- Drivers can expect to pay on average around $2,396 per year, $1,198 for a 6-month policy, or $200 per month for full coverage insurance on an Acura MDX, depending on the trim level.
- The cheapest model of Acura MDX to insure is the base 2WD at $2,226 per year, or about $186 per month.
- The MDX ranks seventh out of 41 vehicles in the midsize luxury SUV class for insurance affordability.
- Resisting the temptation to buy a new model and instead driving an older model of Acura MDX could cut your insurance cost by $912 per year at a minimum.
What does Acura MDX insurance cost?
Acura MDX insurance rates average $2,396 a year, or $200 on a monthly basis. Expect to pay approximately $454 less each year for Acura MDX insurance compared to similar vehicles, and $120 more per year than the $2,276 national average auto insurance rate for all vehicles.
The following chart shows how average Acura MDX car insurance rates change with changes in driver age and the chosen policy deductibles.
The rate chart above displays a small number of insurance rate estimates from an almost infinite number of possible rates. The rate we use for comparison purposes is a 40-year-old driver with $500 deductibles.
What model of MDX has the cheapest insurance?
The cheapest Acura MDX car insurance is on the base 2WD model at an estimated $2,226 per year. The second cheapest trim is the base AWD at $2,272 per year.
For more equipped MDX trim levels, the three highest cost MDX trim levels to insure are the Acura MDX Advance AWD, the Type S AWD, and the Type S Advance AWD trim levels at an estimated $2,468, $2,526, and $2,586 per year, respectively.
The table below details average Acura MDX car insurance rates, including a monthly amount for budgeting, for each 2024 model year trim level.
| 2024 Acura MDX Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Base 2WD | $2,226 | $186 |
| Base AWD | $2,272 | $189 |
| Technology 2WD | $2,320 | $193 |
| Technology AWD | $2,358 | $197 |
| A-Spec AWD | $2,420 | $202 |
| Advance AWD | $2,468 | $206 |
| Type S AWD | $2,526 | $211 |
| Type S Advance AWD | $2,586 | $216 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
Acura MDX insurance vs. the competition
The Acura MDX ranks seventh out of 41 total comparison vehicles in the midsize luxury SUV category. The MDX costs an estimated $2,396 per year for full coverage insurance, while the class median average cost is $2,850 per year, a difference of $454 per year.
The Acura MDX has an average insurance cost that is:
- $620 less per year than the Tesla Model X
- $284 less per year than the Mercedes-Benz GLE350
- $876 less per year than the BMW iX
- $38 more per year than the Infiniti QX60
- $332 less per year than the Lexus GX 550
The chart below shows how average MDX car insurance rates compare to the rest of the top 10 best-selling midsize luxury SUVs including the Audi Q7 and Infiniti QX50. To see how the entire class stacks up, you can find a table after the chart displaying insurance cost comparisons and rankings for all 41 models in the 2024 midsize luxury SUV class.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Jaguar E-Pace | $2,242 | -$154 |
| 2 | Cadillac XT5 | $2,264 | -$132 |
| 3 | Infiniti QX50 | $2,330 | -$66 |
| 4 | Cadillac XT6 | $2,348 | -$48 |
| 5 | Infiniti QX60 | $2,358 | -$38 |
| 6 | Mercedes-Benz AMG GLB35 | $2,364 | -$32 |
| 7 | Acura MDX | $2,396 | -- |
| 8 | Lexus RX 350 | $2,406 | $10 |
| 9 | Lexus TX 350 | $2,440 | $44 |
| 10 | Lexus RX 350h | $2,468 | $72 |
| 11 | Lexus TX 500h | $2,506 | $110 |
| 12 | Lexus RX 500h | $2,514 | $118 |
| 13 | Lincoln Nautilus | $2,534 | $138 |
| 14 | Lexus RX 450h | $2,538 | $142 |
| 15 | Volvo V90 | $2,558 | $162 |
| 16 | Audi SQ5 | $2,646 | $250 |
| 17 | Mercedes-Benz GLE350 | $2,680 | $284 |
| 18 | Lincoln Aviator | $2,698 | $302 |
| 19 | Lexus GX 550 | $2,728 | $332 |
| 20 | Volvo V60 | $2,808 | $412 |
| 21 | Land Rover Discovery Sport | $2,814 | $418 |
| 22 | Mercedes-Benz GLE450 | $2,826 | $430 |
| 23 | Cadillac Lyriq | $2,852 | $456 |
| 24 | Volvo EX90 | $2,876 | $480 |
| 25 | Audi Q7 | $2,912 | $516 |
| 26 | Genesis GV80 | $2,926 | $530 |
| 27 | Mercedes-Benz AMG GLC43 | $2,938 | $542 |
| 28 | Audi e-tron | $2,994 | $598 |
| 29 | Tesla Model X | $3,016 | $620 |
| 30 | BMW X5 | $3,068 | $672 |
| 31 | Audi Q8 | $3,082 | $686 |
| 32 | Land Rover Discovery | $3,100 | $704 |
| 33 | Mercedes-Benz AMG GLE53 | $3,120 | $724 |
| 34 | Audi SQ7 | $3,224 | $828 |
| 35 | BMW iX | $3,272 | $876 |
| 36 | BMW X6 | $3,350 | $954 |
| 37 | Land Rover Range Rover Sport | $3,492 | $1,096 |
| 38 | Audi RS 6 | $3,564 | $1,168 |
| 39 | Porsche Cayenne | $3,594 | $1,198 |
| 40 | BMW XM | $3,938 | $1,542 |
| 41 | Mercedes-Benz AMG GLE63 | $4,046 | $1,650 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated October 24, 2025
What does insurance cost on a used MDX?
