Acura RDX Car Insurance Rates for 2022

How much does Acura RDX car insurance cost? We analyzed insurance rates from the base 2WD model up to the A-Spec Advance trim to see how prices compared to other small luxury SUVs.

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  • Acura RDX insurance averages $1,298 per year, $649 for a 6-month policy, or $108 per month, depending on the trim level.
  • The Acura RDX is one of the cheaper small luxury SUVs to insure for 2022, costing $403 less per year on average as compared to other small luxury SUVs. It ranks #1 out of 34 vehicles in the small luxury SUV class for insurance affordability.
  • The base front wheel drive trim level is the most affordable, while the Advance AWD and the A-Spec Advance AWD trims cost the most.
  • Insuring a used RDX can save a couple hundred bucks a year on insurance, but newer vehicles have the edge when it comes to vehicle safety ratings.
  • Where you live can make a huge difference in auto insurance rates. For example, Acura RDX car insurance in New York City, NY, may cost you as much as $1,800 more per year than if you lived in Columbus, OH.

How much does Acura RDX insurance cost?

Acura RDX car insurance costs an average of $1,298 per year, or around $108 a month. With the average small luxury SUV costing $1,701 a year to insure, the Acura RDX would save around $403 each year.

When compared to all vehicles it also fares well, as the average RDX insurance rate is $253 less than the national average car insurance rate of $1,551.

The chart below shows average car insurance rates on a 2022 Acura RDX based on different driver ages and policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Acura RDX with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Acura RDX trim levels.Data last updated on April 14, 2022
Acura RDX Car Insurance Rates
Acura RDX Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,138$178
$500$2,550$213
$250$2,986$249
30$1,000$1,140$95
$500$1,374$115
$250$1,616$135
40$1,000$1,084$90
$500$1,298$108
$250$1,520$127
50$1,000$990$83
$500$1,182$99
$250$1,380$115
60$1,000$970$81
$500$1,158$97
$250$1,354$113

As the data shows in the chart, insurance rates go down as driver age increases. Youthful drivers are more inexperienced and therefore pay higher insurance rates. Beyond age 60, rates tend to start creeping back upward, due to the increased frequency of accidents among senior drivers.

Lower physical damage deductibles cost you less if you have a claim, but you will pay more each month. Increasing deductibles from $500 to $1,000 could save around $214 per year. One of the quickest ways to lower your insurance rates is to increase your deductibles, providing you maintain adequate savings to pay the higher deductible in the event of a claim.

Conversely, lowering physical damage deductibles from $500 to $100 can increase the cost of a policy by around $410 a year. Lower deductibles are great when you have a claim as it means less out-of-pocket expense, but you have to pay more every month for that convenience.

Individual coverages on a typical car insurance policy include comprehensive (or other than collision), collision, and liability. Estimated annual rates for each of these coverages are $350, $588 and $360, respectively.

Does RDX insurance cost more than similar vehicles?

The Acura RDX is one of the lower-cost compact luxury SUVs to insure, ranking #1 out of 34 total comparison vehicles. When compared to all vehicles it also fares well, as the average RDX insurance rate is $253 less than the national average of $1,551.

When compared to the more popular compact luxury SUVs, insurance for the Acura RDX costs $556 less than the BMW X3, $328 less than the Volvo XC60, $306 less than the Mercedes-Benz GLC300, and $458 less than the Audi Q5.

The chart below shows how average Acura RDX car insurance rates compare to the top 10 selling small luxury SUVs like the BMW X3, Audi Q5, and the Volvo XC60.

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Chart Data Details: Average rates are for a 2022 model year Acura RDX, 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 RDX trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 25, 2022
Acura RDX Insurance vs Top Selling Small Luxury SUVs

While the chart above compares the cost of Acura RDX insurance to just the top-selling small luxury SUVs, the table below takes the comparison a step farther and ranks the annual rate for RDX insurance against the entire 2022 class.

