Acura MDX Insurance Cost and Comparisons for 2022

We compared Acura MDX car insurance rates from the base model up to the Type S Advance to see how average insurance prices ranked against all other midsize luxury SUVs.

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What does Acura MDX insurance cost?

Acura MDX insurance rates average $1,566 a year, or $131 on a monthly basis. Expect to pay approximately $263 less each year for Acura MDX insurance compared to similar vehicles, and $15 more per year than the $1,551 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Acura MDX with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Acura MDX trim levels.Data last updated on April 14, 2022
Acura MDX Car Insurance Rates
Acura MDX Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,606$217
$500$3,154$263
$250$3,732$311
30$1,000$1,368$114
$500$1,666$139
$250$1,978$165
40$1,000$1,294$108
$500$1,566$131
$250$1,852$154
50$1,000$1,182$99
$500$1,430$119
$250$1,688$141
60$1,000$1,162$97
$500$1,406$117
$250$1,660$138

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 $1,458 per year. The second cheapest trim is the base AWD at $1,488 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, and the Type S Advance trim levels at an estimated $1,606,  $1,660, and $1,698 per year, respectively.

The table below details average Acura MDX car insurance rates, including a monthly amount for budgeting, for each 2022 model year trim level.

2022 Acura MDX Insurance Cost by Trim Level
Acura MDX Trim Level Annual Policy 6-month Policy Per Month
2WD$1,458$729$122
AWD$1,488$744$124
Technology 2WD$1,522$761$127
Technology AWD$1,546$773$129
A-Spec AWD$1,554$777$130
Advance AWD$1,606$803$134
Type S$1,660$830$138
Type S Advance$1,698$849$142

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Acura MDX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Acura MDX Insurance Cost by Trim Level

Acura MDX insurance vs. the competition

The Acura MDX ranks #4 out of 36 total comparison vehicles in the midsize luxury SUV category. The MDX costs an estimated $1,566 per year for full coverage insurance, while the class median average cost is $1,829 per year, a difference of $263 per year.

When insurance rates are compared to other midsize luxury SUVs, the Acura MDX costs $8 more per year than the Lexus RX 350, $356 less than the BMW X5, and $188 less than the Lexus GX 460.

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 36 models in the 2022 midsize luxury SUV class.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Acura MDX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Acura MDX trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Acura MDX vs Top 10 Midsize Luxury SUVs Insurance Rate Comparison
Acura MDX Insurance Cost Compared to All Midsize Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Cadillac XT5$1,488-$78
2Jaguar E-Pace$1,550-$16
3Lexus RX 350$1,558-$8
4Acura MDX$1,566--
5Lincoln Nautilus$1,580$14
6Lexus RX 450h$1,596$30
7Infiniti QX50$1,600$34
8Lexus RX 350L$1,614$48
9Cadillac XT6$1,626$60
10Volvo V60$1,636$70
11Land Rover Discovery$1,646$80
12Land Rover Discovery Sport$1,650$84
13Lexus RX 450hL$1,660$94
14Volvo V90$1,676$110
15Lincoln Aviator$1,706$140
16Mercedes-Benz GLE450$1,728$162
17Mercedes-Benz AMG GLB35$1,730$164
18Lexus GX 460$1,754$188
19Infiniti QX60$1,762$196
20Mercedes-Benz GLE350$1,772$206
21Genesis GV80$1,806$240
22Mercedes-Benz AMG GLC43$1,834$268
23Audi SQ5$1,858$292
24BMW X5$1,922$356
25Audi Q8$1,950$384
26Audi Q7$1,982$416
27Land Rover Range Rover Sport$2,004$438
28BMW iX$2,018$452
29Tesla Model X$2,048$482
30Audi SQ7$2,108$542
31Audi e-tron$2,128$562
32Mercedes-Benz AMG GLE53$2,136$570
33BMW X6$2,184$618
34Mercedes-Benz AMG GLE63$2,278$712
35Porsche Cayenne$2,298$732
36Audi RS 6$2,374$808

What does insurance cost on a used MDX?

Forgoing newer models and driving an older model year Acura MDX can reduce insurance cost by $466 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 average Acura MDX insurance cost for different model years and driver age groups. In this example, insurance costs range from a low of $1,062 for a 60-year-old driver rated on a 2014 Acura MDX to a maximum value of $3,154 for a 20-year-old with a 2022 model.

Acura MDX Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,154$1,666$1,566$1,430$1,406
2021$3,190$1,672$1,582$1,444$1,422
2020$3,130$1,638$1,550$1,414$1,392
2019$3,046$1,596$1,510$1,380$1,358
2018$2,942$1,542$1,460$1,334$1,314
2017$2,866$1,498$1,420$1,300$1,278
2016$2,868$1,488$1,422$1,298$1,276
2015$2,446$1,290$1,222$1,118$1,098
2014$2,370$1,242$1,180$1,080$1,062
2013$2,194$1,148$1,100$1,008$988

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Acura MDX Insurance Cost by Model Year

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 $650 a year, depending on what the comprehensive and collision deductibles were set to and the driver age.

Does location change insurance rates?

Depending on where you live, average auto insurance cost for an Acura MDX can cover a wide range, from cheaper amounts like $984 a year in Raleigh, NC, or $1,126 in Charlotte, NC, to expensive rates like $2,614 a year in Los Angeles, CA, and $6,174 in Detroit, MI.

Rate averages for some other cities include Dallas, TX, at an estimated $1,684 per year, Fresno, CA, averaging $1,878, Mesa, AZ, at $1,588, and Colorado Springs, CO, costing $1,902.

