Acura RDX Car Insurance Rates for 2023

• Acura RDX insurance averages $1,472 per year, $736 for a 6-month policy, or $123 per month, depending on the trim level.
• The Acura RDX is one of the cheaper small luxury SUVs to insure for 2023, costing $437 less per year on average as compared to other small luxury SUVs.
• The base front-wheel drive trim level is the most affordable to insure, while the Advance AWD and the A-Spec Advance AWD trims cost the most.
• Insuring a used RDX can save a couple of 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 $1,472 per year, or around $123 a month. With the average small luxury SUV costing $1,909 a year to insure, the Acura RDX would save around $437 each year.

When compared to all vehicles it also fares well, as the average RDX insurance rate is $213 less than the national average car insurance rate of $1,685.

The chart below shows average car insurance rates on a 2023 Acura RDX based on different driver ages and policy deductibles.

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 $242 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 $472 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 monthly 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 $374, $696, and $402, respectively.

Does RDX insurance cost more than similar vehicles?

The Acura RDX is one of the lower-cost compact luxury SUVs to insure, ranking first out of 37 total comparison vehicles. When compared to all vehicles it also fares well, as the average RDX insurance rate is $213 less than the national average of $1,685.

When compared to the more popular compact luxury SUVs, insurance for the Acura RDX costs $604 less than the BMW X3, $334 less than the Volvo XC60, $326 less than the Mercedes-Benz GLC300, and $518 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.

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 further and ranks the annual rate for RDX insurance against the entire 2023 class.

As demonstrated by the data above, the Acura RDX is one of the cheaper small luxury SUVs to insure, costing $437 less per year on average as compared to similar vehicles in the small luxury SUV class, which averages $1,909 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 airbag protection result in lower and less frequent medical payments.

Frequently asked questions about RDX insurance

The $1,472 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 totaled, 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 the average annual insurance cost for a range of Acura RDX model years and driver ages.

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 2021 and 2022 Acura RDX models earned an IIHS Top Safety Pick+ designation.

In government crash tests, 2020, 2021 and 2022 models earned NHTSA five-star overall ratings. The results for the 2022 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 ($41,350 MSRP) and the upper-end Advance Package AWD ($51,350 MSRP) or the A-Spec Package AWD ($53,350 MSRP) model is around $150 a year.

Acura RDX average insurance rates by U.S. city and state

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 thirty largest metro areas in America.

Not everyone lives in a large city, and rates can be downright affordable in more rural areas of America. The table below details the 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.

The Acura RDX has a long list of standard features, a roomy cabin, a 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

• Acura RDX MSRP data at Cars.com
• Acura RDX specs at Acura.com
• Acura RDX loss trends at IIHS.org
• IIHS vehicle safety ratings