Acura MDX Insurance Cost and Comparisons for 2023

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 $1,756 a year, or $146 on a monthly basis. Expect to pay approximately $294 less each year for Acura MDX insurance compared to similar vehicles, and $71 more per year than the $1,685 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 2023 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 January 23, 2023
Acura MDX Car Insurance Rates
2023 Acura MDX Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,924$244
$500$3,536$295
$250$4,184$349
30$1,000$1,534$128
$500$1,868$156
$250$2,218$185
40$1,000$1,450$121
$500$1,756$146
$250$2,076$173
50$1,000$1,326$111
$500$1,602$134
$250$1,892$158
60$1,000$1,304$109
$500$1,576$131
$250$1,862$155

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 $1,632 per year. The second cheapest trim is the base AWD at $1,666 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 $1,810,  $1,848, and $1,892 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.

2023 Acura MDX Insurance Cost by Trim Level
Acura MDX Trim Level Annual Policy Six-Month Policy Per Month
Base 2WD$1,632$816$136
Base AWD$1,666$833$139
Technology 2WD$1,698$849$142
Technology AWD$1,728$864$144
A-Spec AWD$1,770$885$148
Advance AWD$1,810$905$151
Type S AWD$1,848$924$154
Type S Advance AWD$1,892$946$158

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 February 5, 2023
Acura MDX Insurance Cost by Trim Level

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 $1,756 per year for full coverage insurance, while the class median average cost is $2,050 per year, a difference of $294 per year.

When insurance rates are compared to other midsize luxury SUVs, the Acura MDX costs $178 more per year than the Lexus RX 350, $474 less than the BMW X5, and $124 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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 January 23, 2023
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
1Lexus RX 350$1,578-$178
2Infiniti QX50$1,632-$124
3Cadillac XT5$1,676-$80
4Cadillac XT6$1,716-$40
5Acura MDX$1,756--
6Lincoln Nautilus$1,786$30
7Lexus RX 350L$1,804$48
8Land Rover Discovery Sport$1,806$50
9Jaguar E-Pace$1,808$52
10Volvo V90$1,838$82
11Lexus RX 450h$1,858$102
12Lexus GX 460$1,880$124
13Lexus RX 450hL$1,890$134
14Volvo V60$1,896$140
15Mercedes-Benz AMG GLB35$1,934$178
16Genesis GV80$1,936$180
17Audi SQ5$1,940$184
18Lincoln Aviator$1,958$202
19Infiniti QX60$1,974$218
20Mercedes-Benz GLE450$1,990$234
21Mercedes-Benz GLE350$2,014$258
22Land Rover Discovery$2,022$266
23Mercedes-Benz AMG GLC43$2,056$300
24Audi Q7$2,104$348
25Audi e-tron$2,174$418
26Tesla Model X$2,184$428
27Mercedes-Benz AMG GLE53$2,190$434
28BMW X5$2,230$474
29Audi Q8$2,238$482
30Land Rover Range Rover Sport$2,254$498
31Audi SQ7$2,362$606
32BMW iX$2,396$640
33BMW X6$2,442$686
34Porsche Cayenne$2,462$706
35Mercedes-Benz AMG GLE63$2,582$826
36Audi RS 6$2,624$868
37BMW XM$2,872$1,116

What does insurance cost on a used MDX?

Forgoing newer models and driving an older model year Acura MDX can reduce insurance cost by $566 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 $1,132 for a 60-year-old driver rated on a 2014 Acura MDX to a maximum value of $3,536 for a 20-year-old with a 2023 model.

Acura MDX Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Acura MDX$3,536$1,756$1,576
2022 Acura MDX$3,442$1,708$1,534
2021 Acura MDX$3,504$1,736$1,560
2020 Acura MDX$3,456$1,712$1,538
2019 Acura MDX$3,318$1,646$1,480
2018 Acura MDX$3,212$1,592$1,432
2017 Acura MDX$3,070$1,526$1,372
2016 Acura MDX$3,110$1,540$1,384
2015 Acura MDX$2,574$1,292$1,158
2014 Acura MDX$2,520$1,256$1,132
2013 Acura MDX$2,368$1,190$1,070

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a 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 January 23, 2023
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 $690 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 $2,174 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 $276 per year over a rating of 670-739. Conversely, a poor credit rating could cost as much as $320 more per year.
  • MDX insurance rates for teens are expensive. Average rates for full coverage MDX insurance costs $6,206 per year for a 16-year-old driver, $5,868 per year for a 17-year-old driver, and $5,504 per year for an 18-year-old driver.
  • Increase deductibles to save money. Increasing deductibles from $500 to $1,000 could save around $306 per year for a 40-year-old driver and $612 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 $320 per year for a 40-year-old driver and $648 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 $53 and $178 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 ($1,576 per year) and a 30-year-old driver ($1,868 per year) is $292, 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 $298 per year.

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