The bar chart below details estimated insurance policy costs for an Acura MDX in the 15 largest cities in the United States. After the chart, a more comprehensive data table is included showing estimated rates in the 50 biggest U.S. metro regions.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Acura MDX, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Acura MDX trim levels.Data last updated on March 13, 2022
Acura MDX Insurance Rates in Large U.S. Cities
Acura MDX Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$6,174$515
New Orleans, LA$3,690$308
Miami, FL$3,048$254
New York, NY$2,976$248
Philadelphia, PA$2,628$219
Las Vegas, NV$2,622$219
Los Angeles, CA$2,614$218
Louisville, KY$2,508$209
San Francisco, CA$2,246$187
Jacksonville, FL$2,236$186
Oakland, CA$2,232$186
Sacramento, CA$2,114$176
Baltimore, MD$2,066$172
Long Beach, CA$2,048$171
Tulsa, OK$2,002$167
Kansas City, MO$1,988$166
Oklahoma City, OK$1,988$166
Denver, CO$1,946$162
Memphis, TN$1,946$162
Atlanta, GA$1,920$160
Colorado Springs, CO$1,902$159
Fresno, CA$1,878$157
San Jose, CA$1,864$155
Phoenix, AZ$1,812$151
Portland, OR$1,786$149
San Diego, CA$1,776$148
Boston, MA$1,766$147
Wichita, KS$1,718$143
Chicago, IL$1,714$143
Dallas, TX$1,684$140
Houston, TX$1,676$140
Seattle, WA$1,670$139
Minneapolis, MN$1,658$138
Birmingham, AL$1,650$138
Nashville, TN$1,604$134
Milwaukee, WI$1,596$133
Mesa, AZ$1,588$132
Indianapolis, IN$1,588$132
Albuquerque, NM$1,564$130
Tucson, AZ$1,528$127
San Antonio, TX$1,510$126
Omaha, NE$1,464$122
Fort Worth, TX$1,458$122
El Paso, TX$1,450$121
Austin, TX$1,434$120
Cleveland, OH$1,250$104
Columbus, OH$1,186$99
Charlotte, NC$1,126$94
Virginia Beach, VA$1,060$88
Raleigh, NC$984$82

What does Acura MDX insurance cost in my state?

If we look at Acura MDX rates at the state level, states like Virginia ($1,018), Iowa ($1,140), and North Carolina ($1,002) have cheaper insurance rates on a MDX, while states like Louisiana ($2,284) and Michigan ($2,512) have higher rates.

Most states do not tend to be extremely cheap or expensive, with states like New Jersey, Arkansas, and Texas included in this group with average Acura MDX insurance rates of $1,490, $1,686, and $1,484 per year, respectively.

Acura MDX Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,286$643$107
Alaska$1,386$693$116
Arizona$1,404$702$117
Arkansas$1,686$843$141
California$1,806$903$151
Colorado$1,684$842$140
Connecticut$1,528$764$127
Delaware$1,602$801$134
Florida$2,306$1,153$192
Georgia$1,526$763$127
Hawaii$1,072$536$89
Idaho$1,246$623$104
Illinois$1,272$636$106
Indiana$1,178$589$98
Iowa$1,140$570$95
Kansas$1,586$793$132
Kentucky$1,834$917$153
Louisiana$2,284$1,142$190
Maine$1,090$545$91
Maryland$1,424$712$119
Massachusetts$1,290$645$108
Michigan$2,512$1,256$209
Minnesota$1,386$693$116
Mississippi$1,490$745$124
Missouri$1,674$837$140
Montana$1,536$768$128
Nebraska$1,508$754$126
Nevada$1,728$864$144
New Hampshire$950$475$79
New Jersey$1,490$745$124
New Mexico$1,264$632$105
New York$1,676$838$140
North Carolina$1,002$501$84
North Dakota$1,310$655$109
Ohio$918$459$77
Oklahoma$1,534$767$128
Oregon$1,320$660$110
Pennsylvania$1,326$663$111
Rhode Island$1,858$929$155
South Carolina$1,452$726$121
South Dakota$1,428$714$119
Tennessee$1,248$624$104
Texas$1,484$742$124
Utah$1,300$650$108
Vermont$1,046$523$87
Virginia$1,018$509$85
Washington$1,196$598$100
West Virginia$1,420$710$118
Wisconsin$1,072$536$89
Wyoming$1,448$724$121

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Acura MDX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Acura MDX trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on March 13, 2022
Acura MDX insurance rates by U.S. state

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 $1,936 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 $246 per year over a rating of 670-739. Conversely, a poor credit rating could cost as much as $285 more per year.
  • MDX insurance rates for teens are expensive. Average rates for full coverage MDX insurance costs $5,528 per year for a 16-year-old driver, $5,228 per year for a 17-year-old driver, and $4,900 per year for a 18-year-old driver.
  • Increase deductibles to save money. Increasing deductibles from $500 to $1,000 could save around $272 per year for a 40-year-old driver and $548 per year for a 20-year-old driver.
  • Low physical damage deductibles increases cost. Cutting your deductibles from $500 to $250 could cost an additional $286 per year for a 40-year-old driver and $578 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 $47 and $158 on your yearly insurance bill, depending on your age.
  • As you get older, car insurance rates go down. The difference in 2022 MDX insurance cost between a 60-year-old driver ($1,406 per year) and a 30-year-old driver ($1,666 per year) is $260, or a savings of 15.6%.
  • 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 $266 per year.

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