- Drivers can expect to pay on average around $1,800 per year, $900 for a 6-month policy, or $150 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 $1,674 per year, or about $140 per month.
- The MDX ranks fifth out of 37 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 $578 per year at a minimum.
What does Acura MDX insurance cost?
Acura MDX insurance rates average $1,800 a year, or $150 on a monthly basis. Expect to pay approximately $304 less each year for Acura MDX insurance compared to similar vehicles, and $72 more per year than the $1,728 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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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 $1,674 per year. The second cheapest trim is the base AWD at $1,708 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 $1,856, $1,896, and $1,942 per year, respectively.
The table below details average Acura MDX car insurance rates, including a monthly amount for budgeting, for each 2023 model year trim level.
|Acura MDX Trim Level||Annual Policy||Six-Month Policy||Per Month|
|Type S AWD||$1,896||$948||$158|
|Type S Advance AWD||$1,942||$971||$162|
Acura MDX insurance vs. the competition
The Acura MDX ranks fifth out of 37 total comparison vehicles in the midsize luxury SUV category. The MDX costs an estimated $1,800 per year for full coverage insurance, while the class median average cost is $2,104 per year, a difference of $304 per year.
When insurance rates are compared to other midsize luxury SUVs, the Acura MDX costs $180 more per year than the Lexus RX 350, $488 less than the BMW X5, and $128 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 37 models in the 2023 midsize luxury SUV class.
|1||Lexus RX 350||$1,620||-$180|
|7||Lexus RX 350L||$1,850||$50|
|8||Land Rover Discovery Sport||$1,854||$54|
|11||Lexus RX 450h||$1,908||$108|
|12||Lexus GX 460||$1,928||$128|
|13||Lexus RX 450hL||$1,938||$138|
|16||Mercedes-Benz AMG GLB35||$1,988||$188|
|22||Land Rover Discovery||$2,074||$274|
|23||Mercedes-Benz AMG GLC43||$2,110||$310|
|26||Tesla Model X||$2,242||$442|
|27||Mercedes-Benz AMG GLE53||$2,248||$448|
|30||Land Rover Range Rover Sport||$2,312||$512|
|35||Mercedes-Benz AMG GLE63||$2,650||$850|
|36||Audi RS 6||$2,694||$894|
What does insurance cost on a used MDX?
Forgoing newer models and driving an older model year Acura MDX can reduce insurance cost by $578 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 $1,160 for a 60-year-old driver rated on a 2014 Acura MDX to a maximum value of $3,630 for a 20-year-old with a 2023 model.
|Model Year and Vehicle||Driver Age 20||Driver Age 40||Driver Age 60|
|2023 Acura MDX||$3,630||$1,800||$1,616|
|2022 Acura MDX||$3,534||$1,754||$1,574|
|2021 Acura MDX||$3,598||$1,782||$1,598|
|2020 Acura MDX||$3,550||$1,754||$1,578|
|2019 Acura MDX||$3,408||$1,688||$1,518|
|2018 Acura MDX||$3,296||$1,632||$1,468|
|2017 Acura MDX||$3,154||$1,564||$1,406|
|2016 Acura MDX||$3,192||$1,584||$1,420|
|2015 Acura MDX||$2,642||$1,324||$1,188|
|2014 Acura MDX||$2,586||$1,286||$1,160|
|2013 Acura MDX||$2,432||$1,222||$1,098|
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 $710 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 $2,232 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 $283 per year over a rating of 670-739. Conversely, a poor credit rating could cost as much as $328 more per year.
- MDX insurance rates for teens are expensive. Average rates for full coverage MDX insurance costs $6,372 per year for a 16-year-old driver, $6,024 per year for a 17-year-old driver, and $5,648 per year for an 18-year-old driver.
- Increase deductibles to save money. Increasing deductibles from $500 to $1,000 could save around $314 per year for a 40-year-old driver and $628 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 $330 per year for a 40-year-old driver and $666 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 $54 and $183 on your yearly insurance bill, depending on your age.
- As you get older, car insurance rates go down. The difference in 2023 MDX insurance cost between a 60-year-old driver ($1,616 per year) and a 30-year-old driver ($1,918 per year) is $302, or a savings of 17.1%.
- 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 $304 per year.