. The Acura RSX sticks to the norm, where men pay about $95 a month for auto insurance, while women pay around $82.

Where You Live

State Average Monthly Premium
New York$241
North Carolina$48

It may be obvious that factors like how old you are and what vehicle you drive play a role in your car insurance premiums, but you may not realize that where you live can be equally important. Because insurance is regulated at the state level, rates shift quite a bit from state to state.

For example, the average Acura RSX driver from New York pays about $241 per month for liability coverage, while on average, the same Californian owner will pay less than 50% of that price. The table above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change between states.

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Acura RSX Car Insurance Discounts

Whatever your car, your age, or your home state, it's always the smart move to take advantage of as many auto insurance discounts as possible.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

  • Multi-policy discounts for using the same insurance company for both your home and car insurance
  • Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
  • Pay-in-full discounts for agreeing to pay your entire policy price up front, rather than by monthly payments
  • Multi-car discounts for insuring more than one of your vehicles with the same carrier

These are just a few of the discounts insurance companies offer, and sometimes, it's actually maintaining a clean driving record or not having recent insurance claims that get you the cheapest rates.

You obviously can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), but you can influence some of it. Below are just a few of the ones you can use to your favor when it comes to saving some cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$105
Multiple Accidents$102
1 Ticket$123
Multiple Tickets$142

You've no doubt noticed ads from auto insurance carriers posting hefty savings for responsible drivers. It follows that your insurance premiums will increase if you get into a collision or get a ticket for speeding. But you're probably wondering exactly how much these infractions can cost you.

You can see from the table above that accidents will usually cost RSX drivers less than tickets, but both will result in above average rates. Acura RSX drivers with one accident on their record pay an average of $105 per month (up $14 from the $91/mo. overall average), while drivers with a single ticket will pay about $123 monthly. The rates only go higher the more tickets you get or accidents you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$111
2,501-5,000 Miles$80
5,001-7,500 Miles$73
7,501-10,000 Miles$90
10,000+ Miles$97

Another factor that affects your auto insurance prices is how much you drive annually. Those who are on the roads less have fewer opportunities to get into an accident, so they'll generally end up paying less for car insurance. In the table above, you can see that Acura RSX owners who drive between 5,000 and 7,500 miles each year pay about $73 a month for auto insurance, while those who put less than 2,500 miles on their cars pay $111.

If you don't drive much because you work from home or have a second vehicle, you might consider getting a usage-based or pay-per-mile car insurance policy. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Acura RSXs Compare to Other Vehicles?

If you're considering buying a new vehicle and an Acura RSX is on your shortlist, you might be wondering how it compares to other cars. Car insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth thinking about carefully.

Check out the table below to see how the Acura RSX stacks up:

Acura RSX National Average
Liability Insurance$88$81
Full Coverage Insurance$231$169
Base MSRP$20,325$29,878
Average Annual Mileage12,38511,617

As you can see, the Acura RSX is pretty much in line with the average vehicle price here in the U.S. The national average vehicle price is $29,878, and the RSX comes in close to that at $20,325. And since there hasn't been a new RSX model on the market recently, used prices will be even lower.

Although the RSX has a pretty average price, insurance rates run above average when compared to the rest of the vehicle market. Full coverage insurance for an Acura RSX is around $62 per month more than average, while liability only coverage is $7 higher per month.

When it comes to usage, Acura RSX drivers are pretty close to the national average in annual miles driven, with 11,617 miles every year for all vehicles compared to the RSX's 12,385 a year.

Acura RSX Car Insurance Costs by Model Year

We've walked through many of the variables that can affect a driver's car insurance prices. But if you're considering buying a new RSX, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your options.

2006 Acura RSX Car Insurance

Liability Only Avg. Premium$88
Full Coverage Avg. Premium$231
Base MSRP$20,325
Cheapest Insurance CompanyClearcover - $25/mo.
Available TrimsRSX, TYPE-S

It costs about $88 monthly for liability or $231 for a full coverage policy for the 2006 RSX.

Looking for the lowest policy? Clearcover offered liability only coverage for sometimes as low as $25 per month.

Interested in what your auto insurance rate could look like? Enter your ZIP code below to get lots of free personalized quotes.

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2005 Acura RSX Car Insurance

Liability Only Avg. Premium$91
Full Coverage Avg. Premium$196
Base MSRP$20,275
Cheapest Insurance CompanyClearcover - $24/mo.
Available TrimsRSX, TYPE-S

You can expect full coverage for a 2005 Acura RSX to run around $196 a month, while liability only coverage will average about $91 monthly.

With premiums as low as $24 a month, Clearcover offered the cheapest policy we found for the 2005 Acura RSX.

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

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2004 Acura RSX Car Insurance

Liability Only Avg. Premium$97
Full Coverage Avg. Premium$167
Base MSRP$20,025
Cheapest Insurance CompanyMercury - $21/mo.
Available TrimsRSX, TYPE-S

On average, drivers who own a 2004 RSX can expect to pay $97 to $167 per month for liability only and full coverage insurance, respectively.

Mercury has prices as little as just $21 monthly for the 2004 Acura RSX.

If you want to find the best rates for auto insurance for a 2004 Acura RSX, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2003 Acura RSX Car Insurance

Liability Only Avg. Premium$88
Full Coverage Avg. Premium$150
Base MSRP$19,975
Cheapest Insurance CompanyMercury - $19/mo.
Available TrimsRSX, TYPE-S

The average cost to insure a 2003 Acura RSX with liability only coverage is $88 a month, while full coverage runs around $150 per month.

If you're looking for the most affordable 2003 Acura RSX insurance policy, Mercury offered the most affordable policy we found, with rates sometimes as cheap as $19 monthly.

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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2002 Acura RSX Car Insurance

Liability Only Avg. Premium$93
Full Coverage Avg. Premium$190
Base MSRP$19,950
Cheapest Insurance CompanyMercury - $21/mo.
Available TrimsRSX, TYPE-S

2002 RSX drivers can expect to pay an average of $93 a month for liability or $190 for full coverage.

With premiums as low as just $21 per month, Mercury offered the cheapest policy we found.

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

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Acura RSX Insurance FAQs

Is an Acura RSX expensive to insure?

Liability insurance runs an average of $91 monthly, while full coverage will cost you around $192. The Acura RSX is relatively expensive to insure compared to the average vehicle.

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

There's only one way to ensure you're getting the most affordable rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like let you compare prices from a lot of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Acura RSX affect my insurance premiums?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's actually not true. There are a multitude of things car insurance carriers consider when they calculate how much your policy will be, but your RSX's color is not used to make that determination.

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

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you a car insurance policy as part of the buying process, but the best thing to do when buying a a new car is to let your auto insurance company know beforehand.

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

You will find a variety of different discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are based less on your Acura RSX and more on you, but if your RSX has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to be certain is to reach out to your insurance carrier and ask about their discounts, since they vary quite a bit from company to company.

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