Acura RDX vs All Small Luxury SUVs Insurance Affordability Ranking
Rank Make/Model Insurance Cost Difference
1Acura RDX$1,298--
2Cadillac XT4$1,330$32
3Volvo XC40$1,456$158
4Lexus NX 250$1,504$206
5BMW X1$1,506$208
6Lexus NX 350h$1,514$216
7Lexus UX 250h$1,516$218
8Lexus NX 350$1,542$244
9Lexus UX 200$1,548$250
10Lexus NX 450h$1,584$286
11Mercedes-Benz GLB 250$1,590$292
12Land Rover Evoque$1,600$302
13Lincoln Corsair$1,602$304
14Mercedes-Benz GLC300$1,604$306
15Volvo C40$1,618$320
16Mercedes-Benz GLA250$1,620$322
17Volvo XC60$1,626$328
18BMW X2$1,678$380
19Audi Q3$1,700$402
20Mercedes-Benz GLA35 AMG$1,704$406
21Infiniti QX55$1,714$416
22Genesis GV70$1,734$436
23Mercedes-Benz GLA45 AMG$1,754$456
24Audi Q5$1,756$458
25Audi Q4$1,776$478
26Land Rover Defender$1,786$488
27Land Rover Range Rover Velar$1,792$494
28Alfa Romeo Stelvio$1,828$530
29BMW X3$1,854$556
30Porsche Macan$1,918$620
31Jaguar I-Pace$1,958$660
32Jaguar F-Pace$2,012$714
33BMW X4$2,066$768
34Aston Martin DBX$2,750$1,452

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 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 vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 25, 2022
Acura RDX vs All Small Luxury SUVs Insurance Affordability Ranking

As demonstrated by the data above, the Acura RDX is one of the cheaper small luxury SUVs to insure, costing $403 less per year on average as compared to similar vehicles in the small luxury SUV class, which averages $1,701 a year.

According to the Insurance Institute for Highway Safety, Acura RDX models for reporting years 2016-2018 have substantially better than average insurance loss trend histories.

For example, the RDX 4-door AWD trim level has the following loss percentages when compared to average losses for six insurance categories:

  • 30% better collision losses
  • 22% better property damage losses
  • 34% better comprehensive losses
  • 24% better personal injury losses
  • 37% better medical payment losses
  • 48% better bodily injury losses

Not all RDX trim levels have identical loss trends, but based on this data, it supports the conclusion that Acura RDX insurance rates are positively impacted by both lower loss payment amounts and claim frequencies.

Vehicle safety features like collision warning and automatic braking often translate to lower collision and liability insurance rates, while features like complete air bag protection results in lower and less frequent medical payments.

Frequently asked questions about RDX insurance

The $1,298 annual cost of insurance shown above is an approximation based on many different factors. Criteria such as the age of your vehicle, policy coverage limits, your driving record, where you live, and your age and gender all have an impact on the final price you pay to insure an Acura RDX.

Will an older RDX cost less to insure?

Generally, yes. With all other factors staying the same, insuring a model that is a few years old will save money compared to insuring a new RDX right off the dealer lot. Newer models have a higher replacement cost, which means if the vehicle is totalled, the insurance company will have to pay more to replace the vehicle. The higher the replacement cost, the higher the physical damage insurance cost.

However, not all rating factors are the same for every model year of vehicle. Newer models may include additional safety features that reduce the likelihood of medical claims for occupants. Crash prevention features may also be included that reduce the overall liability insurance cost for a particular model year.

These types of model year changes can actually make a newer model year cheaper to insure than a prior model year.

The table below shows average annual insurance cost for a range of Acura RDX model years and driver ages.

Acura RDX Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,550$1,374$1,298$1,182$1,158
2021$2,472$1,326$1,258$1,142$1,122
2020$2,428$1,300$1,232$1,120$1,102
2019$2,560$1,360$1,292$1,180$1,158
2018$2,430$1,288$1,230$1,122$1,100
2017$2,372$1,256$1,196$1,094$1,074
2016$2,092$1,110$1,058$966$946
2015$1,924$1,024$978$894$876
2014$2,024$1,060$1,020$934$916
2013$1,972$1,038$1,000$916$898

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 February 20, 2022
Acura RDX Insurance Cost by Model Year

Annual insurance rate averages for 2013-2015 RDX models demonstrate the point that was made earlier about newer models actually costing less to insure than older ones. Average rates dropped each model year from 2013 to 2015 before increasing with more recent model years.

Do good safety ratings mean cheaper insurance rates?

The Acura RDX has excellent safety ratings for recent models, and reducing the chance of passenger injuries translates into lower auto insurance premiums. The 2018 RDX was an IIHS Top Safety Pick and the 2020 RDX earned a Top Safety Pick+ award.

In government crash tests, both the 2020 and 2021 models earned NHTSA five star overall ratings. The results for the 2021 model are as follows:

  • Frontal crash driver side: 4 stars
  • Frontal crash passenger side: 4 stars
  • Side crash: overall 5 stars
  • Rollover: 4 stars – 15% rollover risk

Safety features on the RDX verified by or reported to NHTSA include:

  • Forward collision warning
  • Lane departure warning
  • Crash imminent braking
  • Dynamic brake support

Do higher trim level RDX models cost more to insure?