Forgoing newer models and driving an older model year Acura MDX can reduce insurance cost by $912 per year at a minimum. Brand new models have a higher replacement value, and older MDXs are worth less due to depreciation.
The next table shows the average Acura MDX insurance cost for different model years and driver age groups. In this example, insurance costs range from a low of $1,316 for a 60-year-old driver rated on a 2014 Acura MDX to a maximum value of $4,896 for a 20-year-old with a 2024 model.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Acura MDX | $4,896 | $2,396 | $1,980 |
| 2023 Acura MDX | $4,758 | $2,326 | $1,922 |
| 2022 Acura MDX | $4,646 | $2,270 | $1,876 |
| 2021 Acura MDX | $4,730 | $2,308 | $1,912 |
| 2020 Acura MDX | $4,580 | $2,234 | $1,852 |
| 2019 Acura MDX | $4,380 | $2,138 | $1,774 |
| 2018 Acura MDX | $4,138 | $2,026 | $1,684 |
| 2017 Acura MDX | $3,970 | $1,946 | $1,618 |
| 2016 Acura MDX | $3,892 | $1,904 | $1,588 |
| 2015 Acura MDX | $3,242 | $1,608 | $1,336 |
| 2014 Acura MDX | $3,210 | $1,580 | $1,316 |
| 2013 Acura MDX | $2,978 | $1,484 | $1,242 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Acura MDX trim levels for each model year. Updated October 24, 2025
Eventually, as a vehicle gets some miles on it, you will need to decide when to delete coverage for physical damage from an insurance policy. As a vehicle loses value over time, the sticker price of physical damage insurance begins to exceed any benefits of having full coverage.
Dropping full coverage on an older Acura MDX could potentially save $906 a year, depending on what the comprehensive and collision deductibles were set to and the driver age.
Other details regarding the cost of insurance for an Acura MDX include:
- MDX insurance is expensive for high-risk drivers. For a 30-year-old driver, the need to buy a high-risk policy increases the cost by $2,998 or more per year.
- A good credit rating can save money. In states that allow car insurance companies to use credit as a rating factor, having a high credit score of 800+ could see savings as high as $376 per year over a rating of 670-739. Conversely, a poor credit rating could cost as much as $436 more per year.
- MDX insurance rates for teens are expensive. Average rates for full coverage MDX insurance costs $8,524 per year for a 16-year-old driver, $8,330 per year for a 17-year-old driver, and $7,595 per year for an 18-year-old driver.
- Increase deductibles to save money. Increasing deductibles from $500 to $1,000 could save around $420 per year for a 40-year-old driver and $848 per year for a 20-year-old driver.
- Low physical damage deductibles increase costs. Cutting your deductibles from $500 to $250 could cost an additional $444 per year for a 40-year-old driver and $904 per year for a 20-year-old driver.
- Your job could save you a few bucks. Most car insurance providers offer occupational discounts for jobs like firefighters, high school and elementary teachers, engineers, police officers and law enforcement, nurses, and other occupations. Qualifying for this discount could potentially save between $72 and $233 on your yearly insurance bill, depending on your age.
- As you get older, car insurance rates go down. The difference in 2024 MDX insurance cost between a 60-year-old driver ($1,980 per year) and a 30-year-old driver ($2,568 per year) is $588, or a savings of 25.9%.
- Earn discounts to save money. Discounts may be available if the policyholders are claim-free, insure their home and car with the same company, work in certain occupations, are accident-free, or many other discounts which could save the average driver as much as $406 per year.