- Drivers can expect to pay on average around $1,578 per year, $789 for a 6-month policy, or $132 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 2WD at $1,468 per year, or about $122 per month.
- The MDX ranks #4 out of 36 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 $468 per year at a minimum.
What does Acura MDX insurance cost?
Acura MDX insurance rates average $1,578 a year, or $132 on a monthly basis. Expect to pay approximately $265 less each year for Acura MDX insurance compared to similar vehicles, and $11 more per year than the $1,567 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 $1,468 per year. The second cheapest trim is the base AWD at $1,498 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 $1,620, $1,672, and $1,710 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.
| Acura MDX Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| 2WD | $1,468 | $734 | $122 |
| AWD | $1,498 | $749 | $125 |
| Technology 2WD | $1,532 | $766 | $128 |
| Technology AWD | $1,560 | $780 | $130 |
| A-Spec AWD | $1,566 | $783 | $131 |
| Advance AWD | $1,620 | $810 | $135 |
| Type S | $1,672 | $836 | $139 |
| Type S Advance | $1,710 | $855 | $143 |
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 $1,578 per year for full coverage insurance, while the class median average cost is $1,843 per year, a difference of $265 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, $360 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.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Cadillac XT5 | $1,500 | -$78 |
| 2 | Jaguar E-Pace | $1,564 | -$14 |
| 3 | Lexus RX 350 | $1,570 | -$8 |
| 4 | Acura MDX | $1,578 | -- |
| 5 | Lincoln Nautilus | $1,594 | $16 |
| 6 | Lexus RX 450h | $1,608 | $30 |
| 7 | Infiniti QX50 | $1,614 | $36 |
| 8 | Lexus RX 350L | $1,628 | $50 |
| 9 | Cadillac XT6 | $1,640 | $62 |
| 10 | Volvo V60 | $1,648 | $70 |
| 11 | Land Rover Discovery | $1,660 | $82 |
| 12 | Land Rover Discovery Sport | $1,662 | $84 |
| 13 | Lexus RX 450hL | $1,676 | $98 |
| 14 | Volvo V90 | $1,688 | $110 |
| 15 | Lincoln Aviator | $1,720 | $142 |
| 16 | Mercedes-Benz AMG GLB35 | $1,740 | $162 |
| 17 | Mercedes-Benz GLE450 | $1,744 | $166 |
| 18 | Lexus GX 460 | $1,766 | $188 |
| 19 | Infiniti QX60 | $1,774 | $196 |
| 20 | Mercedes-Benz GLE350 | $1,784 | $206 |
| 21 | Genesis GV80 | $1,818 | $240 |
| 22 | Mercedes-Benz AMG GLC43 | $1,846 | $268 |
| 23 | Audi SQ5 | $1,874 | $296 |
| 24 | BMW X5 | $1,938 | $360 |
| 25 | Audi Q8 | $1,966 | $388 |
| 26 | Audi Q7 | $1,998 | $420 |
| 27 | Land Rover Range Rover Sport | $2,020 | $442 |
| 28 | BMW iX | $2,034 | $456 |
| 29 | Tesla Model X | $2,064 | $486 |
| 30 | Audi SQ7 | $2,124 | $546 |
| 31 | Audi e-tron | $2,144 | $566 |
| 32 | Mercedes-Benz AMG GLE53 | $2,150 | $572 |
| 33 | BMW X6 | $2,200 | $622 |
| 34 | Mercedes-Benz AMG GLE63 | $2,292 | $714 |
| 35 | Porsche Cayenne | $2,314 | $736 |
| 36 | Audi RS 6 | $2,390 | $812 |
What does insurance cost on a used MDX?
Forgoing newer models and driving an older model year Acura MDX can reduce insurance cost by $468 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 $1,070 for a 60-year-old driver rated on a 2014 Acura MDX to a maximum value of $3,178 for a 20-year-old with a 2022 model.
| Model Year | Driver Age 20 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| 2022 | $3,178 | $1,682 | $1,578 | $1,440 | $1,416 |
| 2021 | $3,214 | $1,686 | $1,594 | $1,456 | $1,432 |
| 2020 | $3,150 | $1,652 | $1,562 | $1,426 | $1,404 |
| 2019 | $3,068 | $1,608 | $1,524 | $1,388 | $1,366 |
| 2018 | $2,964 | $1,552 | $1,474 | $1,344 | $1,324 |
| 2017 | $2,888 | $1,508 | $1,434 | $1,308 | $1,286 |
| 2016 | $2,888 | $1,500 | $1,430 | $1,308 | $1,286 |
| 2015 | $2,466 | $1,300 | $1,232 | $1,126 | $1,106 |
| 2014 | $2,388 | $1,252 | $1,188 | $1,086 | $1,070 |
| 2013 | $2,210 | $1,156 | $1,110 | $1,014 | $996 |
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 $656 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.
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.
| 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 | $1,604 | $802 | $134 |
| Florida | $2,304 | $1,152 | $192 |
| Georgia | $1,526 | $763 | $127 |
| Hawaii | $1,072 | $536 | $89 |
| Idaho | $1,246 | $623 | $104 |
| Illinois | $1,274 | $637 | $106 |
| Indiana | $1,178 | $589 | $98 |
| Iowa | $1,140 | $570 | $95 |
| Kansas | $1,588 | $794 | $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 | $948 | $474 | $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 | $1,430 | $715 | $119 |
| Tennessee | $1,246 | $623 | $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 | $1,418 | $709 | $118 |
| Wisconsin | $1,072 | $536 | $89 |
| Wyoming | $1,448 | $724 | $121 |
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 $1,950 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 $248 per year over a rating of 670-739. Conversely, a poor credit rating could cost as much as $287 more per year.
- MDX insurance rates for teens are expensive. Average rates for full coverage MDX insurance costs $5,576 per year for a 16-year-old driver, $5,268 per year for a 17-year-old driver, and $4,940 per year for a 18-year-old driver.
- Increase deductibles to save money. Increasing deductibles from $500 to $1,000 could save around $274 per year for a 40-year-old driver and $550 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 $288 per year for a 40-year-old driver and $582 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 $159 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 ($1,416 per year) and a 30-year-old driver ($1,682 per year) is $266, or a savings of 15.8%.
- 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 $264 per year.