In general, yes. The higher the trim level, the more the vehicle costs, resulting in a higher replacement value. The insurance cost difference between the base level front-wheel drive RDX ($38,200 MSRP) and the upper end Advance Package AWD ($46,000 MSRP) or the A-Spec Package AWD ($44,100 MSRP) model is around $90 a year.

2022 Acura RDX Insurance Cost by Trim Level
Acura RDX Trim Level Annual Policy 6-month Policy Per Month
2WD$1,230$615$103
AWD$1,260$630$105
Technology 2WD$1,266$633$106
Technology AWD$1,292$646$108
A-Spec 2WD$1,302$651$109
A-Spec AWD$1,326$663$111
Advance AWD$1,344$672$112
A-Spec Advance AWD$1,362$681$114

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Acura RDX, 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 20, 2022
Acura RDX Insurance Cost by Trim Level

Does where I live in affect Acura RDX insurance cost?

Depending on where you live, the cost of insuring your RDX can vary from as low as around $800 in Raleigh, NC, to more than $2,300 a year in locations like Los Angeles and Philadelphia, and closer to $2,600 in New York.

Thankfully, most locations do not cost as much as the high-rate cities mentioned. In fact, in some states like Iowa, Maine, and Virginia, the cost of RDX insurance is closer to $75 a month or around $900 a year or less.

The chart below shows average Acura RDX car insurance rates in the 15 largest metro areas in America. Clicking the ‘View Table’ button below the chart will show a table comparing RDX insurance cost in the 50 largest cities in the U.S.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Acura RDX, 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 RDX trim levels.Data last updated on February 20, 2022
Acura RDX Insurance Rates in 15 Largest U.S. Cities
Acura RDX Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,464$205
Philadelphia, PA$2,178$182
Los Angeles, CA$2,164$180
San Francisco, CA$1,860$155
Jacksonville, FL$1,850$154
San Jose, CA$1,544$129
Phoenix, AZ$1,500$125
San Diego, CA$1,470$123
Chicago, IL$1,420$118
Dallas, TX$1,396$116
Houston, TX$1,388$116
Indianapolis, IN$1,314$110
San Antonio, TX$1,250$104
Austin, TX$1,190$99
Columbus, OH$982$82

Not everyone lives in a large city, and rates can be downright affordable in more rural areas of America. The table below details average insurance rates for an Acura RDX by state.

Keep in mind there are a lot of factors that go into determining the rate you actually pay, so it’s a good idea to enter your zip code a the bottom of the table to get real-time rates for your area.

Acura RDX Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,064$532$89
Alaska$1,146$573$96
Arizona$1,162$581$97
Arkansas$1,396$698$116
California$1,494$747$125
Colorado$1,394$697$116
Connecticut$1,264$632$105
Delaware$1,328$664$111
Florida$1,910$955$159
Georgia$1,264$632$105
Hawaii$886$443$74
Idaho$1,032$516$86
Illinois$1,054$527$88
Indiana$974$487$81
Iowa$944$472$79
Kansas$1,314$657$110
Kentucky$1,518$759$127
Louisiana$1,892$946$158
Maine$904$452$75
Maryland$1,180$590$98
Massachusetts$1,070$535$89
Michigan$2,080$1,040$173
Minnesota$1,146$573$96
Mississippi$1,234$617$103
Missouri$1,386$693$116
Montana$1,272$636$106
Nebraska$1,248$624$104
Nevada$1,432$716$119
New Hampshire$788$394$66
New Jersey$1,234$617$103
New Mexico$1,046$523$87
New York$1,388$694$116
North Carolina$830$415$69
North Dakota$1,084$542$90
Ohio$758$379$63
Oklahoma$1,270$635$106
Oregon$1,094$547$91
Pennsylvania$1,098$549$92
Rhode Island$1,538$769$128
South Carolina$1,202$601$100
South Dakota$1,182$591$99
Tennessee$1,032$516$86
Texas$1,230$615$103
Utah$1,078$539$90
Vermont$868$434$72
Virginia$842$421$70
Washington$990$495$83
West Virginia$1,174$587$98
Wisconsin$886$443$74
Wyoming$1,198$599$100

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Acura RDX, 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 RDX trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on February 20, 2022
Acura RDX insurance rates by U.S. state

The Acura RDX has a long list of standard features, a roomy cabin, balanced ride, and athletic handling. The impressive safety features and excellent insurance loss numbers lend a hand in keeping the cost of insurance down.

Despite being classified as a luxury vehicle, the cost to insure the RDX shouldn’t be a factor if you’re considering buying a new or used model. The fact that the cost to insure is below the all-vehicle national average should be considered a definite plus.

References and Additional Resources